Before we start the analysis, we can be familiar with the millions of medical insurance currently on the market:
"Super complete! Domestic popular millions of medical insurance comparison table "
1. How to buy millions of medical insurance?
When you buy millions of medical insurance, you can choose according to the following five characteristics:
1. Full coverage
Millions of medical insurance has no restrictions on social security drugs, and 100% reimbursement is no problem.
Good million medical insurance, needless to say, the more protection, the better.
So how do you see whether the regular coverage of millions of medical insurance is comprehensive? You can look at the following table:
2. Relaxation of renewal conditions
Millions of medical insurance usually has a claim threshold of 654.38+0 million, which is not a minor illness when used.
I'm afraid I won't be allowed to renew my insurance the next year after I settle my claim. At this time, my physical condition can no longer support me to buy another million medical insurance. At this time, I am in a dilemma.
It is very important that the relaxed renewal conditions of millions of medical insurance give everyone a greater chance to get protection.
3. Reimbursement for drug purchase
The so-called outsourcing drugs refer to drugs that most hospitals cannot buy and must buy outside the hospital, mostly targeted drugs.
Targeted drugs are expensive, assuming that millions of medical insurance can play the role of reimbursement for the purchase of targeted drugs, and even prepare a channel for consumers to start, it can be said that people are saved in hot water.
4. Proton heavy ion therapy
From the current point of view, proton heavy ion therapy has the best treatment effect on cancer, does not support social security reimbursement, and needs almost one million yuan at its own expense to complete the whole course of treatment, which ordinary families cannot afford.
Therefore, it is still very useful for the insured to incorporate this service into the million-dollar medical insurance.
5. Value-added services are better
The value-added service of millions of medical insurance plays a decisive role in the medical experience. Of course, the better, the more certain it will be.
Millions of medical insurance will buy green medical channel service. When encountering difficulties in this respect, authoritative hospitals and expert insurance companies will come forward, and even the arrangement of wards and operations will easily solve a series of possible problems such as difficulty in seeing a doctor and long waiting time.
The value-added service of secondary diagnosis and treatment is also very practical. On the basis of the patient's serious condition and the first diagnosis, the patient was given a second professional diagnosis through other professional channels. Third, get the diagnosis report and treatment suggestions to provide patients with a better treatment plan.
Of course, the value-added services of millions of medical insurance are not limited to these. If you want to know more about value-added services, you might as well add what experts say:
What is the "value-added service" in medical insurance? The more value-added services the better? Small sample, too naive ... "
Second, what details should I pay attention to when buying millions of medical insurance?
After reading the above, I think everyone knows how to choose a good million medical department, but when choosing products, Senior Sister reminds everyone here.
1. People with medical insurance also need millions of medical insurance.
After all, the proportion of medical insurance coverage is relatively low, and the scope of reimbursement only covers the contents of the social security catalogue. If it is really a serious illness, it still needs to be supplemented by commercial medical insurance.
2. Generally don't repeat the purchase.
Millions of medical insurance is not recommended to be purchased repeatedly. Generally, one copy is enough. If you buy too much, you can't reimburse it repeatedly.
3. Pay attention to health notification.
Health information covered by millions of medical insurance is stricter than other types of insurance, but it is cheap and effective. Many people may hide the existence of luck in health information to insure themselves.
Senior, I have to remind you here that you must not do this. Otherwise, the premium will not be paid in vain, and it may be insured but refused by the insurance company. Therefore, insurance must be strictly controlled, even if you choose to increase the cost or exclude underwriting, don't take advantage.
What were the millions of medical insurance on the market at that time that deserved our priority? Senior sister has collected a batch of millions of medical insurance products worth buying for your reference:
Ten million medical insurance rankings are freshly released! 》
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