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The longest 6-year renewal in the industry

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Time: 2018-12-04 13:46 Source: Unknown Author: Unknown Read: 983 times

One year is about to end, and many friends who work in other places will finally return home to reunite with friends and relatives. The friends who work abroad all the year round have this experience. Whenever there is a phone call at home, the person who is most afraid of hearing the phone call says that it is uncomfortable and bumps up there. Whenever this time, the feeling of palpitations really feels uncomfortable, which also requires us to reasonably configure medical insurance and commercial health insurance in advance and transfer the risk in advance.

Therefore, the "Million Medical Insurance", which "meals one meal for one million medical insurance", quickly became popular as soon as it was launched, and was favored by policyholders. In the first quarter of 2018 alone, the number of Internet health insurance orders reached 489 million, a year-on-year increase of 41.4 times.

This "hundreds of dollars a year, which can be reimbursed up to several million hospitalization expenses" insurance is generally one year, which can be used as a supplement to social insurance, reimbursement of self-funded medicines and excess medical expenses that it cannot cover.

With the increase in China's per capita income level, changes in the demographic structure and a significant increase in the importance of health, the track of commercial health insurance will have unlimited potential. In 2016, the original insurance premium income of China's insurance industry, health insurance increased by about seven year-on-year. Success, of course, the insurance giants will not miss it.

As a pioneer in China's health insurance industry and a million medical insurance market, Ping An Health APP will launch a 6-year renewal innovative product-Ping An e Life Insurance (Renewal Version) in December this year. Millions of medical insurances are innovatively combined.

In the context of insurance return protection, health insurance has become the focal point for the transformation of major insurers. Among them, one million medical insurance has become a “net red” explosive, led by Ping An Health, and companies such as Zhongan Online and Taikang Online have followed up. Internet giants such as Alipay and WeChat have also spotted this big cake, followed by the introduction of similar products, with more than 30 products on the market, and the competition has quickly entered a white-hot stage.

But as the millions of medical treatments become more and more popular, there is a growing voice on the Internet: Is the million medical insurance a pie or a trap? Its target is the risk of suspension. Almost all millions of medical products have the risk that once the products are discontinued, they cannot be renewed. This has also become the most inevitable pain point for millions of medical insurance.

Medical costs are increasing year by year, customer health is changing every year, and new technologies and new drugs have a long-term impact on medical costs. In addition to market risks and risk and other unpredictable factors, millions of medical insurance products on the market are usually one year. For short-term insurance products, if the insured's physical condition deteriorates or the product is discontinued when the insurance is renewed in the second year, it may not continue to be covered. No matter what kind of situation occurs, there is a great risk for the policyholder, and it takes time and energy to find alternative products.

In response to these situations, Ping An Health APP will officially launch the annual renewal innovation product-Ping An e Life Insurance (Renewal Version), which is renewed for 6 years, which is equivalent to paying a fee once a year, which can guarantee 6 years, and will innovatively cover long-term insurance. Combined with millions of medical treatments.

This is also the one million medical products with the longest renewal period in the market. It has taken a tangible step forward in accelerating the supply of health insurance, returning to the origin of "insurance surname insurance" and promoting product innovation.

In addition to solving the most critical issue of renewal period, the Ping An e-Life Insurance (Renewal Version) launched by Ping An Health APP also provides another guarantee: the first to exempt premiums for malignant tumors in the million medical insurance. After the waiting period, the insured is diagnosed with a malignant tumor for the first time by the hospital. If the insured person renews the insurance within the renewal period, the insurance premium for each remaining policy year during the renewal period will be waived.

Simply put, after the 30-day waiting period, if the first year is diagnosed with malignant tumors, the remaining 5 years of premiums are waived, and the insurance contract will continue to be valid for the next 5 years, which will continue until the end of the 6-year renewal period, which can reduce a lot of burden.

In addition, if a malignant tumor is diagnosed after the waiting period, a lump sum of 10,000 yuan can be obtained. This malignant tumor allowance is payable only once. It is separate from the general medical insurance and malignant tumor medical insurance and is not included in the deductible. It is a benefit.

As an industry-leading professional health insurance company, Ping An Health Insurance has been actively embracing advanced technology, using mobile Internet, big data and other technologies, and working hard to improve the level of insurance claims services. The Ping An Health App was launched on Ping An Health Insurance (Renewal), which directly attacked the pain points of the industry and further consolidated the service experience and differentiated competitive advantages. This year, Ping An Health will continue to plow into the millions of medical insurance market to protect customers' health.

(Responsible editor: admin)

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