The following article introduces another product, Taiping Chao e Bao 202 1. Friends who want to know can click in: Taiping Chao e Bao 202 1 Is there a hole in medical insurance? The article tells you the truth!
Not much to say, first take out the product form diagram of Taiping Chao E Insurance 202 1 chronic medical insurance:
Taiping Super E Insurance 202 1 Chronic disease medical insurance includes general medical insurance, malignant tumor medical insurance and malignant tumor specific drug insurance. The responsibility is clear and definite. Let's take a closer look at the advantages of this product:
& gt& gt& gt Taiping Chao E-Insurance 202 1 Chronic disease medical insurance provides emergency medical treatment for 30 days after hospitalization.
Let's take a look at what is outpatient and emergency medical care before and after hospitalization.
Before and after hospitalization, literally, you may need to go to the emergency department for examination or diagnosis before hospitalization, and you may go back to the emergency department for re-examination after discharge, so the reasonable emergency expenses incurred within the time period stipulated in the contract can be reimbursed!
More than half of the millions of medical services in the market are usually accompanied by emergency medical services for 30 days before and after hospitalization, but Taiping Super E Insurance 202 1 Chronic Medical Insurance is more worthy of recognition, providing emergency medical services for 30 days before and after hospitalization!
For example, Wang Mai Jr. bought a million medical insurance that only provided 30 emergency treatments before and after hospitalization, and Xiao Li bought this Taiping Super E-Insurance 202 1 chronic medical insurance that provided 30 emergency treatments before and after hospitalization.
If Xiao Wang and Xiao Li are hospitalized on the same day because of the same disease, then Xiao Wang Can will only reimburse the reasonable outpatient and emergency expenses related to the disease 7 days before hospitalization and 30 days after hospitalization; Li Can Jr. reimbursed reasonable outpatient and emergency expenses related to the disease 30 days before hospitalization and 30 days after hospitalization. Through comparison, we can see that the reimbursement of the latter will really be greater than that of the former!
In this regard, Taiping Chao E Bao 202 1 chronic medical insurance is still on the side of consumers!
So what are the favorable comments of Taiping Super E-Bao 202 1 Chronic Disease Medical Insurance? Friends who want to know can take a look at this article: Super E Bao 202 1 (Chronic Disease Edition) Lightning Protection Guide must be read!
The advantage is over. Let's analyze the shortcomings of this Taiping Super E-Insurance 202 1 chronic medical insurance:
Insufficient point 1: Taiping Chao E Insurance 202 1 Chronic medical insurance is not guaranteed to be renewed.
Taiping Chao E-Insurance 202 1 Chronic medical insurance is a product with no guarantee for renewal. The guarantee period is only one year. When the warranty period expires, it will not be available if the production is stopped. For consumers, there is still a certain risk of renewal.
To put it simply, if the insured has physical problems, or the original insurance has been discontinued, we can't continue to insure this product under normal circumstances, which means we need to take time to re-select a product that is more in line with our own situation. It is impossible for us to get corresponding protection during the gap period! Then, this Taiping Chao E-Insurance 202 1 chronic medical insurance does not guarantee renewal, and consumers will not be at ease.
Insufficient point 2: Taiping Chao E Insurance 202 1 Chronic disease medical insurance proton heavy ion medical insurance coverage is low.
Taipingchao E-Insurance 202 1 Chronic disease medical insurance provides malignant tumor medical treatment, with 0 deductible and an annual limit of 2 million yuan, including the annual limit of proton heavy ion medical expenses accumulated in the same policy year of 6.5438+0 million yuan.
Now proton heavy ion medical treatment is what we should focus on.
Proton heavy ions travel near the speed of light, forming rays. Only a small amount of energy is released at the front of the tumor to avoid damage to normal tissues as much as possible. When they reach the tumor site, they will release a large amount of energy to form an energy peak, thus killing tumor cells.
Simply put, proton heavy ion is a treatment for malignant tumor and cancer, which has the advantages of non-trauma, accurate irradiation, low toxic and side effects, and high local tumor control rate. Compared with the previous cancer treatment, it is better, but it is also more expensive. However, Taiping Chao E Insurance 202 1 Chronic Disease Medical Insurance provides proton heavy ion medical expenses of 6.5438+0 million yuan, which is a bit low.
You know, there are many high-quality million medical insurance products on the market, and there are also many annual reimbursement quotas for proton heavy ion medical expenses. Zhongan Million Medical Insurance is 202 1 6 million years per year, and this annual quota is used to reimburse proton heavy ion medical expenses. (Enjoy medical care with serious illness * * *), which is much higher than Taiping Super Medical Insurance 202 1 Chronic Medical Insurance.
Generally speaking, this million-dollar medical insurance, which is mainly designed for people with chronic diseases, is still suitable for people with sub-health and chronic diseases. If such people don't have millions of medical insurance as a guarantee at present, you can consider this Taiping Super E-Insurance 202 1 chronic medical insurance.
If people are healthy and want more comprehensive protection, they can consider other millions of medical insurance products on the market, such as Fosun United Beyond Insurance 2020 Medical Insurance, which has comprehensive protection and is renewed for 6 years, and the deductible can be reduced every year.
Friends who want to know about this product can poke this article: Beyond the comprehensive upgrade in 2020, but it did not meet my expectations!
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