How about the hospitalization expenses and medical insurance of Ping 'an Ankang?

Ankang inpatient medical insurance has advantages, but it does not have advantages among many medical insurances. Understand Ankang first:

Ankang hospitalization medical insurance has social security requirements, and there is a difference between social security and no social security premium.

The reimbursement rate with and without social security is different.

Only the hospitalization expenses of 180 days are covered in each policy year.

0 deductible

There are social security requirements when applying for insurance, and there are differences between social security and non-social security fees.

A 30-year-old male is the insured, with social security premium 1878 yuan and non-social security premium 16 12 yuan.

The reimbursement rate with and without social security is different.

Proportion with social security reimbursement: internal medicine 100%, external hospital 80%.

Excluding social insurance: 80% for internal use and 80% for external use.

Social security was selected at the time of purchase, but social security was not used in actual reimbursement, and the reimbursement ratio was only 60%.

Only the hospitalization expenses of 180 days are covered in each policy year.

Millions of medical insurance premiums are relatively low. I bought it at the age of 30. The premium is about 300 yuan, but there is a 10,000 deductible. This product has no deductible.

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What's the difference between this product and millions of medical insurance? Is this product worth buying and stamping? Link.