It looks like a little interesting. It is called good insurance (long-term) one-off medical insurance. Although it is called medical insurance, it is different from traditional medical insurance. The biggest difference is that it is not the medical expenses reimbursement insurance, but the quota payment insurance. And its only about the level of medical expenses.
The design of one-off fixed compensation is closer to accident insurance, serious illness insurance or life insurance products.
Therefore, from the insurance point of view, some people say that it is very good to protect the product form of four dissimilarities, but this breakthrough in the conventional design, but to achieve a lot of convenience for consumers. What are the specific advantages? Compared with other products, what are the disadvantages? Insurance notes this issue to say specifically.
3-year medical insurance: 70 year old, three high people can buy
At the same time, the health notification of any medical insurance and serious illness insurance product is also the key. This content represents the underwriting requirements of insurance companies, and the insurance companies can screen out the customers who meet the underwriting conditions. For customers, health notification means what conditions may affect their insurance coverage. This part of information should also be filled in truthfully. If it is concealed or told untruthfully, it may affect the settlement of claims in the future.
In comparison with the health announcement of good health, the health care of millions of medical insurance on Alipay and Microsoft found that the insurance requirement for better insurance is that there must be social security, while the second medical treatment and insurance and fourth occupation range are not much different from other products. The key difference is whether the disease is the content of the disease.
One of the breakthroughs of haohaobao is that it has opened the door to insurance for people with three highs and thyroid nodules, no matter whether their conditions are serious or not.
Is it good or not?
On the whole, good insurance products integrate the characteristics of medical insurance and serious illness insurance, and have great innovation. Is it good or not? Xiaoji also compared it with medical insurance and critical illness insurance (though not comparable), for your reference.
Since the innovation and integration of medical insurance and serious illness insurance, great insurance has the advantages that only medical insurance or serious illness insurance can not have. There may be several points:
Although the insurance is a one-time fixed payment in the claim settlement process, it does not need to take the confirmed disease as the payment condition of insurance benefits like the serious illness insurance.
When the out of pocket expenses are less than 50000, consumers can see it by themselves.
Good insurance uses the out of pocket medical expenses within the scope of medical insurance as the standard of claim settlement, which is likely to reduce the dispute of claims. At the same time, this setting is in line with the publics cognition of high treatment costs = diseases with significant impact on users.
At the same time, great insurance adopts the mode of one-time quota payment for serious illness insurance, but it does not take the definition of disease as the payment standard and does not limit the disease types, which also makes up for the defect that the serious disease insurance can not fully guarantee all the diseases.
2. Three high can also buy, 70 years old can be insured
As the three high population can be insured, the insured age can be up to 70 years old, very good insurance for many elderly people to buy insurance.
In the past, the upper age limit of the insured agreed by medical insurance and serious illness insurance was usually 60 years old or 65 years old, and it was rare to reach 70 years old. Even if the age of the elderly meets the requirements, they may also be rejected due to the restriction of insurance products on the three high population. In addition, in the past, there were some cancer prevention insurance for the elderly in the market, which increased the age range of coverage. However, the diseases covered were only cancer. For the majority of the elderly, the limitations of the insurance were very obvious.
Therefore, to a certain extent, it solves the problem of the lack of security for the elderly with serious illness, which is also a great progress in line with regulatory guidance and social expectations.
3. The premium is affordable and remains unchanged for three years
Its very good. One idea of the insurance products is that the young people can afford it, and the old people can buy them. Affordable is reflected in the price.
At the same time, the term of the product is 3 years, that is, after insurance, the premium will remain unchanged for 3 years. If there is a claim, the policy is terminated.
4. No conflict with other insurance
5. Can enjoy the rights and interests of mutual institutional members
Since Xinmei is a mutual insurance institution, and great insurance is a 3-year insurance product, the customers who purchase good insurance will become the members of Xinmei mutual, who can enjoy the rights and interests of members and participate in the distribution of surplus of insurance institutions.
