How about Ping An Mengwa Card Insurance?Let parents read a few ways to identify products

Many parents are aware of school level insurance. After all, it is basically covered every year when the school starts, and every child must buy it. In addition to school level insurance, card-type insurance is also commonly positioned in children. It is a similar type of school level insurance.Such products are not just a piece of paper, but a card, but how to distinguish a card-type insurance? There are several methods.Whether the reimbursement ratio is effective, etc. In order to let everyone better understand how Ping An Mengwa card insurance is, interested parents may wish to identify them from several identification methods.

Method 1: Check whether the deductible and reimbursement ratio is effective

Similar to Xueping Insurance, in the protection liability of this type of product, medical treatment is the key, and medical treatment covers accidental medical treatment and inpatient medical treatment. It is best to:

1. Both inside and outside the medical insurance catalog can be reimbursed;

2, 0 are deductible, the lower the threshold, the better for the insured;

3. Try to look at products that are 100% reimbursed, and the reimbursement ratio is as high as possible.

So to see how Ping An Mengwa card insurance is, let's take the insurance product of Ping An Mengwa card as an example:

(1) Reimbursement can be made for hospitalization inside and outside the medical insurance catalog;

(2) But for the threshold part, accidental medical treatment is 0 deductible, but hospitalization medical treatment has 200 yuan deductible, which is not high and acceptable;

(3) Although accident medical treatment is 100% reimbursed after social security, but inpatient medical treatment is reimbursed by social security, only 70% is reimbursed, which is not high and needs attention.

Method 2: See if the main selling point of the product is prominent

Children's card-type insurance, the basic insurance covers accident and disease medical treatment, death, disability insurance; a few products also provide special content such as hospital allowances and major diseases.All in all, it has to be unique.

Taking Ping An Mengwa card insurance product as an example, the advantages are:

1. Wide range of protection responsibilities: in addition to accidental injury, accidental medical treatment, and hospitalization medical treatment, it also covers the protection of critical illness hospitalization allowance;

2. Strong practicability of inpatient medical treatment: not only is the amount of medical treatment high, there are 500,000, and both large and small diseases can be compensated, and all drugs outside the social security catalogue are also compensated, which is quite powerful;

3. High hospitalization allowance: the maximum subsidy is 180,000 yuan, which can be paid for 180 days and an additional hospitalization subsidy of 1,000 yuan per day, which can be regarded as an ICU subsidy.

The content analysis about the insurance of Ping An Mengwa card is introduced here, I hope it will be helpful to everyone.