China Life Super Social Security Kangyue

First, this product needs a physical examination and is underwritten over 45 years old. Second, China Life needs to be bound. This is all normal. Third, the deductible is 10000 yuan, but the instructions say so, and 10000 yuan is deducted from the self-funded expenses and social security reimbursement. In other words, it is very likely that you spent 20 thousand cents to report it. The fourth guarantee is renewal. The customer service explained that China Life's reply to the renewal of Kangyue Medical Insurance is: Kangyue Medical Insurance can be directly renewed without claims in the policy year; If there are claims in the policy year, no matter how many years the insurance is renewed, it is underwritten twice. So this product is not guaranteed to be renewed.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.