At the same time, they can also enjoy the care assistance account set up by simus for its members. If the members encounter misfortunes such as major disasters, accidents or diseases, and still face difficulties in life after the implementation of active self-help, the love assistance account will provide comfort and assistance to the members, their spouses and minor children.
Everything has two sides. Its very good. Since the product has a good side, it will also have relative deficiencies.
1. The claim threshold of 50000 is relatively high
As a medical insurance, very good insurance claims threshold is relatively high, requiring customers to pay within the medical insurance up to 50000.
In contrast, the deductibles of million medical insurance and Huimin insurance are mostly between 10000 and 20000. Of course, the deductible is good, but its not a condition of indemnity. However, this is still slightly higher, and it may not be easy for the insured to get compensation.
This means that the key point of great insurance is to share the economic impact of serious diseases on customers.
In particular, compared with the hot million medical insurance in recent years, when a client is sick and hospitalized, the disadvantage that the coverage is not high will also appear.
Of course, consumers cant expect to completely transfer the expenditure risk with one insurance product. Each insurance can relieve some pressure. Even after buying a good insurance product, if there are conditions, they still need to buy some other products.
3. Controversy: will excessive medical treatment be encouraged
There is still a bit of worry. Different from the ex post reimbursement nature of millions of medical services, the compensation condition of good insurance is that the medical expenses reach a certain level. This design is derived from the consideration of simplifying insurance products and reducing the complexity of claims settlement. However, in practice, it may encourage excessive medical treatment in disguise.
It is not difficult to understand that in order to obtain insurance benefits, customers will try their best to strive for a self payment of 50000, especially those who are already on the verge of reaching the claim line. If you have already spent 48000, 45000 or 40000 yuan, you can get at least 100000-300000 yuan of insurance benefits if you spend more than a few thousand yuan. Customers are fully motivated by this excessive medical treatment.
Of course, its very good. Insurance has just been launched. It remains to be seen whether this will happen, but insurance companies need to be prepared. The compensation condition set by Xinmei for good insurance is that the self payment amount within the medical insurance reaches 50000 yuan, which plays a certain role in controlling the cost of medical insurance. It also indicates that it has established an intelligent audit system, which can analyze the medical behavior and control the cost. But the cost control of medical insurance itself is a difficult problem, which is also a big challenge for insurance companies. Postscript: it must be noted that there is no insurance product that can and can be used. Only by understanding the relative advantages and disadvantages of a product, can we know whether it is suitable for itself and how to match with other insurance products. Xiaoji believes that, as Xinmei said to each other, great insurance products have made progress in the protection of the elderly. The post-80s and post-90s may as well consider it for their parents. In particular, the market supply of the elderly aged 65 to 70 is almost blank, and good insurance can at least provide the guarantee for the elderlys hospitalization medical expenses in the next three years. Source of this article: Zhong Qiming, editor in charge of securities companies in China_ NF5619
Of course, its very good. Insurance has just been launched. It remains to be seen whether this will happen, but insurance companies need to be prepared. The compensation condition set by Xinmei for good insurance is that the self payment amount within the medical insurance reaches 50000 yuan, which plays a certain role in controlling the cost of medical insurance. It also indicates that it has established an intelligent audit system, which can analyze the medical behavior and control the cost. But the cost control of medical insurance itself is a difficult problem, which is also a big challenge for insurance companies.
It must be noted that there is no insurance product that can and can also. Only by understanding the relative advantages and disadvantages of a product, can we know whether it is suitable for itself and how to match with other insurance products.
Xiaoji believes that, as Xinmei said to each other, great insurance products have made progress in the protection of the elderly. The post-80s and post-90s may as well consider it for their parents. In particular, the market supply of the elderly aged 65 to 70 is almost blank, and good insurance can at least provide the guarantee for the elderlys hospitalization medical expenses in the next three years.