Hello everyone, every day many fans and friends take out medical insurance, and accident insurance on the official account.
is here to say thank you to everyone for your trust!
In the future, if you buy these insurance policies , if you have any questions, come to Brother Jing at any time, and I will help you deal with it. My team of actuaries and I will always be there~
Because this type of product is relatively simple, many friends do not consult Just purchased it directly, so some important issues may be overlooked.
Although I usually mention it in my articles, I am afraid that some friends are still unclear. Today I will write a small article to emphasize these two issues.
1. When taking out insurance, pay attention to hospitals that are exempt from medical liability.
This question is mainly aimed at accident insurance.
Accident insurance generally has accidental medical liability. The products recommended by Jingge now, such as Little Bee No. 2 and Big Armor No. 3 , have zero deductible for accidental medical liability and can be reimbursed both inside and outside social security.
Accident liability actually only requires the doctor to issue a certificate to the patient, and then the insurance company can settle the claim. The moral hazard of manual operation is relatively high.
Therefore, the medical liability of accident insurance is generally exempted from hospitals in certain areas. These areas are areas where insurance companies believe that the risk of insurance fraud has been higher in the past. The areas set by different products are different.
For example, Little Bee No. 2 's accidental medical exemption areas are as follows:
If it involves areas where you may receive medical treatment in the future, it is recommended that you purchase insurance carefully.
The exemption area can generally be found in the "Insurance Instructions" of the product. You must read it before purchasing insurance.
2. Occupational changes will affect subsequent claims
This will affect accident insurance and medical insurance products.
The occupation change mentioned here refers to the subsequent occupation change to a high-risk occupation outside the scope of product coverage.
Different occupations face different risks, and both accident insurance and medical insurance can cover medical accidents caused by accidents. Once the occupation changes to a high-risk occupation, the risk is higher, and the premium should be higher or the insurance should be refused directly.
If the occupational risk becomes high and the insurance company is not notified and the insurance is still being renewed and a subsequent claim is made, the insurance company can refuse the claim.
For example, in the terms and conditions of Little Bee No. 2, it says this about career changes.
The million-dollar medical insurance we usually know also has the above problems. For example, the exclusive e-sheng series medical insurance says this about career changes. Description: The above two minor issues may be ignored by most friends. If you buy insurance in the future, I hope you can pay more attention to them. That’s all for today. I hope it will be helpful to everyone when buying insurance. [Written at the end] If the above content is helpful to everyone, remember to give Brother Jing a like. If my analysis still cannot help you systematically sort out how to configure insurance, you can send me a private message, and Brother Jing will give you a reply as soon as possible after seeing it.
