As an indispensable part of the insurance industry, third-party insurance platforms have continued to develop in recent years. Purchasing insurance products online is no longer a new thing. Take Shuidibao as an example. This third-party insurance platform has a high popularity and popularity. Both the quality and service attitude are outstanding.

Next, the senior will introduce everyone to Shuidibao, a third-party insurance platform, to see if it is as outstanding as rumored.

Before starting the analysis, you may wish to learn how to distinguish between online insurance and offline insurance:

"Is it reliable to buy insurance online?" What is the difference between online insurance and offline insurance? 》

1. What kind of company is Shuidibao? Could it be a lie?

1. Company background

Shuidi Insurance is an Internet insurance platform launched by Shuidi Company in May 2017. The operating entity is Shuidi Insurance Brokerage Co., Ltd. It is a national insurance company approved by the China Banking and Insurance Regulatory Commission. Insurance Brokerage Company.

The registered capital is 50 million yuan, with 100 shares held by Beijing Zongqin Xiangxiang Technology Co., Ltd. At present, Shuidibao has cooperated with more than 60 well-known domestic insurance companies and launched hundreds of cost-effective and high-quality insurance products.

Involving various types of personal health insurance such as medical, critical illness, accident, life insurance, and annuity, covering various groups such as children, adults, the elderly, and people with chronic diseases.

2. User data

As of September 2020, the platform has protected nearly 140 million users and more than 71 million families, covering nearly 94 cities across the country. County, 76% of users are from third-tier or lower-tier cities.

According to data, the willingness to repurchase is as high as 73%, making it the first choice for more users to purchase insurance.

2. Are Shuidibao’s products reliable? What is the coverage?

As for Shuidibao’s products, let me just give you an example. I will directly present you with a product picture, which introduces Shuidibao Million Medical Insurance 2021:

After reading the product picture, let’s analyze it together.

Advantages of Shuidibao Million Medical Insurance 2021:

1. Optional deductible

In terms of deductible, Shuidibao Million Medical Insurance 2021 offers two options of 5,000 yuan and 10,000 yuan, but the higher the deductible, the cheaper the premium, and vice versa.

The so-called deductible, in layman’s terms, the insurance company does not need to bear liability for compensation within the limit. When the value of medical expenses exceeds this limit, the insurance company will pay compensation.

Shuidibao Million Medical Insurance 2021 has set two deductibles, so that it can satisfy people with different budgets, so that everyone will not worry about the annual premium. .

But is the lower the deductible, the better? The senior sister doesn’t agree. What is the specific content? Let's take a look:

"What is the deductible? Is the lower the deductible, the better?"

2. Outpatient and emergency coverage is long before and after hospitalization

The pre- and post-hospitalization outpatient and emergency coverage of Shuidibao Million Medical Insurance 2021 includes 30 days before hospitalization and 30 days after discharge. Of course, as long as during this period, all medical expenses of the insured can be reimbursed.

Nowadays, most million-dollar medical insurance patients’ outpatient and emergency visits before and after hospitalization are 7 days before and 30 days after. Some insurances actually use 7 days after the first 7 days.

However, Shuidibao million medical insurance in 2021 has reached 30 days after the first 30 days, which provides great convenience to the underwriter.

Whether the insured is hospitalized within the coverage period or during the waiting period, the insurance company will reimburse reasonable and necessary medical expenses incurred in outpatient and emergency services 30 days before and 30 days after the hospitalization.

Disadvantages of Shuidibao Million Medical Insurance 2021:

1. The waiting period is limited

Everyone knows that this Shuidibao Million Medical Insurance 2021 product has three There are different waiting periods. If the waiting period is 30 days, the waiting period for outpatient and emergency medical treatment is 60 days, and the waiting period for critical illness medical treatment is 90 days.

However, the waiting period for the excellent million-dollar medical insurance currently on the market is basically 30 days, and there is no distinction between general medical treatment and critical illness medical treatment, and they are all treated equally.

In this aspect, Shuidibao million medical insurance 2021 is still a bit lacking!

3. Senior Sister’s Suggestions

After various aspects, we know that the protection content of Shuidibao Million Medical Insurance 2021 is still very good, but it also has a shortcoming, that is, waiting There are too many term restrictions.

So, I suggest that you think more carefully before deciding whether to insure Shuidibao million medical insurance in 2021. First, choose several excellent million-dollar medical insurance and compare them before making a decision.

I just want to tell you about excellent million-dollar medical insurance. Here is a list of excellent million-dollar medical insurance. Friends who want to know more about it can check it out:

《 The top ten million-dollar medical insurance rankings are newly released! 》

Written at the end

I am a top scholar who talks about insurance, focusing on objective, professional and neutral insurance evaluation;

If the above content has not been resolved yet For your questions, you can also consult me ??on the official account Xueba Talk Insurance;

I will give you the most professional advice based on my years of experience in configuring insurance for 10W families.

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