Why not recommend buying Ping An E life insurance?

There are four reasons why ping an e life insurance is not recommended: 1. The deductible of10,000 is actually not a shortcoming of Ping An E Life Insurance. Most of the millions of medical insurance in the market are 1 000 deductible, which is also a means for insurance companies to protect themselves. Otherwise, the risk is too great and the insurance company may lose money. However, the deductible of ping an e life insurance is the accumulated amount every year, which is cleared at the end of each year and recalculated the next year. This is also an insurance product with a 6-year deductible 1 10,000 yuan, such as the good medical insurance in Alipay.

2. Conditions for renewal. Although the highlight of this product is that it can be renewed until the age of 99, the conditions for renewal are also stipulated in the terms, especially the term "this product cannot be renewed when it is discontinued". Therefore, it is very likely that Ping An E Life will still stop selling in the future, but in this respect, millions of medical insurance that guarantees renewal should also be common in the market.

3. The scope of reimbursement is limited. Although it is mentioned in the advantages that all the most advanced cancer targeted therapies can be reimbursed, there are certain requirements for the scope of targeted drugs, which must be in the catalogue of the State Food and Drug Administration to be insured. But the reality is that many drugs for cancer are not in this list. In addition, the expenses of organs in organ transplantation cannot be reimbursed, and the wards that can be reimbursed do not include personal wards and family wards.

4. underwriting is still relatively strict. Because the price of Ping An E life insurance is really cheaper and the insured amount is very high, then the insurance company will calculate the risk. If there are too many risks, there will still be serious losses. Therefore, health insurance must be strict. Common gynecological diseases such as hysteromyoma and fibroma cannot pass nuclear insurance, so it is more appropriate for healthy people to choose insurance.

The out-of-pocket proportion of Ping An E life insurance is too high. For people without social security, the 30% out-of-pocket ratio is still relatively high. Here, I would also like to remind the following about the importance of purchasing social security. If there is no social security, you can consider buying products with or without social security fees.

Disadvantages of long-term medical treatment of Ping An E life insurance: 1, long waiting period, 30 days for most medical insurance, 90 days for this medical insurance, and long waiting period.

2. The purchased drugs will not be reimbursed. Ping An E Life's long-term medical insurance does not cover drugs purchased, such as cancer-targeted drugs purchased by DTP pharmacies outside the hospital.

3. The deductible for serious illness is 6.5438+0 million. Many million medical insurance products have zero deductible for critical illness, and the deductible for critical illness medical insurance of Ping An E Life Insurance is 654.38+0 million, which is a threshold.