Many friends in the background have questioned the seniors. How about this medical insurance? Don't worry, senior, we'll start the evaluation right away!
Before further understanding, let's analyze the comparison between Taiping Medical Peace of Mind Medical Insurance and Volkswagen Medical Insurance in advance, and understand its inside story: the comparison table between Taiping Medical Peace of Mind Medical Insurance and domestic Volkswagen Million Medical Insurance.
1. What is the protection of Taiping Medical Peace of Mind Medical Insurance?
As usual, let's take a look at the contents of Dr. Taiping's peace of mind medical insurance:
To tell the truth, my senior sister thinks that the protection of Dr. Taiping's peace of mind medical insurance is not feasible, and the content of protection is relatively small. At the same time, its price is quite disappointing.
In fact, many people are not optimistic about Taiping Medical's peace of mind medical insurance, but there is also a bright spot, that is, the general medical zero deductible.
Compared with other medical insurance, which needs to deduct the deductible of 1 10,000 yuan after social security reimbursement, it is still excellent without deductible.
This advantage is really good, but it is covered by its shortcomings. The fact is that the responsibility to protect is too meager.
Sister Xue will tell you why you are so thin.
1. Taiping Medical Peace of Mind Medical Insurance has only basic medical responsibilities.
Taiping Medical's peace of mind medical insurance covers a lot of expenses: medical expenses, treatment expenses, operation expenses, medicine expenses, examination and laboratory expenses, hospitalization miscellaneous expenses, etc. But these insurances are found in many medical insurances, which are not special.
However, like some special outpatient clinics, such as outpatient and emergency expenses before and after hospitalization, Taiping Medical's peace of mind medical insurance is not included.
Maybe some friends don't know. It is impossible for a person to be hospitalized suddenly without examination, right? In most cases, it is necessary to carry out outpatient examination. At the same time, the doctor will decide whether to be hospitalized after taking medicine and other treatments for a period of time.
The same is true for outpatient and emergency expenses after hospitalization. After discharge, it is generally necessary to return to the hospital, and these tests often require a lot of money.
This part of the medical insurance to ensure the peace of mind of Dr. Taiping is not provided, so the money spent is not within the scope of reimbursement.
In fact, comprehensive calculation, emergency expenses are not particularly high. But organ transplantation is very different.
After organ transplantation, anti-rejection therapy needs a lot of financial support. The cost of consolidation medicine after transplantation is only a few thousand dollars a month. If the rejection situation is relatively large, it is customary to spend tens of thousands or hundreds of millions.
Therefore, this special clinic is not covered by the protection and is not friendly to consumers.
2. The critical illness protection of Taiping Medical Anxin Medical Insurance is general.
From the picture, we will find that there is a critical illness allowance in Taiping Medical's assured critical illness medical list. However, it is not uncommon for medical insurance on the market to have a serious illness allowance.
On the contrary, the critical illness insurance configured by normal medical insurance has disappeared.
At present, in addition to general medical liability, most medical insurances have agreed reimbursement amount for serious illness after the basic guarantee of general medical liability is reimbursed, which is usually the same as the basic guarantee of general medical care.
In other words, if the general medical insurance coverage is 2 million, then there is still 2 million coverage for serious illness, so even if you suffer from serious illness, you don't have to worry too much about medical pressure.
3. Taiping Medical's peace of mind medical insurance is not guaranteed to be renewed.
Senior sister thinks that the biggest disadvantage of Taiping Medical's peace of mind is that it does not provide renewal protection.
Maybe many friends are not very clear about what renewal can give you.
You know, you can only configure medical insurance if you meet the health notification. There is no way to complete medical insurance for the diseases involved in health notification.
Failure to renew the insurance means that we have passed this health notice this year and will have to go through the medical examination of the insurance company next year before we can apply for insurance.
But who can guarantee that their physical condition is always good and they will succeed through physical renewal?
However, if you start with the medical insurance products that are guaranteed to be renewed, you can continue to renew the insurance even if you have finished the claim settlement, have physical problems or even stop selling during this period. For our customers, this clause is very applicable ~
If you want to know more about the impact of medical insurance renewal on us, then take a good look at the following article: "How to renew medical insurance, what should I pay attention to?" An analysis! 》
Second, the price of Taiping Medical Peace of Mind Medical Insurance is not worth buying.
To sum up, senior sister does not recommend all friends to buy this kind of peace of mind medical insurance.
No deductible is not covered, and there are many disadvantages. There is not much guarantee, and the price is still higher than others.
Everyone buys medical insurance at the age of 30 on the premise of social security. Others only need about 300 yuan to buy it, but the insurance cost is as high as that of 900 yuan.
According to this price, seniors feel that it does not match the corresponding protection of insurance.
So, what medical insurance can be purchased with confidence?
Senior sister has compiled an excellent list of millions of medical products, which can be compared and purchased: "The top ten million medical insurance rankings are freshly released! 》
Write it at the end
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