The backstage senior also received many questions from friends about this medical insurance. Senior sister begins to evaluate now!
Before the formal analysis, you can know the comparison between Taiping Medical's peace of mind medical insurance and public medical insurance in advance:
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1. What is the protection of Taiping Medical Peace of Mind Medical Insurance?
Before it's too late, let's first study the contents of Taiping Medical Peace of Mind Medical Insurance:
To tell the truth, Senior Sister feels that there are many problems in the protection of Taiping Medical's peace of mind medical insurance, and the content of the protection is indeed a bit single, and there is no certain advantage in terms of price.
In fact, many people are not optimistic about Taiping Medical's peace of mind medical insurance, but it has a better place, that is, the general medical zero deductible. Compared with other medical insurance, it needs to deduct the deductible after social security reimbursement 1 10,000, and it is good to have no deductible.
But this benefit is still covered by its shortcomings. The fact is that the responsibility for protection is too weak. Senior sister will focus on explaining why its security is weak.
1. Taiping Medical Peace of Mind Medical Insurance has only basic medical responsibilities.
Taiping Medical's peace of mind medical insurance covers many expenses: guaranteed doctor's consultation fee, treatment fee, operation fee, medicine fee, examination and laboratory fee, hospitalization miscellaneous fee, etc. But many of these medical insurances are included.
However, like some practical guarantees, such as outpatient and emergency expenses before and after hospitalization, Taiping medical insurance is not included.
Maybe some people don't understand this. For example, someone is ill in the hospital. It's impossible for him to be hospitalized without passing the examination, isn't it?
In most cases, you need to go to the clinic for examination and take medicine at the same time. And it will take some time to see a doctor before you can determine whether you need to be hospitalized.
The same is true for outpatient and emergency expenses after hospitalization. After leaving the hospital, you need to go to the hospital for a period of physical conditioning, which will generate a lot of expenses. However, these are not the guarantee of Taiping Medical's peace of mind and medical insurance, and naturally they will not be reimbursed.
Of course, the cost of outpatient and emergency services may not be particularly high, but it is still high, such as anti-rejection treatment after organ transplantation. If the condition after transplantation is better, only a few thousand dollars of medical expenses will be needed to consolidate it in the next month. If the rejection situation is relatively large, it is reasonable to spend tens of thousands of millions in the end.
Therefore, this special clinic is not covered, and it is unfriendly from the standpoint of consumers.
2. The critical illness protection of Taiping Medical Anxin Medical Insurance is general.
From the figure, we can also see that the critical illness allowance is the only guarantee in Taiping Medical's peace of mind medical insurance, but as a medical insurance that has entered the market now, it is not surprising to configure the critical illness allowance.
On the contrary, medical insurance for serious illness will be available in universal insurance, but not in Taiping medical insurance. General medical liability insurance is just one of many medical insurances. If you suffer from an established disease, consumers can get the right to pay for general medical responsibility.
However, this reimbursement amount also applies to medical treatment for serious illness. The insured can get 2 million yuan of general medical care and double insurance for scheduled serious illness, which can ensure that they do not have to bear great medical pressure when they find serious illness.
3. Taiping Medical's peace of mind medical insurance is not guaranteed to be renewed.
Senior sister thinks that one of the biggest shortcomings of Taiping Medical's peace of mind is that it does not give consumers renewal protection.
Perhaps most of my friends don't quite understand the benefits of guaranteeing renewal. Health information is still very important for buying medical insurance. If you have the disease specified in the health notice, you are not eligible for medical insurance.
Maybe we can easily pass the health notification this time, but if we want to continue to apply for insurance next year, we must cooperate with the medical examination of the insurance company again, but who can guarantee that our physical condition will always be good and we will be able to renew our insurance successfully?
If the insured medical insurance products are guaranteed to be renewed, even if the claims have been settled, the health status or even the sale has stopped, the insurance can be renewed. For us consumers, this condition is really ok ~
If you still don't understand the impact of medical insurance renewal, the following article can be interpreted for you:
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Second, the price of Taiping Medical Peace of Mind Medical Insurance is not worth buying.
Combined with what I said earlier, I suggest you don't buy this kind of peace of mind medical insurance for Dr. Taiping.
Apart from no deductible, there are still many defects: insufficient guarantee, no guarantee for renewal, and the most important thing is that the price is more expensive than others.
Everyone has social security to buy medical insurance at the age of 30. A good medical insurance with sufficient protection can be bought by others for about 300 yuan, but the peace of mind medical insurance of Taiping Medical needs to be in the early 900 s. This price is a bit uneconomical for senior students.
What medical insurance can I buy? Senior sister lists all the medical insurance projects one by one, and through comparison, you can choose to buy insurance that is more beneficial to you:
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Write it at the end
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