What's the significance of applying for Acer Million Care Medical Insurance?

As a hot-selling product in the market, Hongchuang Million Care Medical Insurance has attracted the attention of many consumers.

The following seniors will tell you what guarantee this product has and whether it has the strength to stand out among many medical products!

Let's be clear, friends must first understand that once you step on the pit, you will really suffer:

If someone asks you to buy these medical insurances, you can't be careless! 》

First, the contents of Hongchuang Million Care Medical Insurance are revealed!

It is really difficult to collect some information about this new product. Senior has clearly understood the relevant rules and summarized a security map:

In the view of senior sister, after analyzing the protection map, there are still a certain number of friends who don't understand the quality of this product, so let senior sister tell you. Then, follow me to see the advantages and disadvantages of this kind of insurance!

1, advantages

Guaranteed renewal for 3 years

Usually, millions of medical insurance covers a year. If the insurance cannot be renewed continuously, the insurance will be interrupted on the way, which will easily lead to the phenomenon that the insurance cannot be renewed due to changes in physical condition or claims.

However, Hongchuang Million Care Medical Insurance can renew our coverage for 3 years, so its renewal conditions are quite good; Friends who have insured this insurance don't have to worry about not having medical insurance within three years.

In this way, we are much more assured than those products that have no guarantee of renewal!

But now there are many products on the market with better update conditions. For example, Ping An has a medical insurance that guarantees renewal for 20 years. If you take a fancy to renewal, you can learn more about this insurance by reading the following:

"Ping An E Life's long-term medical insurance product portfolio was pleasantly listed. This defect needs to be considered! 》

Enjoy the insured amount and increase the rights and interests

After each coverage renewal period, the coverage of Hongchuang Million Care Medical Insurance will gradually increase according to 10% of the initial coverage of various medical insurance benefits, and at most increase to 1.5 times of the original coverage.

Assuming that the insured amount is 4 million, the insured amount can be increased by 400 thousand after a guarantee renewal period; If you continue to renew the insurance, the maximum amount of insurance can reach 6 million!

It's conscience to get higher insurance coverage without spending more money! It's a welfare for old customers. It's nice to get an extra 400 thousand each time!

However, what needs our attention is that the proton heavy ion medical expenses for malignant tumors are not included, and the annual reimbursement limit is still the same as before.

2. Deficiencies

The waiting period is somewhat suspicious.

The insured is not guaranteed during the waiting period, so the shorter the waiting time, the longer the guarantee time, and the more benefits it will bring to everyone.

There are some "tricks" in the waiting period of Hongchuang Million Care Medical Insurance, and the general medical treatment period is 30 days; If this responsibility is not selected, it is a waiting period of 90 days!

If you don't see the content of this clause clearly, you just buy compulsory liability, and there is no room for regret when you wait for danger!

Not only that, even if you can't choose, you have no right to set the waiting period to 90 days. So this condition is really not perfect.

You know, in the market, many excellent medical insurances only have a waiting period of 30 days. Compared with the waiting period of the two, Hongchuang Million Care Medical Insurance is 60 days longer! In this case, the probability of escape during the waiting period is greatly increased!

General medical insurance is not attached.

Hongchuang million care medical insurance only provides one compulsory responsibility-malignant tumor medical insurance; In other words, if you want more security, you can only enjoy more security if you spend more money on it.

Most of the similar medical insurance on the market includes general medical care, and dozens or even hundreds of serious diseases can be covered by medical care, not just malignant tumors.

Moreover, for diseases such as malignant tumors, minor illnesses such as fever and hospitalization are more common. Hongchuang million care medical insurance does not provide such basic protection at all, which is really unacceptable and very disappointing!

Lack of other value-added services

As a kind of medical insurance, Hongchuang Million Care Medical Insurance did not reflect its value-added services in the terms, which really disappointed me!

There are many excellent medical insurance products in the market, such as paying medical expenses in advance and green links, and some have created professional doctors to see a doctor.

Seeing a doctor now is also a big problem. One-stop medical service and other medical insurance are also possible. Considering the torture on the way to see a doctor, we still choose comfort!

Hongchuang Million Care Medical Insurance really lacks sincerity in this respect. In order to make yourself more attractive, it is better to learn from other people's excellent products:

Ten million medical insurance rankings have just come out! 》

Second, we must pay attention to these key points before buying millions of medical insurance!

In the market, millions of medical insurance products emerge one after another, which is hard to count. To choose a very good million medical insurance, we must learn to pay attention to these key points!

1. Basic guarantee

There are about four kinds of medical expenses that can be reimbursed by millions of medical insurance. These four categories are: hospitalization expenses, special outpatient expenses, outpatient surgery expenses, and emergency expenses before and after hospitalization. This is the basic guarantee that everyone is generally concerned about.

A perfect million-dollar medical insurance must include the above reimbursement responsibilities.

2. Conditions for renewal of insurance

The guarantee period of million medical insurance is only one year, because it is also a difficult problem in renewal.

You can focus on the medical insurance products that guarantee renewal. Now many excellent millions of medical insurance can be guaranteed to be renewed for 20 years, which is really convenient.

On the contrary, if you buy insurance products that are not guaranteed to be renewed, the product guarantee will generally be re-examined at a later stage. If your health condition changes or you have been paid, you should not be able to continue to apply for insurance.

Therefore, we should keep in mind when applying for insurance, and try to choose millions of medical insurance products with stable renewal conditions.

3. Value-added services

Generally speaking, the contents of value-added services are included in millions of medical insurance. These value-added services are very practical and can play a lot of roles when going to see a doctor for treatment.

Proton heavy ion, medical expenses advance payment and green medical channel are the best match. The more value-added services are equipped, the more benefits there will be, because the more value-added services, the more benefits consumers will enjoy.

From all angles, the protection of this product in cancer is relatively perfect, but the waiting period is relatively long, and there are no other value-added services, so it is not worth buying.

It is suggested that friends who want to buy millions of medical products can choose again, and there may be the best products.

Write it at the end

I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;

If the above content has not solved your problem, you can also come to the official account of WeChat to learn to bully and say that insurance consulting me;

I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.

WeChat official account: Xueba said that insurance costs less, buy the right insurance!