Is Alipay's good medical insurance and long-term medical care really 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!

Good medical insurance Long-term medical insurance is underwritten by PICC Health Insurance Company. 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, the establishment of an insurance company requires at least 200 million yuan (laws and regulations are clearly written), and reliable and credible insurance companies are tested with countless real money and silver. If you want to buy good medical insurance, I can give you a brief introduction.

Good medical insurance is a kind of health insurance based on protection sold on Alipay, and it is a series of products, 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. Among them, good medical insurance and long-term medical insurance are the best sellers, but there are still many people who don't know much about this product.

Let's solve the problem that insurance requires a lot. Detailed product evaluation analysis can be found in the original text:

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

These two kinds of insurance are often mistaken. These two kinds of insurance are also millions of medical insurance, but they are underwritten by different companies, with different coverage contents, terms and amounts.

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, serious illness is zero deductible, and other diseases are 654.38+0 million deductible, which can be accumulated for 6 years.

And good health insurance? Hospitalization is underwritten by Zhongan Insurance, with a total premium of 6 million yuan and general illness and accident medical insurance premium of 3 million yuan. There is no guarantee to renew the warranty. I will have to re-check it next year. In terms of deductible, the deductible for serious illness is zero, and the deductible for other diseases is 1 10,000.

As for which to buy, it depends on your personal needs. If you want to buy two models, you can do both, without conflict.

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 belongs to reimbursement insurance. But it can't be reimbursed as soon as you are hospitalized. What you reimburse is the part that exceeds the deductible. 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.

This is very important. Many medical insurances have rigid requirements on this point, stipulating that the deductible is 1 000, which means that the difference between 1 and 1 yuan cannot be compensated. Comparatively speaking, long-term medical care with good medical insurance will be much more friendly, and customers can provide the probability of claims.

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

After the upgrade of good medical insurance and long-term medical insurance, many people began to ask about medical insurance and long-term medical insurance again. Let's talk about the upgraded long-term medical care by comparing the old version. Is it worth buying?

Draw a direct conclusion:

The best thing about this insurance is that it can be renewed within 6 years, and it can be renewed after previous claims have been made or the health condition has deteriorated, and there is no need for re-examination.