“Million medical insurance” is entitled to e-students, and outpatient and emergency care is added. Is the new security practical?

Although the “million medical insurance” has not low deductible, the limitation of medical hospitals, the stability of insurance renewal and so on, its low premium and high insurance amount make every family have the ability to buy a health insurance. < / P > < p > Zhongan insurance company is an Internet insurance company. The three major shareholders are ant financial, Tencent and Ping An insurance. They are also known as “three horses”, namely, Ma Yun, Ma Huateng and Ma Mingzhe. Zhongan insurance has also listed its H shares in 2017. < p > < p > as the flagship medical insurance of Zhongan insurance, the e-health insurance will be upgraded once a year. In March this year, Zunxiang e-health launched the 2020 edition. This is the second major upgrade in the year, with the introduction of the outpatient and emergency version. < / P > < p > added 121 kinds of rare disease medical insurance, sharing 6 million insured amount, 0 deductible; upgrading proton heavy ion medical care as a necessary guarantee, with the insured amount reaching 6 million, becoming the highest among the million medical insurance; upgrading the cancer special drug service, if the prescription drug prescribed by the doctor is purchased from the hospital, Zhong’an insurance will provide DTP pharmacy direct payment and free distribution service. The drug range includes 83 targeted drugs and PD-1 immunotherapy drugs, and will be updated dynamically according to the National Health Commission. < / P > < p > the exclusive e-health 2020 outpatient and emergency edition still continues these guarantees, and in the deductible, it also gives a discount of 2000 yuan per year, which can be reduced to 0 yuan at least. The deductible will be restored to 10000 yuan if the compensation is paid midway. < / P > < p > there is also a special psychological pouring service. You can enjoy 25 minutes of talking service for problems such as workplace pressure, family conflicts, children’s education, marriage and love. However, in terms of optional security, the outpatient and emergency version is not as rich as the 2020 version, and the family shared deductible, severe illness hospitalization allowance, medical treatment in Japan / overseas and special medical treatment for specified diseases cannot be selected. < / P > < p > in the existing “million million medical insurance” products, basically, all of them are inpatients, outpatient surgery or special outpatient services, while ordinary outpatient and emergency services are not covered. < p > < p > Fosun and Lejian can choose additional outpatient and emergency insurance in their whole life, but for insurance companies, outpatient and emergency medical treatment has a high probability of accident and frequent claims, so the increased premium is not cheap. However, the premium of e-health 2020 is only about 10% higher than that of 2020 version. The maximum amount of reimbursement per year can reach 5000 yuan, and each expense is reimbursed by 50%, and each reimbursement is limited to 500 yuan. The number of reimbursement per month is not more than 2 times, and the maximum payment is 10 times per year. < / P > < p > in this year’s epidemic, Internet hospitals have begun to come into our view. For common diseases, Internet hospitals can save a lot of time and improve the efficiency of medical treatment. < / P > < p > Zhongan insurance obtained the license of Internet hospital in December last year. By connecting Internet insurance and Internet hospital related business, Zhongan insurance intends to realize the closed-loop medical service of “Internet insurance + medical treatment” and create a large health ecosystem. < / P > < p > Zhongan Internet hospital has hundreds of doctors from public hospitals above level 3 to provide consultation service. They can go to the hospital for 7 * 24 hours and purchase drugs online and make insurance settlement online. < / P > < p > therefore, this service provided by the e-health 2020 outpatient and emergency edition is actually connecting the Internet hospital business of our own family to achieve a win-win situation. < / P > < p > for the emergency medical expenses occurred in the emergency department of public hospitals of grade II or above, the maximum reimbursement amount can be 2000 yuan. After deducting the deductible of 100 yuan, the reimbursement rate will be 50%, with the maximum amount of 500 yuan each time, once a month and 4 times a year at most. < / P > < p > enjoy e-health 2020 edition and 2020 outpatient and emergency edition, both of which promise that “the renewal rate of an insured will not be adjusted separately due to the change of health status or historical claim settlement of an insured”, but there is a secret in this. < / P > < p > in the 2020 edition of Zunxiang e-health, which was launched in March this year, the promise of renewal of insurance was deleted from the contract terms, and the sentence just mentioned was placed in the special agreement of the insurance policy. The legal effect of the special agreement of the insurance policy is superior to the contract terms. Therefore, there will be no problem with the renewal of e-health 2020, unless the product is discontinued. However, some people are still worried that if the promise of renewal in the special agreement is removed in the future version of Zunxiang e-sheng, and there is no such sentence in the contract, will there be no guarantee for renewal? < / P > < p > whether this will happen in the future, we can’t give a 100% positive answer, just as we can’t predict whether a certain medical insurance will stop selling in the future. < / P > < p > therefore, if you have trouble with the e-health 2020 edition, you should consider that the outpatient and emergency version can not only have the basic security of the 2020 version, but also be more assured of the renewal of the insurance. < / P > < p > in the case of only increasing the premium by 10%, the e-health 2020 outpatient and emergency version has increased the online outpatient and offline outpatient services, expanded the insurable age, and the renewal commitment is more clear, which is worthy of our insurance. Continue Readinggather and watch! 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Author: zmhuaxia