Taiping Chao E-Insurance 202 1 The main function of chronic medical insurance is reflected in people with chronic diseases. Friends in poor health can get more care. The reason for this is that they can also be insured in case of illness!
What are the advantages of this kind of insurance? What are its advantages and disadvantages? Is it really worth starting with? Senior sister will talk about it in detail today.
The following article introduces another product, Taiping Chao e Bao 202 1. If you want to know, you can click here:
Is there anything deceptive about Taiping Chaoe? This article tells you!
So, first of all, take out the product form diagram of Taiping Chao E Insurance 202 1 chronic medical insurance:
Taiping Super E Insurance 202 1 Chronic Medical Insurance provides general medical insurance, malignant tumor medical insurance and malignant tumor specific drug insurance, which shows that it has a clear responsibility system. What are the advantages of this product? We have a deeper understanding:
& gt& gt& gt Provide emergency medical care for 30 days after 30 days before hospitalization.
Let's take a look at what is outpatient and emergency medical care before and after hospitalization.
The outpatient and emergency department before and after hospitalization literally means that the premise of hospitalization is that you need to go to the outpatient and emergency department for examination or diagnosis, and you may go back to the outpatient and emergency department for re-examination after discharge, so the reasonable outpatient and emergency expenses incurred within the time period stipulated in the contract can be reimbursed!
There are not a few millions of medical services in the market that provide emergency medical care for 30 days after 7 days before hospitalization. Relatively speaking, Taiping Super E-Insurance 202 1 chronic medical insurance has done better, providing emergency medical care for 30 days before and after hospitalization!
For example, Wang Mai Jr. bought a million medical insurance that only provided 30 days of emergency medical treatment after 7 days before hospitalization, while Xiao Li bought this Taiping Super E Insurance 202 1 chronic medical insurance that provided 30 days of emergency medical treatment after 7 days before 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 the reasonable outpatient and emergency expenses related to the disease 30 days before hospitalization and 30 days after hospitalization, so the reimbursement will be even stronger!
It can be seen that Taiping Chao E-Insurance 202 1 Chronic medical insurance is still very humanized!
This paper analyzes the advantages of Taiping Chao E-insurance 202 1 chronic medical insurance. Interested friends can see here:
Do you want to buy Super E-Bao 202 1 (Chronic Disease Edition)? These pits should be skipped!
Now that we know the advantages, what are the disadvantages of this Taiping Super E-Insurance 202 1 chronic medical insurance?
Shortcomings 1: renewal is not guaranteed.
At present, the medical insurance for chronic diseases of Taiping Chao E-Insurance 202 1 does not guarantee renewal, but only provides one-year protection. Even if the contract has stipulated that if the warranty period expires, the product does not need to be reviewed and renewed, but once the product is discontinued, it can no longer be purchased, but there is still a certain risk of renewal for consumers.
To put it bluntly, if there is something wrong with the insured's body, or the original product does not support the purchase, we can't continue to insure this product, which means we need time to choose a product that suits us, and we can't get the corresponding protection during the gap period!
Then, Taiping Chao E Insurance 202 1 Chronic Disease Medical Insurance, which can't guarantee renewal, seems to be unprotected for consumers.
Insufficient point 2: proton heavy ion medical insurance coverage is low.
Taiping Chao E-Insurance 202 1 Chronic Disease Medical Insurance provides medical treatment for malignant tumors, with 0 deductible and an annual limit of 2 million, of which the annual limit of proton heavy ion medical expenses accumulated in the same policy year is 6,543,800 yuan.
Like proton heavy ion medicine, pay special attention.
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 some previous treatments, it will be better, but at the same time, it will be more expensive. However, in terms of proton heavy ion medical expenses, the service life of Taiping Chao E Bao 202 1 Chronic Disease Edition can reach 654.38+0 million yuan, which is a bit low.
Moreover, there are many other high-quality million medical insurance products on the market, and the amount of proton heavy ion medical expenses that can be reimbursed every year is still very high. With regard to the setting of proton heavy ion medical expenses limit, the limit of Zhongan Million Medical Insurance 202 1 is set at 6 million (shared with critical illness medical care * * *) every year, and the chronic disease medical insurance of Taiping Chao Medical Insurance 202 1 is much less than this.
Generally speaking, this product is designed for sub-healthy people and patients with chronic diseases. This million-dollar medical insurance is still suitable for two people. 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 million medical insurance products on the market. For example, Fosun United Beyond Insurance 2020 Medical Insurance can provide comprehensive protection for the insured, and the annual deductible can be reduced. Moreover, the guarantee renewal period of this product is six years, which is better.
Friends who want to know about this product can poke this article:
Beyond the comprehensive upgrade promised by Bao 2020, it does not meet my expectations!
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