People eat grains and are sick. Faced with the medical expenses that are spent every year, many people expect to avoid them through insurance.
Insurance is a very complex financial product. Different insurances have different functions and have their own unique usage scenarios.
Today, Shenlan Jun passed the 23 adult small-scale medical insurance evaluation to see how to choose adult medical insurance? The main contents are as follows:
1. What are the options for purchasing medical insurance for adults?
2, 3 outpatient medical insurance reviews, why not recommend it?
3, 20 hospitalized medical insurance evaluation, which one is better?
1. How to choose adult medical insurance?
Medical insurance is a very complex product. Previously, Shenlan Jun had systematically analyzed medical insurance in "Understanding medical insurance in one article, mastering these 3 items, and you can easily choose them".
In summary, the common medical insurance for ordinary adults mainly considers the following two categories:
Category 1: Minimum insurance amount, low deductible
Product features: Due to the low insurance amount, these products are generally between 10,000 and 50,000 yuan. Since there is no deductible, you can be reimbursed as long as you are hospitalized.
Applicable group: claims are extremely high. If you can buy them for one year, it is just a supplement to social security, and it solves the problem of small medical risks.
The products I review today belong to this category. In addition to small medical insurance, there are currently millions of medical insurance and are also quite popular. The details are as follows:
Category 2: High insurance, high deductible
Product features: is a popular high-income medical insurance in the market, and the coverage is generally started at several million. This type of insurance has a deductible of 10,000 yuan, so most of the medical expense claims are filtered out, so the price is not expensive.
Applicable to people: is 0-4-year-old children may buy it slightly more expensive, and 30-year-old men only buy it for about 300 yuan, and it can also be purchased for the elderly.
In the previous article, we have already had too many reviews for medical insurance with a deductible of 10,000 yuan and a 6 million yuan insurance coverage, so I won’t explain it too much today.
Today we mainly evaluate the minimum living allowance and low deductible adult medical insurance. Let’s see how to choose this type of insurance and which one is better?
2. Is adult outpatient medical insurance worth buying?
Dark Blue Jun is often asked by fans, what insurance can you buy for adult outpatient clinics? Is it cost-effective? In the past, I directly answered that I didn’t recommend buying...
In fact, the reason for not recommending is very simple. Not only are this type of product selected, but the insurance amount is too low.
Shenlanjun searched the entire market and found 3 products that looked pretty good:
China Life China Life Adult Clinic Insurance Classic Edition
Taikang Online Taikang Outpatient Medical Insurance (Alipay Edition)
Taikang Online Taikang Outpatient Medical Insurance (Taobao Edition)
Without further ado, just go to the picture:
above is one of the few outpatient insurances on the market. We look at the following common disadvantages:
Low coverage: Outpatient coverage is generally 1,000-3,000 yuan, the coverage is too low. The purpose of our purchase of insurance is to transfer unbearable risks. Such a low coverage is OK even if the risk is retained by yourself. There is no need to achieve it through insurance.
single-day limit: has a single-day limit of 300-500 yuan. For example, if you seek medical treatment on the day of inappropriate health, a standard procedure may exceed the daily limit. If you exceed it, you can only get a maximum reimbursement of 300 yuan on the same day.
Reimbursement range: can only reimburse medication within the social security range, and the reimbursement ratio is not 100%, and the maximum is only about 80%.
We can clearly see that because the outpatient incidence rate is too high, insurance companies have restricted each reimbursement indicator in order to avoid losses.
continues to maintain the previous view. Shenlan Jun believes that we adults should not only pay attention to reducing expenditure, but also pay attention to opening up sources, and focus more on making money in work.
can’t save much money every year through outpatient insurance, and it may take a lot of time to pay attention to it, which is not cost-effective.
From an economic perspective, insurance is a financial arrangement that allocates large losses. The amount of money spent in outpatient clinics every year is not recommended to be achieved through insurance.
3. Which hospitalization medical insurance is better?
After reading small outpatient medical insurance, let’s take a look at adult small inpatient medical insurance.
