Is Alipay's good medical insurance reliable?

Brother Bao said that insurance focuses on the evaluation of insurance products! I suggest you take a closer look at this comparison table before buying medical insurance: how to use social security medical insurance? 1. Teach you how to apply for reimbursement!

Don't worry, it's unreliable and deceptive. Because all insurance companies are managed by the China Banking Regulatory Commission, they are absolutely formal and will not deceive people. They will definitely settle claims smoothly according to the contract. Moreover, it takes at least 200 million yuan to set up an insurance company (laws and regulations are clearly written), and companies that can afford so much money are absolutely reliable.

Good medical insurance is a series of products, which are sold on Alipay platform, including good medical insurance? Long-term medical care is good for medical insurance? Hospitalization and medical insurance are good? Critical illness insurance and so on. The best sellers are good medical insurance and long-term medical insurance, but many people still have some questions about this insurance.

Let's solve the problem that insurance requires a lot. If you want to know more about this product, you can take a look at my original evaluation:

First, good medical insurance? Long-term medical care is good for medical insurance? Is hospitalization the same?

Many people can't tell the difference between the two kinds of insurance. These two types of insurance are also millions of medical insurance, but the insurance companies are different, and the coverage content, coverage scope and terms are different.

Good medical insurance? Long-term medical care is underwritten by PICC China, with a total insured amount of 4 million yuan, and general illness and accident medical insurance premium of 2 million yuan, which is guaranteed to be renewed for 6 years. In terms of deductible, 0 yuan is the deductible for serious illness, and the deductible for general medical treatment is 1 000, but it can be shared within 6 years.

And good health insurance? Hospitalization is covered by Zhongan Insurance, with a total premium of 6 million yuan, and general illness and accident medical insurance premium of 3 million yuan, without renewal guarantee. Serious illness is not compensated, and the cumulative annual recovery of other diseases is 1 10,000.

It's up to you to decide which to buy. You can also buy two, which will not affect the claim.

Second, good medical insurance? Can I be reimbursed for long-term medical treatment as long as I am hospitalized?

Good medical insurance Long-term medical insurance means how much medical expenses you spend and how much medical expenses you reimburse. But this does not mean that you can be reimbursed as soon as you are hospitalized, only the part that exceeds the deductible can be reimbursed. Good medical insurance? The hospitalization fee is 10 thousand, but good medical insurance? The deductible for long-term medical treatment for 6 years can be 1 0,000.

In this respect, good medical insurance and long-term medical care are really good. Many medical insurances have rigid requirements on this point. The deductible is 10000, so it is 10000, and the difference of 1 yuan cannot be compensated. Comparatively speaking, good medical insurance and long-term medical care should be more conscientious.

Third, good medical insurance? What about long-term medical insurance? What's the difference between after the upgrade and before?

The question most frequently asked by many netizens is: What about good medical insurance and long-term medical insurance? What happened after the upgrade? Wait a minute. The following pictures illustrate whether this insurance is worth buying.

Draw a direct conclusion:

Renewal is the best thing about this insurance: within 6 years, no matter whether you are in poor health or have made claims before, you can renew your insurance without review.