With [exclusive e-health] [Allianz], the small umbrella hospitalization million yuan medical insurance is launched

Small umbrellas are hospitalized for medical care for tens of thousands of yuan, which is no longer cheap.

This is a cheap medical insurance that I have no intention to find. The insurance content is true. China Life (Guo zitou) has cooperated with a third-party umbrella brokerage platform. A one-year 10 thousand yuan medical insurance, with a premium of 105 yuan, is simply not cost-effective. In fact, it is a "free insurance ".

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1. Introduction to small umbrellas
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Ii. Detailed explanation of Yuan of medical insurance for small umbrellas
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1. hospitalization insurance (insurance amount: 10 thousand yuan, 0 deductible ). 90% reimbursement of reasonable expenses (within the scope of social insurance) and 60% reimbursement of Self-charged medicines during hospitalization due to accidental injury or hospitalization due to illness 30 days after the waiting period;
Note:
Self-charged medicines refer to medicines not included in the national and local basic medical drug lists, but do not include medical treatment items. Such as gamma knife, MRI and other medical treatment projects if not within the scope of social security, this product is not covered; during hospitalization, targeted drugs for cancer treatment and other reasonable self-charged drugs belong to the scope of protection of this product.
2. Medical treatment hospitals: public Level 2 or above;
3. waiting period: 30 days for disease waiting period (unexpected non-waiting period );
4. Warranty Extension: If the warranty age and other requirements of this product are met, the warranty extension can be made. (It is not certain whether the sales of cabbage-priced medical insurance will be suspended in the next year );
5. Warranty age: 18 to 50 years old;
6. Insurance occupation: one to three types of work can be invested;
7. Warranty Period: 1 year;
8. An electronic insurance policy is sent to the personal email address of the policyholder after successful warranty;

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Iii. Health notification
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Except for the following, other persons are considered to be healthy: (the project is still very loose)
Has or is suffering from tumors (including malignant tumors, brain tumors, and polyps not yet diagnosed as benign or malignant, cysts, nodules and duplicates) heart disease, coronary heart disease (including angina, myocardial infarction, etc.), leukemia, hypertension (blood pressure higher than 160/95 mmHg), cirrhosis, chronic obstructive pulmonary disease, bronchial asthma, cerebrovascular disease, chronic kidney disease, diabetes, anemia, congenital or genetic disease, mental illness, Neurology (including epilepsy) specific infectious diseases, sexually transmitted diseases, AIDS, and physical disability (including deaf, blind, paralyzed, and grade III burns ).

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Iv. Warranty
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1, product link: http://www.xiaoyusan.com/insurance/detail? Id = 105398 & CHN = cps_87087773
2. Warranty QR code. Fill in the Health notification and personal identity information:
 

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V. Warranty Verification
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Http://www.xiaoyusan.com/static/html/intro.html? Page = yanzhen

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6. About claims
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Http://www.xiaoyusan.com/static/html/intro.html? Page = Pei

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VII. Special Instructions
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1. The content on the product introduction page, such as "no compensation", "age range", and "reimbursement ratio", is inconsistent with the insurance terms. The special insurance policy will be clearly stated and can be viewed in the electronic insurance policy after being insured. According to the provisions of the Insurance Law, the higher the limit does not affect liability and claims.
2. Warranty Period: 1 year
3. Age range: people aged 18-50 who are healthy, can live normally, and work.
4. Requirements for professional types of work: the types of work except grade 1-3 in the occupational classification table cannot be insured.
5. This product uses electronic insurance policies, which have the same legal effect as paper warranty policies.
6. This product is underwritten by China Life Insurance Co., Ltd, currently, the company is located in Beijing, Shanghai, Tianjin, Chongqing, Hebei, Shaanxi, Inner Mongolia, Shanxi, Liaoning, Jilin, Heilongjiang, Jiangsu, Anhui, Zhejiang, Fujian, Jiangxi, Shandong, Hubei, hunan, Henan, Guangdong, Guangxi, Hainan, Sichuan, Yunnan, Guizhou, Gansu, Qinghai, Ningxia, Tibet, Xinjiang, Dalian, Qingdao, Ningbo, Xiamen, and Shenzhen have branches. This product is sold nationwide.
7. Health notification: All persons except the following shall be deemed to be healthy:
Has or is suffering from tumors (including malignant tumors, brain tumors, and polyps not yet diagnosed as benign or malignant, cysts, nodules and duplicates) heart disease, coronary heart disease (including angina, myocardial infarction, etc.), leukemia, hypertension (blood pressure higher than 160/95 mmHg), cirrhosis, chronic obstructive pulmonary disease, bronchial asthma, cerebrovascular disease, chronic kidney disease, diabetes, anemia, congenital or genetic disease, mental illness, Neurology (including epilepsy) specific infectious diseases, sexually transmitted diseases, AIDS, and physical disability (including deaf, blind, paralyzed, and grade III burns ).
8. Limited number of insurance parts: each insured person of this product is limited to one copy, and multiple investment is invalid. The insurance company is not liable for multiple investment.
9. The self-paid drug compensation rate is 60%, which is limited to the self-paid drug fees outside the reasonable social insurance required for treatment, excluding other self-paid inspection and medical treatment project fees
10. The proportion of medical expenses paid by Social Security is 90%.
11. 30 days of waiting for hospitalization (including accidents and diseases) and no waiting for accidents
12. According to the China Insurance Regulatory Commission's solvency regulation No. 13th: disclosure of solvency information, the information currently disclosed is as follows: as of the second quarter of 2016, the comprehensive solvency adequacy ratio of China Life Insurance Limited by share Ltd was 329.09%, and the core solvency adequacy ratio was 298.32%, in line with the requirements of the Insurance Regulatory Commission, the comprehensive risk rating result is a type of companies. You can also log on to China Life Insurance Limited by share Ltd official website (www.e-chinalife.com) Public Information Disclosure column to query more solvency related information