Shenlanjun searched the entire market and found more than 20 products, the specific details are as follows:
Anxin Insurance Anxin Hospitalization Bao
Anxin Insurance Adult Hospitalization Insurance A Basic
Anxin Insurance Hospitalization Healthcare
Anxin Insurance Anxin Hospitalization Bao Standard Version With Social Security
Dadi Insurance Dadi "Jingxuan Medical" Comprehensive Accident
Ping Anxin Insurance Ping An Inpatient Insurance (with Social Security)
Ping An Property Insurance Ping An 1+1 Inpatient Medical (with Social Security)
Ping An Property Insurance Ping An Hospitalization Ten Thousand-year Insurance 2017 Classic version
Taikang Online Daily Minor Illness Medical Insurance
Tian'an Property Insurance Adult Hospitalization 10,000 yuan Care for 2018
Yi'an Insurance Yi'an Hospitalization 10,000 yuan Care for Adult Version
Yi'an Insurance Yi'an Hospitalization Worry-free Adult Insurance Preferred
Yi'an Insurance Yi'an Hospitalization Worry-free Middle-aged and Elderly Insurance Preferred
Yi'an Insurance Hospitalization Worry-free Insurance Preferred
Yi'an Insurance Hospitalization Worry-free Insurance Plan Adult Preferred
China Life Insurance Elderly Hospitalization Insurance
Zhongyi Life Insurance Le Wenxin Comprehensive Hospitalization Compensation Medical Insurance
Zhong'an Insurance 40,000 yuan Care for Personal Hospitalization Medical
Zhong'an Insurance Exclusive E Sheng'an Xin Hospitalization Medical Preferred Version
For the convenience of comparison, the picture is added with exclusive e Compare the Sheng Million Medical Insurance together:
directly to say the conclusion:
If you have bought a million medical insurance: Shenlanjun suggests that Ping An Property Insurance 1+1 hospitalized medical insurance can be considered. In the case of small expenses, it can effectively make up for the deduction of the million-dollar medical insurance 10,000 yuan.
If there is no social security: Many insurances require social security to be reimbursed first. If the social security is not local, Shenlan Jun recommends purchasing Yian hospitalization for 10,000 yuan. This product does not require social security reimbursement first, and the reimbursement ratio can also reach 100%.
4 and 4 products specific evaluation and analysis:
Let’s take a look at the evaluation and analysis of specific products and see how to choose:
1, Tianan Property Insurance Adult Hospitalization Ten Thousand-All Care 2018
This product is a product of Tianan Property Insurance, which is generally average. Let’s look at the advantages first:
has a wide reimbursement range: can reimburse social insurance range + self-paid drugs;
insured amount is slightly higher: 20,000 yuan in hospitalization;
lack of
means that the reimbursement ratio is low, and only 90% of the reimbursement after social insurance is reimbursed, and self-paid drugs can only be reimbursed 60%. If you want to buy a product with an insured amount of 20,000 yuan, then this one can be considered.
2, Ping An 1+1 Hospitalized Medical Insurance
This product is a product launched by Ping An Property Insurance. I personally think this is very suitable as a golden partner of millions of medical insurance. Why do you say so?
has a wide reimbursement range: can reimburse social insurance scope + self-paid drugs;
has a high reimbursement ratio: After social insurance reimbursement, whether it is social insurance scope or self-paid drugs, it can be reimbursed 100%
Although the insured amount is only 10,000, the reimbursement ratio of this product is very high, which can just fill the deductible of 10,000 yuan for medical insurance of millions.
can be reimbursed 100% seamlessly as long as you are hospitalized, which is very suitable as a golden partner of million-dollar medical insurance.
3, Yian Hospitalization Ten Thousand-Yi'an Adult Edition
Although this product can only be reimbursed for the scope of social security, the biggest feature is that social security does not require reimbursement first. If social security is not local, then purchasing this product is also a good choice.
And the price at the age of 30 is also very cheap, only 145 yuan, and you can afford it no matter how much you earn.
4, ZhongAn Insurance Exclusive E Sheng Anxin Hospital Medical
This product is also a product we have recommended before. The reimbursement scope is not limited to social security. Whether it is self-paid drugs inside and outside social security, or other self-paid items, it is OK.
, however, the price is not cheap either. For adults, the price is close to millions of medical insurance.Therefore, Shenlan Jun recommends that after purchasing a million-dollar medical insurance, you can consider having an extra budget.
If you do not purchase millions of medical insurance, it is not recommended to purchase this product directly. After all, we are preventing unbearable risks. Don’t just look at the deductible loss due to small losses.
has done too many reviews for Million Medical Insurance Shenlan Jun. Million Medical Insurance has greatly reduced the compensation rate of this product and greatly reduced the product price due to the 10,000 deductible. It is still very necessary to supplement social security by
million medical insurance. Shenlan Jun has also done a lot of reviews in the past, so I won’t talk about it here.
5. Written at the end:
Through today's article, you can see that insurance is actually a very complex financial product, and different types of products have their own subdivided target users.
If you still think medical insurance is complicated, then Shenlan Jun strongly recommends that you read "Understanding medical insurance in one article, mastering these 3 items, and you can easily choose". This article is written very clearly. We will also update children's small medical insurance in the future. I hope that before purchasing, we can understand the coverage and reimbursement requirements of the products we buy. Remember not to be careless.
I hope today's article will be helpful to you, and I also welcome to share it with relatives and friends in need.
It turns out that medical insurance can be very simple too :)
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