write million medical insurance each time.
There are always friends in the background asking: Is there any 0 deductible for
? Those with a deductible of 10,000 yuan feel it is difficult to get compensation.
buy one with a deductible, and it has its own benefits.
is cheap.
has a year of 6 million yuan insured, and a 30-year-old adult can buy it for more than 300 yuan.
means that after the medical insurance is reimbursed, the self-payment exceeds 10,000 yuan, so that the insurance company can only be reimbursed. This is very unpleasant.
Give me a chestnut.
Xiao Ming spent 30,000 yuan on appendicitis surgery, and 10,000 yuan was reimbursed by medical insurance, and Xiao Ming had to ask for his own pocket 20,000 yuan.
If the medical insurance he bought has a deductible of 10,000 yuan, the insurance company will only have to compensate him with 10,000 yuan. It is equivalent to Xiao Ming's final expense of 10,000 yuan.
insurance premium is only more than 300 yuan. I stayed in the hospital once and reported more than 10,000 yuan.
is very content.
, it is inevitable that some people will think: How great would the insurance company pay me a 10,000 yuan at its own expense?
two methods.
Method 1: buy another small medical insurance, with an optional insurance amount of 10,000 yuan, and no social insurance reimbursement is restricted, which is just blocked the gap of 10,000 yuan in compensation for the self-payment of 10,000 yuan or less for the million-dollar medical insurance. I introduced it when writing about small medical insurance.
Method 2: Buy 0 deductible million-dollar medical insurance. Compared with Method 1, claims are only completed in one company, which is more convenient. Moreover, in Method 1 and Method 2, the total premium paid is close.
01
two 0 deductible million medical insurance
▿
can’t stand everyone’s enthusiasm, so I chose two 0 deductible million medical insurance to chat with you.
A one called Lexiang e-sheng, who is the same as Zunxiang e-sheng, comes from Zhongan Insurance and was just listed last week.
A one called Tairan Wuyou, comes from Huatai Insurance, and its Nuanbao Insurance Clinic Insurance is very popular. The comparison chart of
product is as follows. In order to let everyone feel the price, I also put the exclusive e-sheng 2019 version in:
can be seen, 0 deductible, compared with 10,000 deductible, is 1-2 times more expensive on average.
looks like 30 years old, buy the exclusive e-life 2019 version, only 306 yuan.
But if you choose to enjoy E-Life, it will be 621 yuan/year; if you choose a cheaper one, it will be 560 yuan/year.
If the elderly or children buy it, it will be more expensive because the elderly and children are not as immunity and resistance as adults, with more minor illnesses and minor pains, and the risk of hospitalization is high, and it will be even more expensive.
For example:
0 years old, buying Lexiang e-life is 1617; buying Tairan Wuyou costs 2002 yuan.
50 years old, and it is 1811 yuan for Lexiang e-life; it is 1625 yuan for Tairan Wuyou.
is more than twice as expensive as Exclusive E-Shenzhen 2019.
But some friends don’t settle the score like this.
A user said to me:
is a bit expensive.
But I was hospitalized once and I paid for it all.
hospitalization cannot only cost 1 or 2,000 yuan.
can finally "earn" back.
Since the price is not careful, let’s take a look at the protection.
02
protection is not weak
▿
Like ordinary million medical insurance, enjoys e-life and is safe and worry-free, and has a very complete responsibility.
General diseases and accidental hospitalization: Lexiang e-study annual insurance amount is 1 million.
is more peaceful and worry-free, has 3 million; if is cancer, then double it, and it can cost 6 million.
, and 0 is deductible, the amount you spend will be reimbursed (after reimbursement by medical insurance).
Whether it is hospitalization, outpatient surgery, outpatient emergency clinics 7 or after 30 days before and after hospitalization, or special outpatient clinics, you can report it.
does not restrict the scope of social security.
As long as it is within the scope of the contract, domestic drugs, imported drugs, and imported devices can all be reimbursed.
Enjoy e-life, be calm and worry-free, and have bonus points - you can get money when you are hospitalized.