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VIII. Contract Terms
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Http://www.xiaoyusan.com/insurance/terms? Id = 103700

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9. Is it worth buying?
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There were several 700-degree rescue cards in use before (the card type includes hospitalization responsibilities of 10 thousand yuan, with a nominal value of 200 yuan), there were people outside the mountains, directly come out with a "small umbrella hospitalized for ten thousand yuan" and can reimburse 60% of Self-charged medicines. This is the result of competition, and the benefit is still the consumer; in addition, this item can be directly connected to Ping An E-life insurance or zhongan e-life middle-End Medical Insurance (directly reimburse the 10 thousand yuan free self-paid expenses, and strive to reduce the self-paid fees of the policyholders, killing two birds with one stone ).

It is worth buying and is recommended.
If you have purchased an exclusive e-student, you must purchase an umbrella for ten thousand yuan.

Insurance method:
1, product link: http://www.xiaoyusan.com/insurance/detail? Id = 105398 & CHN = cps_87087773
2. Warranty QR code. Fill in the Health notification and personal identity information:
 

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10. FAQs
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Q What is the difference between this product and major illness medical care?
The A major illness medical product is specially tailored for the major illness treatment, and the costs for the treatment of major illness are relatively high, so there are 10 thousand free of compensation; this product can be perfectly connected with 10 thousand free of compensation for major illness products, solve the 10 thousand deductible problem.

Q can all diseases that occur during the warranty period be reimbursed?
A The medical expenses incurred by the insured due to the unhealed illness before the contract takes effect and the waiting period are not covered by the guarantee. After the waiting period, the patient's hospitalization expenses can be reimbursed. Unexpected hospitalization is not subject to waiting periods.

Q what diseases are specific infectious diseases mentioned in health notification?
A specific infectious disease refers to the following: plague, cholera, viral hepatitis, dysentery, AIDS, syphilis, epidemic hemorrhagic fever, rabies, wannacry, fever, malaria, dengue fever, human infection with highly pathogenic avian influenza, Infectious Atypical Pneumonia, influenza A (H1N1), MERs and ebola hemorrhagic fever

Q What is the conflict between Insurance and Social Security? Repeated?
A. For people with social security, if they are hospitalized, social security is generally reimbursed between 30% and 70%. For the self-paid portion of the remaining proportion, they can apply for reimbursement through this product. At the same time, this product can also bear a 60% proportion of Self-charged drugs that do not burden social security.

Q What are the hospital grade requirements for this product?
A. Medical treatment is required in public second-level and second-level hospitals.

Q what diseases can be reimbursed? Is it possible for a malignant tumor?
A general hospitalization caused by cold, fever, pneumonia, and other diseases is guaranteed, and major diseases such as cancer are also included. At the same time, we are charged 60% for self-charged medicines that may occur for major diseases.

Q is there a waiting period for this product?
If a is hospitalized for illness, there will be a 30-day waiting period, and no waiting period will occur unexpectedly.

Q What is the responsibility for hospitalization and medical protection in this product?
A. The hospitalization medical expenses caused by accidental injury and illness are reimbursed for 90% of the medical expenses within the scope of social insurance and 60% for self-charged medicines.

Q is this product self-charged? What does self-charged medicine mean?
A This product guarantees self-charged medicines. Self-charged medicines refer to medicines out of the national and local basic medical drug lists, but do not include medical treatment items. Such as gamma knife, MRI and other medical treatment projects if not within the scope of social security, this product is not covered; during hospitalization, targeted drugs for cancer treatment and other reasonable self-charged drugs belong to the protection scope of this product

Q Can I renew my subscription?
A: Hello, You can renew the warranty in accordance with the age range and other warranty requirements of this product.

With [exclusive e-health] [Allianz], the small umbrella hospitalization million yuan medical insurance is launched