In the past two years, million-dollar medical insurance has been upgraded vigorously and has become the most popular major disease protection, which is deeply loved by everyone. For those who are new to million-dollar medical insurance, you may not know what it does, what advantages it has, and how to choose it. So today I will answer for you:
01What is the million medical insurance?
Medical insurance with a coverage of millions can reimburse the high costs of hospitalization for serious illnesses, such as medical expenses, surgery fees, and purchased medicines. It is a powerful supplement to medical insurance.
02What are the advantages of million medical insurance
The premium is very cheap, only a few hundred yuan a year, with high coverage and low premium, and super cost-effective. Reimbursement is generally not limited to the scope of medical insurance, and non-medical insurance expenses such as ICU wards, ECMO , etc. can also be reimbursed. After social insurance settlement and deduction of the deductible, the remaining expenses are 100% reimbursed.
03What are the disadvantages of million medical insurance
Generally, there is a deductible of 10,000 yuan. After the medical insurance settlement, the part above 10,000 yuan can be reimbursed, and the part below 10,000 yuan will not be reimbursed❌ . Because the million-dollar medical insurance is mainly aimed at the medical expenses of major diseases that cannot be borne.
04How to choose a million-dollar medical insurance product
① Look at the guarantee
Inpatient medical treatment, outpatient and emergency treatment before and after hospitalization, special outpatient clinics, and outpatient surgery are the standard items. If there are any items missing, they will be passed directly .
② Check the renewal conditions
It is best to choose products that guarantee renewal. Currently, the longest guaranteed renewal period is 20 years, and health abnormalities, insurance claims, and product withdrawal will not affect renewal during this period.
③Look at value-added services
Advance payment of expenses, reimbursement of purchased medicines, green channel for medical treatment, proton and heavy ion services, etc. can provide convenience in medical treatment and are very practical.
④ Check the deductible
Products that guarantee a cumulative deductible of 10,000 yuan or decrease year by year during the renewal period are more advantageous;
05 Frequently asked questions about million medical insurance
Q : Do I still need to buy million-dollar medical insurance if I have medical insurance?
Million-dollar medical insurance is a supplement to medical insurance. Medical insurance reimbursement is very limited, and many expenses cannot be reimbursed for serious illnesses, such as purchased drugs, protons and heavy ions, etc. Million-dollar medical insurance can just fill this gap.
Q : Is it better to have a higher insurance coverage?
Million-dollar medical insurance is based on actual expenses. You will be reimbursed based on the amount of medical expenses. There is no need to excessively pursue a high insurance amount.
Q : If I buy more copies, can I apply more times?
Not really. For a million-dollar medical insurance policy, you will only be reimbursed for how much you spend, and you cannot claim more even if you buy more policies.
Million-dollar medical insurance is cost-effective, but the health requirements are relatively strict. If you do not disclose the truth, it is easy to cause a claim rejection. Therefore, everyone should take the health declaration seriously when applying for insurance. If you are not sure how to fill it out, you can come to [Happy Insurance] to find me ~