For example, Lexiang E-Life, it has a hospitalization allowance for critical illness, up to 300 yuan per day, and can be reimbursed for up to 30 days. This exclusive e-Life 2019 version does not have it.
and worry-free. There is an accidental hospitalization allowance, 100 yuan per day, a maximum reimbursement of 90 days per hospitalization, and a maximum reimbursement of 180 days throughout the year. There is no such thing as exclusive e-life 2019.Which subsidy is better for
?
Dabai's opinion is:
Adults can consider critical illness medical --- staying in the hospital for one day will reduce the salary by one day. If you stay for a longer time, the salary you will lose will not be less in the end. It is naturally best to be compensated with insurance.
If it is a child or an elderly person - the child has poor self-protection ability and is lively and active; the elderly have a greater reaction and sensitivity than before. The risk of accidents in is higher, so the probability of using the calm and worry-free accident allowance is greater.
03
two 0 deductible million medical insurance, which one is better?
▿
After talking about the common part, take a closer look at enjoying e-life and being calm and worry-free.
actually has its own advantages.
Tairan Wuyou's total insurance amount is higher - 6 million. The overall price of
is also a bit cheaper.
is especially friendly to the elderly.
is about 1-200 yuan cheaper than Lexiang e-sheng.
and enjoy e-life. A 0-year-old child buys it for only 1,617 yuan.
is more than 300 cheaper than Tairan Wuyou.
is also more useful in value-added services.
In addition to the regular hospitalization deposit advance payment, critical illness green pass (help you contact the doctor, register, arrange hospitalization, etc.).
also provides free:
1, postoperative home care
After the patient is discharged from the hospital, he feels tired and does not want to go to the hospital for injections, dressings, infusions, gastric tubes, and atomization...
Then you can apply to Zhong'an by phone to let the nurses come to the door for services.
is generally hospitalized, and can be used twice a year; hospitalized for major diseases can be used 6 times a year.
is quite considerate.
2, tumor special drug
If the user is diagnosed with cancer, Zhongan will arrange for experts to see a doctor.
and also provide free drug gene testing services, to determine which targeted drug to take, and the treatment effect will be better.
If you can't buy the corresponding targeted drug in a hospital pharmacy, you can go to the pharmacy you cooperate with Zhongan to buy it without paying. The insurance company will directly help you pay and can also arrange delivery.
hospitalization, service is quite important, especially in China, a country with extremely tight medical resources.
Therefore, if you have requirements for medical experience, it is recommended to choose E-Life.
or Exclusive E-Life 201 version, there are all available in Happy E-Life, and additional legal aid is provided; extra money can also go to special needs or overseas medical treatment.
04
renewal friendly
▿
Finally, let’s take a look at the health notifications and renewal issues that everyone cares about.
is not deductible, and the threshold is lower.
enjoy e-life, worry-free, and underwriting will be more stringent than ordinary million medical insurance.
For example, Lexiang eSheng has an abnormal examination within 2 years, while Zunxiang eSheng eSheng 2019 version only asks within 1 year.
Lexiangesheng also asked about BMI, no more than 29.
and whether the pre-tax income exceeds 120,000 yuan within two years (insured page); whether to smoke.
, these exclusive e-life 2019 versions did not ask.
However, for specific diseases, I like to enjoy e-life is more relaxed, not as detailed as the 2019 edition of Exclusive e-life.
Of course, looks at the overall situation, and it is more strict to enjoy e-life.
Lexiangesheng does not support underwriting, which means that you cannot pass the health notification and cannot buy it.
On the contrary, the exclusive e-sheng 2019 version can be underwritten online, which is very convenient. You will know whether you can buy it in 1 or 2 minutes, whether it is a standard purchase or an exclusion responsibility.
Dabai went to see Tairan Wuyou's health notification again, which is basically the same as the 2019 version of Supreme E-Life, and there is no pleasure in enjoying E-Life.
is also not underwritten.
There is nothing to blame for.
Insurance companies are commercial institutions and also need to make money, which is just normal risk control. In terms of renewal insurance, Lexiang e-life and Tairanwuyou are both very friendly.
won't get worse because of your health.
or claim has been filed.
will not be renewed for you.
What if it stops selling?
terms promised in black and white, and other products can be renewed.
For example, if Lexiang e-life is suspended, you can choose to renew the insurance premium e-life or Zhong'an other million medical insurance.
is quite reassuring.
