I is it worth buying the chronic disease version of Kangbao Million Medical Insurance? Since the chronic version of I-Kangbao Million Medical Insurance supports the insurance of chronic diseases, Dad chose some Million Medical Insurance with loose health advice for comparison:
The picture comes from Dad Bao.
Compared with the other two products in the table, I Kangbao Million Medical Insurance Chronic Disease Edition is really high in deductible and expensive. In terms of protection, it is not superior to the other two products, and its cost performance is relatively average.
Generally speaking, the purpose of setting the deductible for million medical insurance is to avoid the high premium, and the deductible of I-Kangbao million medical insurance for chronic diseases is higher than other products, and the premium is also higher than other products, which is unreasonable.
Among them, the exclusive E-Life Premium A version is a million-dollar medical insurance customized for people with thyroid nodules, and even after receiving thyroid cancer surgery, they also have the opportunity to insure.
Therefore, Dad's advice to everyone is that if you are only ordinary patients with hyperlipidemia, gout, cholecystitis and kidney calculi, you can try to insure some more excellent million medical insurance on the market.
If you can't insure, you can try other millions of medical insurance that can be intelligently underwritten. If you can't insure normally, consider I Kangbao Million Medical Insurance Chronic Edition.
Summary:
As we all know, sub-healthy people or people with chronic diseases have many restrictions when configuring insurance.
Configuring insurance is not the goal. A good body should adhere to a healthy lifestyle: exercise, physical examination, reasonable diet, and quit sedentary, staying up late, smoking and drinking.