Before the article begins, if you don't know what medical insurance is and the difference from other types of insurance, you can take a look at the following article:
What's the difference between critical illness insurance, medical insurance, accident insurance and life insurance? Will there be conflicts when making claims?
1. What are the guarantees for Taikang to enjoy medical insurance?
As usual, let's take a look at the product protection map first:
Taikang Health Privileged Medical Insurance consists of four insurance plans, the main difference is that the insured amount is different. However, the guarantee contents of all schemes (except Scheme I) are consistent.
Scheme 2, Scheme 3 and Scheme 4 include: prepayment of specific disease insurance premium, specific disease medical insurance premium and non-specific disease medical insurance premium.
However, the coverage of plan 1 does not include the advance payment of specific disease insurance benefits.
The so-called advance payment of specific disease insurance benefits means that when the insured suffers from a certain disease and reaches the state agreed in the contract, the insurance company will pay him a sum of insurance benefits.
The insurance premium for specific diseases is paid first, which is somewhat similar to the protection of critical illness insurance, but its protection is still much weaker than that of critical illness insurance. Therefore, after buying medical insurance, we'd better buy another critical illness insurance.
If you want to buy a critical illness insurance, you can read the following article:
Top ten popular critical illness insurance stocks worth buying!
Second, is Taikang Health's exclusive medical insurance worth buying?
Taikang health exclusive medical insurance provides the insured with the protection of 20-year renewal, which is still very good. As we all know, the guarantee period of medical insurance is generally only one year. Therefore, with the guarantee renewal, the insured can get more stable protection.
Let's stop here about Taikang Health's exclusive medical insurance. If you think this product can't satisfy you, you can look at the following list of quality medical insurance ~
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