Many friends will see the content of "value-added services" when buying insurance, but in fact, many people still have a little understanding of value-added services.
Some people think that whether there is value-added service or not is OK. After all, buying insurance is just for the protection of the product, and that is really important.
But is this really the case?
Today, the senior sister will talk to you about value-added services and see if value-added services are really that impractical?
The focus of this article:
1. What is the value-added service in medical insurance
2. How to buy medical insurance
3. Must-read before buying medical insurance
4. Where is the best place to buy medical insurance
4. What is the value-added service in
1. What is the value-added service in
The so-called value-added service is actually the insurance company providing services specified in the contract, and giving consumers some other "benefits" to them, thereby increasing consumers' favorability for the product. It can also be said that it is a choice that has to be made in order to further improve the competitiveness of the company's products.
The value-added services attached to different products are also different. The value-added services in medical insurance mainly include health consultation , medical treatment green channel (assisting outpatient registration/accompanying/arranging hospitalization), giving away physical examinations, telephone family doctors, overseas second diagnosis and treatment opinions, etc.
We can also know that the role of value-added services is to greatly improve the inconvenience in the medical treatment process.
Because the scope of value-added services provided by different insurance companies is also different, some friends may not be able to tell the difference and understand how to choose.
Take GreenTong service as an example. Some products cover a small number of hospitals, while some products not only have a large number of hospitals, but also have a relatively fast service speed.
However, there is no free lunch in the world. Any product will involve costs, and will eventually be converted into premiums in different forms and added to consumers. Therefore, the more value-added services, the better. Compared with the number of services, service quality is the priority. After all, not every service can be used.
2. How to buy medical insurance
Different groups of people have different needs, and the insurance suitable for configuration is also different.
As an adult, it is generally recommended to configure critical illness insurance , medical insurance, accident insurance and life insurance. The function of
medical insurance is to reimburse the expenses that cannot be reimbursed by medical insurance, which can help us get medical treatment for the disease, and sufficient medical insurance can also allow us to get better treatment and can be used to protect medical conditions.
So, let’s focus on millions of medical insurance.
Medical insurance is a reimbursement insurance, and consumers need to use documents to find an insurance company to reimburse. In other words, the insurance company reimburses the actual medical expenses of the insured, and the maximum amount is paid.
However, million-dollar medical insurance generally has a deductible amount, and the common one is 5,000 or 10,000 yuan. That is to say, if the expenses after medical insurance are reimbursed, only if the amount exceeds the deductible amount can be reimbursed by million-dollar medical insurance.
3. Must-see before buying medical insurance
Now there are more and more medical insurance products on the market, and the forms are different. In the process of choosing medical insurance, everyone must pay attention to the following aspects to avoid detours:
1. The coverage period
million medical insurance is a short-term insurance, while most million-dollar medical insurance on the market are one-year insurance, which means buying one year for one year. Therefore, renewal of insurance has become the biggest problem when we buy medical insurance, and we must also pay attention to the fact that some medical insurance products will be suspended. Therefore, when buying million-dollar medical insurance, we must pay attention to whether is guaranteed to renew .
2. Health notification
Generally speaking, the health notification of millions of medical insurance is relatively strict among the four major insurance types, so people who can apply for millions of medical insurance are generally in good physical condition. Naturally, its insurance rate is also relatively low, so the premium price is also relatively cheap.
4. Where is the best place to buy medical insurance
With the development of network technology, buying insurance can also be done just like our usual online shopping, and you can get insurance online by moving your fingers.
Nowadays, the purchase of insurance can be divided into two channels: online and offline.
online channels include insurance company's official website, mini programs, official accounts, online insurance platform , etc. offline channels include insurance company service outlets, or they can be purchased through insurance brokers, insurance agents, etc.
But insurance is different from other products after all, many friends may be uneasy to buy online, some friends may be worried about whether it will be unreliable for purchase online, and whether subsequent claims will be difficult.
But in fact, as long as this insurance platform can be checked by the China Insurance Association and has the qualifications to sell insurance, we can buy insurance there with confidence.
In addition, insurance has a different point from other common products. It is a contract. If you buy it, we will not only be protected by the Insurance Law, but also by the Contract Law , so everyone really doesn’t need to worry.
see the end, and there are still questions to chat with us privately?
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