As people's living standards improve, people's awareness of insurance is much higher than before. More and more families are buying insurance, and many families even have 10 or 20 insurance policies . This is a social progress.
But in fact, many people also have doubts: I have bought several insurance policies, which is said to be very comprehensive. But recently, another new product called hospitalization allowance insurance was released. I didn’t buy it before, so now I need to add it?
wants it! Let’s first understand the overall problem of a different insurance type.
The basic insurance insurance that everyone usually purchases include: hospitalization medical insurance, major disease insurance and accident insurance.
● Inpatient medical insurance can be used for hospitalization expenses incurred during hospitalization, such as hospitalization expenses, dietary expenses, surgical expenses, etc.
● Major disease insurance , mainly used for the treatment fees incurred when serious illness occurs.
● Accident insurance is to deal with economic losses such as death, disability and accidental medical treatment caused by accidents.
What other losses are not solved by insurance for different groups?
elderly people, years old, belongs to the high incidence of diseases and have a high probability of hospitalization. Care is also required. This will result in loss of work for adult children to take leave and care or loss of expenses for hire a nursing staff.
adults, family economic pillars, household expenses and other sources of all expenses. Once you are sick and hospitalized, your work will be interrupted, which means your income will be interrupted. This part of the loss needs to be supplemented.
or above losses, a simple summary is the loss of income caused by escort or work interruption. Does
need an insurance to compensate?
So the hospitalization allowance insurance launched by the insurance company can compensate for this loss. Junlong Life Super Mary No. 6 Hospitalization allowance insurance (long-term version) is one of the best. Let's take a look together.
1. Junlong Life Super Mary No. 6 Hospitalization allowance insurance is a long-term payment
First learn about the hospitalization allowance. It refers to the daily amount paid by the insurance company on a day during the insured's hospitalization period, which is used to compensate for the wage loss caused by taking leave.
Junlong Life Super Mary No. 6 Hospitalization allowance insurance (long-term version) is the first adult long-term hospitalization allowance insurance on the Internet. It can be kept for 20 or 30 years. The suspension of the product in the middle or the claim has occurred, will not affect the renewal and subsequent protection.
We all know that the previous hospitalization allowance insurance was covered for one year or less, and it is not guaranteed to be renewed. Insurance will be purchased this year, and after the product is suspended, it will not be renewed next year. There has been a claim this year, and I may not be able to continue buying next year. This is a very distressing thing for consumers.
Super Mary No. 6, solved this problem very well. This is a big benefit for the family's economic pillar. They have been working for more than 30 years and cannot stop halfway because they have family responsibilities and various expenses. Once you stop working due to illness and hospitalization during this period, it means a loss of income and will affect the normal life of the family.
Super Mary No. 6, can be kept for up to 30 years. During this period, as long as you are hospitalized, there is a sum of money to supplement your income loss. Make the insured more at ease in the hospital and the body will naturally recover faster.
So even if you have purchased hospitalization medical insurance, it is necessary to configure a Super Mary No. 6 long-term hospitalization allowance insurance.
Let’s take a look at the guaranteed content of Super Mary No. 6.
2. The protection content and features of Junlong Life Super Mary No. 6 hospitalization allowance insurance (long-term version)
Super Mary No. 6's protection content includes: the daily amount of general hospitalization, the daily amount of mild severe disease hospitalization, the daily amount of moderate severe disease hospitalization, the daily amount of major diseases hospitalization, and the daily amount of intensive care hospitalization.
Compared with previous hospitalization allowance insurance, Super Mary No. 6 hospitalization allowance insurance has a much richer content.
Super Mary No. 6 hospitalization allowance insurance is 100 yuan/day. Up to 200 yuan per day.What are the characteristics of
Super Mary No. 6?
1. As long as you are hospitalized and meet the terms and conditions, you can pay the hospitalization allowance according to the daily amount agreed in the contract. There is no limit on the types of diseases and no deductible days.
Previous hospitalization allowance insurance basically had a deductible number of about 3 days. If you only stay in the hospital for 3 days, you will not be able to obtain a claim.
Super Mary No. 6 does not need to be paid for as many days as you are hospitalized. This is particularly good.
2. Without claims, the coverage can be increased
. There is no claim in the first three policy years, and the increase of 25% can be increased from the fourth policy year. For example, if you buy 200 yuan a day, it will increase to 250 yuan a day.
There are no claims in the first 6 policy years, and the amount can be increased by 50% from the 7th policy year. For example, if you buy 200 yuan a day, it will increase to 300 yuan a day.
Of course, if a claim occurs, it will be restored to 100% of the original claim amount in the next year.
3. If a claim occurs, subsequent insurance premiums can also be exempted. Very humane
If the insured has a serious illness, or a moderately serious illness, a mildly serious illness, or a specific serious illness in a child, after the insurance company makes a claim, the remaining insurance insurance will be exempted from payment in the later period and the policy will continue to be valid.
4. Under different hospitalization conditions, the daily hospitalization amount can be added to the compensation
Claim Example: Mr. Li has insured 2 Junlong Life Super Mary No. 6 Hospitalization allowance insurance (long-term version), paid for 20 years, 30 years of insurance, the basic insurance amount is 200 yuan/day, and the annual premium is 986 yuan.
● In the first year of insurance, Mr. Li was hospitalized for one week due to pneumonia , and he could get hospitalization allowance claims: 200*7=1400 yuan
● In the second year of insurance, Mr. Li unfortunately suffered from lung cancer and was admitted to the intensive care unit for treatment. After reporting the case, the company reviewed it and met the claims conditions. He could get hospitalization allowance every day:
. The hospitalization allowance, critical illness hospitalization allowance and intensive care allowance are paid in this way. This is a surprise to !
Mr. Li is a serious illness hospitalization, and the hospitalization expenses can be roughly reimbursed by social security and hospitalization medical insurance. In addition to the compensation for Super Mary No. 6 Hospitalization allowance insurance, it can greatly supplement the loss of income at work, and will not affect family expenses due to work suspension, and can be treated with more peace of mind.
So for family financial pillars like Mr. Li, buying a long-term hospitalization allowance insurance is a very good choice.
For adults, you can invest up to 2 Super Mary No. 6, which is 200 yuan per day.
For serious illnesses like Mr. Li, if the compensation is superimposed, the total daily allowance is: hospitalization allowance of 200 yuan + hospitalization allowance of 400 yuan + intensive care allowance of 1,000 yuan = 1,600 yuan/day
is 8 times the daily amount of ordinary hospitalization! This is incomparable to the hospitalization allowance of previous one year.
is paid properly, and you are sure to be at ease!
Junlong Life Super Mary No. 6 Long-term hospitalization allowance insurance has a very important effect. If you take out such a subsidy insurance, the effect will be very surprising when you are hospitalized. Go and buy one.
If you want to know more, you can follow Xiaoyu Umbrella. grateful!
