Before getting into the business, let's study the comparison between Taiping Medical's assured medical insurance and public medical insurance and touch its foundation:
Comparison Table of Taiping Medical Peace of Mind Medical Insurance and Domestic Popular Million Medical Insurance
1. What is the protection of Taiping Medical Peace of Mind Medical Insurance?
Let's not talk nonsense. Let's first analyze what the security content of Taiping Medical Peace of Mind Medical Insurance is:
Reasonable, in the view of senior sister, the protection of Taiping Medical Peace of Mind Medical Insurance is very bad. There is really not much guarantee and the price is not very friendly.
In fact, many people are not optimistic about Taiping Medical's peace of mind medical insurance, but one of its advantages is that general medical care has zero deductible, which is quite good compared with other medical insurance that needs to deduct 1 10,000 yuan after social security reimbursement.
It is this advantage that is inappropriate, but it is covered up by its shortcomings. After all, it is too weak to guarantee lifelong responsibility. Senior sister is here to tell you separately why it is said to be thin.
1. Taiping Medical Peace of Mind Medical Insurance has only basic medical responsibilities.
The peace of mind medical insurance of Taiping Medical covers the following expenses: doctor's consultation fee, treatment fee, operation fee, medicine fee, examination and laboratory fee, hospitalization miscellaneous fee, etc. These are all included in the general medical insurance.
But for example, some special outpatient services, such as outpatient and emergency expenses before and after hospitalization, are not covered by Taiping medical insurance. Some friends may know nothing about it. For example, it is impossible for a person to go to the hospital without a physical examination. In most cases, it is necessary to go to the outpatient clinic for examination, and it will take some time for the doctor to see whether to be admitted to hospital for treatment. At the same time, the outpatient and emergency expenses after hospitalization are also the same, especially after discharge, and there is usually a second follow-up visit, which costs money.
However, these processes do not belong to the guarantee of Taiping Medical's peace of mind and medical insurance, and will certainly not be reimbursed. What is terrible is that anti-rejection treatment after organ transplantation, a special outpatient service, needs a lot of money to support it. If the recovery after transplantation is good, then the medical expenses in the later period will be less, and thousands of dollars a month will be enough to consolidate the condition. If there is a big rejection, it is reasonable to spend tens of millions in the end. Therefore, this kind of special outpatient service is not within the scope of protection and is risky for consumers.
2. The critical illness protection of Taiping Medical Anxin Medical Insurance is general.
From the picture, we will find that Taiping Medical's list of assured critical illness medical care has a critical illness allowance, but as far as medical insurance is concerned, everyone generally has a critical illness allowance.
However, most other medical insurance will have critical illness medical insurance, which is not configured. General medical liability insurance is just one of many medical insurances. Assuming that the patient's illness falls within the scope agreed in the contract, the risk-taking ability of general medical responsibility is revealed. The reimbursement amount is enough. Consumers can also reimburse by agreeing on the amount of serious illness. The insurance company provides the same amount of general medical care and agreed serious illness. Accurately speaking, there are 2 million guarantees for general medical care and contracted serious diseases, which can have a good medical burden for finding serious diseases.
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 the vast majority of friends are not very clear, do not know what is the use of renewal. Health notification is a necessary condition for starting medical insurance. In case of diseases involved in health notification, medical insurance cannot be completed. It is completely guaranteed to renew the insurance, which means that we have experienced this health notice this year and will have to go through the physical examination of the insurance company next year before we can apply for insurance.
I don't think anyone is sure. He has always been in good health. If he wants to renew his insurance, he can renew it.
However, if the purchased medical insurance products are guaranteed to be renewed, even if claims have been made during the guaranteed renewal period, you can still continue to apply for insurance in the case of poor health or suspension of sales. For the insured, this condition is relatively good ~
The following article can clearly tell you the impact of medical insurance renewal on us:
What should I pay attention to when renewing medical insurance? An analysis! 》
Second, the price of Taiping Medical Peace of Mind Medical Insurance is not worth buying.
To sum up, senior, I don't think this kind of reassuring medical insurance is worth buying.
Excluding deductible, there are really many defects. The guarantee is a bit monotonous, and no renewal is provided. The worst thing is that it is more expensive than others. Everyone buys medical insurance on the premise that they have social security at the age of 30. Others only need to be around 300 yuan to buy it. On the same basis, the medical insurance cost of Taiping Medical Peace of Mind is more than that in 900 yuan, which is a bit uneconomical for senior students.
What kind of medical insurance is worth buying? Senior has organized the insurance information in an orderly way, so buying insurance must meet the age demand and further maximize the income:
Ten million medical insurance rankings are freshly released! 》
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