Don't pay this "online celebrity insurance" again. Stop selling before May 1, and all of them will be removed from the shelves.

Birth, aging, illness and death are stages of life. In the past, the family lost everything to see a doctor. Now that the government has introduced medical insurance, many people with a sense of urgency will buy insurance for themselves and their families. However, major insurance companies seem to see business opportunities, and have launched various disease insurance. In recent years, there is a kind of insurance that is very popular. It only takes a few hundred yuan, and eventually you can get millions of compensation, which inevitably makes people feel a kind of psychology. With such a high compensation, there is no need to worry about accidents at all, and this online celebrity insurance is millions of medical insurance.

The outbreak of millions of medical insurance is inseparable from its high compensation, but there are also many shortcomings, because some products have no basis for pricing, and the insured amount looks high, but in fact it can't pay that much. There are some companies, once found that payout ratio is higher than their expectations, this kind of insurance will not make money, immediately removed from the shelves, causing great losses to the insured. There are also some insurance companies that deliberately mislead customers. It is short-term insurance, but it is long-term insurance. There is no life-saving insurance in the market now, because the CBRC has not approved it at all.

Therefore, those insurances under the banner of life-long payment are all scams. Some insurance companies will ask customers to buy other insurances, such as annuities, in order to create a phenomenon that millions of medical insurance are very popular. Now that this "online celebrity insurance" has been exposed, the state appeals to people not to pay it again. According to the requirements of China Banking Regulatory Commission, short-term health insurance products launched by insurance companies, whether approved or put on record, must be removed from the shelves before May 1, otherwise they will face severe punishment. If you bought this kind of insurance before, you should immediately go to the insurance company to ask if you can refund it or switch to other insurance.

The reason why this million-dollar medical insurance was ordered to stop selling was mainly because it violated five regulations. First, it is not allowed to mark the false compensation amount. Many insurances are under the guise of millions, but in fact they simply can't pay so much money. Some insurance institutions even shirk it for various reasons. As long as the compensation amount is less than 1 million, this name is not allowed.

The second is that there is something fishy about the terms of the guarantee renewal. Many insurances can only be guaranteed for one year after one year, and customers simply don't know that there is also "automatic renewal" in the relevant terms. According to the regulations, if the insurance includes renewal, it must be clearly informed to the customer and marked with extra. Let customers know that the insurance period is only one year, and after the expiration of one year, they need to re-insure and sign a new contract. Many customers think that they are insured for life, and the longer the payment time, the greater the insurance amount. If something really happens, it's not good for both sides.

Third, insurance companies are not allowed to stop selling insurance at will. Some insurance companies think that payout ratio is too high. In the long run, the company will definitely lose money. In order not to continue to bear the losses, they suddenly stopped insurance. The insured person has nowhere to argue, and such a thing is not allowed. Any insurance company that wants to stop insurance must make an announcement 30 days in advance to let all the insured know and give corresponding suggestions for changing insurance.

Fourth, insurance companies must clearly mark the proportion of compensation, so that the insured can clearly know how much money they can lose, rather than simply using millions of medical insurance. Fifth, when selling short-term health insurance, bundling is not allowed. This is also a trick that many insurance companies will use. Now the state clearly stipulates that the insured has the right to choose and can legally refuse the request of the insurance company.

In fact, there are many informal insurance companies in the market at present. They are very good at using word games. When they sell their products, they talk like crazy. Once the customer pays the bill, it is likely that he will turn his back on others. Now the state has taken measures to rectify the insurance market, and people who want to buy insurance and have already bought insurance should also pay attention to protecting their own interests.

At present, the longest renewal time of insurance in China's market is 20 years, so people who want to buy millions of medical insurance may wish to consider a more reliable 20-year medical insurance first. When choosing insurance, you must consider four points in advance. First, does the insurance cover products such as hospitalization green link? Second, does the insurance cover compensation for drugs bought outside the hospital for diseases such as malignant tumors, because these drugs are often expensive, and many unreliable insurances do not cover them.

Third, whether insurance can cover hospitalization expenses, outpatient surgery expenses and a series of outpatient expenses, because medical insurance has not completely covered outpatient expenses, if it can be insured, it is another guarantee for the insured. The fourth is that the insurance package does not include the treatment cost of proton heavy ions. Of course, we'd better prepare a critical illness insurance for ourselves when buying this kind of insurance. Although the probability of using it is very low, it is much more reliable than medical insurance, and our social security can't be stopped casually. After all, this is the guarantee given by the state.