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    平安e生保優缺點

    2016-11-27 16:25:59 生活隨筆 來源:http://www.ssiise.com 瀏覽:

    導讀:   平安e生保優缺點  下面是www 39394 com煙花美文網小編整理的平安e生保優缺點,供大家參考!  ①免賠額1萬。  ②無社保扣除免賠額 ...

      平安e生保優缺點

      下面是www.ssiise.com煙花美文網小編整理的平安e生保優缺點,供大家參考!

      ①免賠額1萬。

      ②無社保扣除免賠額后按70%賠付,只賠住院,不賠付門診。

      ③分三個計劃:計劃一的年限額20萬,計劃二50萬,計劃三100萬。

      1. 投保年齡:28天-50周歲,可續保至99周歲

      2. 保障區域:中國大陸(不含港澳臺)

      3. 醫院范圍:二級或二級以上公立醫院普通部

      4. 保險期間:1年

      5. 等待期:30天(意外導致的醫療沒有等待期) 平安e生保優缺點

      6. 允許投保職業:1-3類

      7. 線上投保:免人工核保,僅需健康告知,健康告知通過后可投保,只有電子保單

      8. 續保:可自動續保,或者主動續保。不會因為被保險人個人身體狀況或使用保險情況調整保費,如果續保時未發生理賠,可以提升保障計劃

      費率超低的

      年度總限額計劃一 20萬計劃二 50萬計劃三 100萬

      保險區域中國大陸(不含港澳臺)

      醫院范圍二級或二級以上公立醫院普通部

      賠付比例使用社保或公費醫療先行賠付,保險賠付=醫療費用-社保統籌或公費醫療賠付-免賠額 未使用社保或公費醫療先行賠付,保險賠付=醫療費用*70% -免賠額

      免賠額1萬1萬1萬

      住院及指定門診責任

      住院(床位費、膳食費、藥品費、治療費、護理費、檢查檢驗費、手術費、救護車使用費)同年度總限額

      住院前后7天門急診同年度總限額

      特殊門診(癌癥電療/放化療、腎透析)同年度總限額

      門急診手術同年度總限額

      注:社保或公費醫療報銷部分不能計入免賠額。在其他商業保險已報銷部分及自付部分,只要符合該險種賠付條件的,都可以計入免賠額。

      投保/續保條件

      常住地要求:被保險人常住地需在北京、上海、天津、廣東、深圳、江蘇、浙江、遼寧(除大連)地區。

      猶豫期:保單承保次日起,有10日的猶豫期。在此期間,您若提出解除合同,我們將無息退還您所支付的全部保險費。

      等待期:首次投保或非連續投保本保險時,被保險人因疾病需要住院治療或接受指定門診治療的,自本合同生效之日起30日為等待期。被保險人在等待期內發生的保險事故,我們不承擔給付保險金的責任。續保或者因意外傷害進行治療的無等待期。 平安e生保優缺點

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