05
Some precautions
▿
Of course, love e-study is not without shortcomings.
1, the total insurance amount is low,
is only 1 million. Although can solve most diseases or accidents in hospital spending. But for some extreme serious diseases, it may not be enough.
For example, this news about the fire at the beginning of the year:
67-year-old Mr. Liu was diagnosed with acute myocardial infarction and severe blockage of the right coronary artery. He was hospitalized for 75 days before and after, spending more than 1.7 million in total.
2. The waiting period and critical illness medical quota are not fixed
will be affected by the city, income, whether to smoke, etc.
Dabai tested it. If you choose "Yes" for annual income of 120,000, and choose "Yes" for smoking, then the waiting period is 60 days, and the hospitalization allowance is 300 yuan/day;
If you choose "Yes" for annual income of 120,000, and choose "No" for smoking, the hospitalization allowance is still 300 yuan/day, but the waiting period becomes 30 days;
choose "Yes" for annual income and smoking, then the hospitalization allowance is 200 yuan/day, and the waiting period is 90 days.
in three situations, the premium remains unchanged.
But the waiting period is up to 90 days, and medical insurance is only 1 year insured, which means that the actual coverage time is shortened.
3. Reimbursement is unfriendly to those without social insurance
If you buy Lexiang e-life, you have social insurance and are reimbursed by medical insurance when you are hospitalized, the remaining part after medical insurance is reimbursed will be reimbursed by the insurance company at 100%.
On the contrary, if it is not reimbursed by medical insurance, the only quotes 50% ; while the ordinary million-dollar medical insurance can quote 60%.
If you buy Lexiang E-Life, there is no social security, and can only be 65% at the highest. As for ordinary million-dollar medical insurance, the premium will be twice as expensive as those with social insurance. So when the hospitalization is reimbursed, the insurance company will still reimburse 100%. This is the case with the exclusive e-life 2019 edition. Compared with
, Lexiang e-shen is not friendly to friends who do not have social security.
minds the above three points. Dabai suggests to buy a million-dollar medical insurance, which is not that much.
06
Big White Summary
▿
0 Deductible million-dollar medical insurance is still quite a lot.
, but the price is moderate and the continued friendly are not much.
, if the renewal needs to be reviewed, Dabai passed it directly - Dabai recently had a customer who bought x Kang family's medical insurance. Later, he found out that there was a tumor in his stomach. When he wanted to renew the insurance, he was refused.
In addition, 0 deductible means that the claim threshold is low.
If the insurance company does not have the risk control in place.
may lose.
is also precisely for this reason that in many cases, Lexiang e-study is not as generous and comprehensive as the exclusive e-study 2019 version with a deductible of 10,000 yuan.
For example, the insured amount is only 1 million yuan; the price is twice as expensive; the waiting period is up to 90 days; it is not friendly to reimbursement without social security; it does not support nuclear intelligent underwriting, etc. Whether to buy
is up to you.
Friends who have a little abnormality in their health, then listen to Dabai’s advice and considers ordinary million-dollar medical insurance.
Exclusive e-life, Ping An e-life insurance, Good Medical Insurance long-term medical care, and WeDoctoral Insurance long-term medical care are all good, and all support smart underwriting.
reply to the corresponding product name in the backend of the official account, such as: Exclusive, you can read the previous review article.
Ps:
ZhongAn recently released a million-dollar medical insurance.
is called Exclusive e-sheng·Youjia version .
is said to be specially customized for thyroid nodules people.
has two biggest highlights:
1. Thyroid nodules of grade 1-3, which can be purchased for standard physical health. Most of the million-dollar medical insurances are exclusive of grade 1-3 thyroid nodules;
2. If the follow-up examination is normal after half a year after thyroid surgery, you can prepare information and apply for manual underwriting from Zhongan. If you pass the underwriting, you can buy it - and generally speaking, if you have thyroid cancer, you will basically be out of medical insurance.
If you are unfortunately caught in the attack, you can't buy other medical insurance.
might as well consider this one.
is currently the most friendly product for thyroid nodules.
reminds that the UA version does not support underwriting. If there are thyroid nodules, there are other health problems.
, you can't buy the UA version either.
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