Million-dollar medical insurance is a medical insurance with a coverage of up to one million yuan. However, the million here does not refer to the compensation amount, but the compensation limit, because medical insurance is a reimbursement type of insurance.
In recent years, million-dollar medical insurance has been increasingly recognized by the public, mainly because of its high cost-effectiveness. A while ago, Ping An launched a million-dollar medical insurance that guarantees renewal for 20 years – Chang Xiang An Long-term Medical Insurance.
Changxiangan million medical insurance
What are the advantages of Changxiangan long-term medical insurance? Are there any disadvantages? Next, let’s talk about it in detail!
1. What are the advantages of Changxiang’an long-term medical insurance?
1. Comprehensive protection, worry-free hospitalization
Changxiang’an’s long-term medical insurance provides comprehensive coverage, including general medical insurance, 55 specific disease medical insurance and 120 serious illness medical insurance. Optional coverage includes special outpatient medicines for malignant tumors, ICU hospitalization allowances and online consultation drug costs. Friends in need can choose as needed.
2. Purchased drugs are included in the contract and can be renewed
You can add coverage for purchased medicines, and it is guaranteed to be renewed for 20 years. This coverage is very useful and is recommended.
3. Wide coverage of insurance age
Changxiang’an long-term medical insurance has an obvious advantage, which is that it has a wide age range for insured persons, with the maximum age being 70 years old.
4. Support family members to take out insurance together
Changxiangan long-term medical insurance supports family members to jointly insure, and the discount is quite large: 95% discount for 2 people, 10% discount for 3 people, and 15% discount for 4 people or more. And they can share the 10,000 yuan deductible.
5. Guaranteed 20-year renewal
The most important criterion for judging the quality of a million-dollar medical insurance is whether it can guarantee renewal. Ping An Changxiang’an long-term medical insurance can guarantee renewal for 20 years. During the guaranteed renewal period, the renewal of the next year will not be affected by claims, poor health or discontinuation of sales.
As for the shortcomings of Changxiang’an long-term medical insurance, I haven’t found any yet. If you have any, please help me to add them! In general, I think it is currently the first-tier long-term million medical insurance. Friends in need can pay more attention to it.
