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Many friends buy medical insurance for their parents, but they can't buy it because the elderly have high blood pressure or diabetes.
If you simply buy cancer prevention or accident insurance, you always feel that it is not enough.
Even if you buy it yourself, sometimes you will be excluded due to common chronic diseases such as thyroid or breast nodules, but you can't protect the parts you want to protect the most.
It has very lenient underwriting, and a wide range of underlying and chronic conditions can be insured, and there is a possibility that it will not be excluded.
There is no guarantee of renewal, and if there are too many claims or sales are discontinued, the policy may not be renewed.
Here are the main benefits.
01. What is guaranteed?
Although this product is a chronic disease medical insurance, it is almost no different from the first-line million-dollar medical insurance.
The number of designated quality and heavy ion hospitals has been expanded to 5, the number of out-of-hospital drugs has increased to 188, and all 3 CAR-T therapies that have been marketed in China are covered, which is the top configuration in the industry.
There are 2 plans to choose from, which are 10,000 and 20,000 yuan deductibles.
Another intimate service of the product is the hospitalization advance.
If the estimated cost of hospitalization is high, the policyholder can apply to the insurance company to pay part of the medical expenses in advance, and wait until the claim is discharged from the hospital before settling the claim, which can greatly reduce their financial burden.
The above is the main protection content of the product, let's take a look at how to insure.
02. How do I apply for insurance?
This e-life insurance (chronic disease medical treatment) can be insured online, if necessary, you can ask our official customer service for a purchase link.
Because of the loose underwriting, the price is more expensive than the regular million medical insurance.
The 10,000 deductible plan is purchased at the rate of "social security", 680 yuan for 30 years old, 1060 yuan for 40 years old, and 1900 yuan for 50 years old.
In terms of health advice, our experience is relatively relaxed.
Like high blood pressure, many products have been denied coverage for level 2, and level 2 and below are also excluded, but this product level 2 also has the opportunity to be covered as a standard body.
Breast nodules, which female friends are most concerned about, may still be covered by standard bodies if they do not exceed grade 3, which is also very friendly.
Interested friends can try smart underwriting by themselves, get satisfactory underwriting results before buying, and don't have to worry about leaving a record.
When encountering uncertainties, it is best to consult the salesman of Ping An first, and do not rush to apply for insurance.
03. Is it worth buying?
Finally, to sum up.
For friends who are not in good health or are older, Ping An's e-life insurance (chronic disease medical treatment) can be described as their gospel.
The protection function belongs to the top in the industry, and it will not cut corners at all because the insured is almost in good health.
In addition, there is also a hospital advance payment service, so you don't have to worry about medical expenses.
The price is slightly more expensive than the regular Million Dollar medical insurance, but it is also worth the money.
If your parents are not even in good health, but they want to configure a top-of-the-line medical insurance of one million, this Ping An e-health insurance (chronic disease medical care) is one of the best choices.
Well, that's all for today's product review.
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