million medical insurance is the first stop for most people to come into contact with commercial medical insurance.
can leverage millions of for a premium of several hundred yuan, avoiding the risks of large medical expenses. Who doesn’t like it?
However, I am a broker who prefers mid-range medical insurance. If conditions permit, it is recommended that mid-range medical insurance start with .
If the budget is insufficient, choose the deductible amount. The premium can be discounted by about 45%, and the renewal node can be upgraded to 0 deductible without underwriting.
mid-range medical insurance can not only solve the risks of large medical expenses, but also solve the risks of medical resources. In addition, it can also provide stronger renewal stability, so that you don’t have to worry about the risk of not being able to renew insurance.
Million medical insurance In my opinion, there are two major pain points that need to be accepted:
. The stability of renewal is not good enough
If you choose a short-term medical insurance that is paid once a year, renewal requires the character of the insurance company.
Although many companies have always had good renewal policies, such as AXAN , ZhongAn, Ping An , and they will not be able to renew their insurance because of claims; but they are always uneasy;
If you choose to ensure that the long-term medical insurance renews for 20 years, then the 21st year of renewal needs to be re-informed. thinks about it and feel worried. With my physical condition, I am likely to be unable to buy medical insurance in 20 years.
. Cannot solve the risks of medical resources
Buy a million-dollar medical insurance. When the insured needs to be hospitalized, he needs to rely on his own relationship, find a scalper, spend money first and then reimburse him. The experience is not good.
plus the implementation of medical insurance volume procurement and DRG/DRP, resulting in the hospitalization experience of the general department of public hospitals becoming worse and worse.
In addition, all millions of medical insurance will have so-called value-added services such as medical expenses, critical illness green tunnels, etc., but they are all entrusted to third parties. Generally speaking, don’t have too high psychological expectations.
However, million-dollar medical insurance is still the first choice for most people.
So I have selected four models. I think in the current market environment, the most worth buying million medical care is, I hope it can help you.
They are Ansheng Excellent Xinxuan, Zhong'an Exclusive E-sheng, Taibao Blue Medical Insurance, and Ping An E-sheng Insurance:
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I am Sakuragi Huakai, an insurance broker who is worried about buying insurance for you.
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