Professionalism and warmth are the core principles of our claims service. With 8 years of experience in the insurance industry, we have helped users secure over hundreds of millions in claims.
Each month, we regularly update claim cases to document real-life stories, convey the goodwill of insurance, and share practical insurance knowledge and tips. Today, we will share a claim example involving a million-yuan medical insurance policy. Below is a brief overview of the claim: Now, let’s delve into the detailed claims process. 1. A few hundred yuan bought million-yuan medical coverage, leading to a 38,000 yuan reimbursement for leukemia diagnosis. Ms. Y (pseudonym) has strong insurance awareness. Shortly after her child was born, she purchased a 20-year guaranteed-renewable million-yuan medical insurance policy, e-Xianghu-Yixiangwuyou, through the Shenlanbao platform. At the beginning of this year, her child frequently experienced colds and fevers. Initially, Ms. Y assumed it was due to low immunity and common childhood illnesses, so she didn’t pay much attention. Later, when the child’s fever recurred repeatedly, Ms. Y immediately took him to a major hospital for detailed tests, where he was diagnosed with leukemia. The child was only 2 years old. As a mother, Ms. Y was heartbroken and overwhelmed by the high treatment costs. At this point, she remembered the million-yuan medical insurance policy she had purchased for her child two years earlier and contacted us without delay. Our claims specialist assessed the situation and advised her to first report the claim to the insurance company. They also reminded Ms. Y of the documentation required for the claims process. After the child was discharged, she submitted the relevant materials to the insurance company to formally file the claim. Thanks to the thorough preparation of documents, the claim was approved by the insurance company in less than a month. As per the policy terms, after reimbursement and deducting the 10,000 yuan deductible, the million-yuan medical insurance policy covered a total of 38,306.17 yuan in expenses. While the treatment is not yet complete, the policy’s 20-year guaranteed renewal ensures continued coverage for the next 17 years, as long as Ms. Y renews it annually. This provides ongoing protection for her child’s medical expenses. (Policy renewal terms) This brought Ms. Y considerable relief, allowing her to focus on her child’s recovery without financial worries. We also remind our platform’s policyholders not to panic in the event of a claim. Our professional claims team provides end-to-end assistance throughout the process. Contact us immediately if a claim arises, and our specialists will ensure a smooth experience.First, follow the WeChat official account “Shenlan Baozhuanxin Insurance Broker,” then proceed with the following steps:
**Key Takeaways from This Claim Case** From this claim case, we’ve gained some insights into purchasing insurance for children. Here’s what we learned: 1. **Purchase Insurance Early** Illnesses and accidents are unpredictable. As parents, our greatest fear is being unable to afford medical treatment for our children in case of an emergency. Million-yuan medical insurance acts as a safety net, ensuring financial support for major illnesses. Most products are available for children as young as 28 days old, so it’s advisable to secure coverage early. 2. **Opt for Long-Term Renewable Million-Yuan Medical Insurance** After a serious illness, it’s often difficult to purchase million-yuan medical insurance again. Conditions like leukemia require prolonged and expensive treatment. Short-term policies may leave gaps in coverage if discontinued, especially if health issues arise later. Therefore, choose policies with long-term renewal guarantees, such as 20-year options, to ensure continuous protection. For a list of long-term renewable million-yuan medical insurance products, refer to our [Million-Yuan Medical Insurance Rankings]. 3. **Consider Supplementing with Critical Illness Insurance** While million-yuan medical insurance is practical, it’s reimbursement-based, requiring upfront payment. Critical illness insurance provides a lump-sum payout upon diagnosis, covering treatment costs, income loss, and rehabilitation expenses. For children under 5, it’s often more affordable than medical insurance and offers lifelong coverage. If unsure which product to choose, consult a professional advisor via the link at the end of this article.Whenever a claim case arises, our emotions are quite mixed.
It is heartbreaking because it means someone has suffered a loss, which is a blow to both the individual and their family. Yet, we are also relieved that, with our assistance, they successfully received the claim payment, resolving their urgent needs. Perhaps many people may not encounter claims or pay much attention to them for now. However, we hope that through articles like this, everyone can understand that insurance is truly useful and can provide tangible help. Of course, our greatest wish remains that everyone stays healthy and safe, never needing to use insurance. That concludes today’s discussion on claim examples.
