Before the formal interpretation, we can analyze the comparison between Taiping medical insurance and public medical insurance and observe its facts:
Comparison table of Taiping medical peace of mind and domestic popular million medical insurance
1. What is the protection of Taiping Medical Peace of Mind Medical Insurance?
Not much to say, let's first take a look at what the security content of Taiping Medical Peace of Mind Medical Insurance is:
To tell the truth, my senior was a little disappointed to see the guarantee of Taiping Medical's peace of mind medical insurance. There are really not many guarantees and the price is not very friendly.
There is only one advantage that Taiping Medical's peace of mind and medical insurance can make people think deeply. General medical treatment has zero deductible. Compared with other medical insurance that needs to deduct 1 10,000 yuan after social security reimbursement, it has no deductible and is still excellent.
But the only advantage of this is covered by its shortcomings, which is still too weak compared with this guarantee responsibility. Senior sister will give you a key analysis of why it is protected.
1. Taiping Medical Peace of Mind Medical Insurance has only basic medical responsibilities.
Taiping Medical's peace of mind medical insurance covers these expenses: doctor's consultation fee, treatment fee, operation fee, medicine fee, examination and laboratory fee, hospitalization miscellaneous fee, etc. Generally speaking, these guarantees are included in medical insurance.
Such special outpatient services, such as outpatient and emergency expenses before and after hospitalization, are not included in Taiping Medical Insurance. Some friends may not feel anything. For example, someone is ill in the hospital. It's impossible to go to the hospital without a physical examination, right? Under normal circumstances, everyone should go to the clinic for examination. At the same time, the doctor needs some time to determine whether he needs to be admitted to the hospital. The same is true for outpatient and emergency expenses after hospitalization. No matter what kind of illness, you have to come back for a period of time after discharge, and you need money.
But these are not within the scope of peace of mind medical insurance of Taiping Medical. In this case, the expenses will naturally not be reimbursed. In contrast, the cost of outpatient and emergency services is not particularly exaggerated. One of the larger medical expenses includes anti-rejection treatment. For patients who recover well after transplantation, the medical expenses needed in the next month are about several thousand yuan. If there is a big situation of rejection, it is a general operation to spend tens of thousands, hundreds of thousands or even millions. 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 figure, we will find that there is a critical illness allowance in Taiping Medical's list of assured critical illness medical care, but it is not surprising that the current medical insurance is equipped with a critical illness allowance.
However, most other medical insurance will have critical illness medical insurance, which is not configured. There are many medical insurance products introduced by insurance companies, which are not limited to general medical liability. If the insured suffers from a serious illness within the scope of contract protection, the risk-taking ability of general medical liability will appear. Just use the reimbursement amount, and the medical reimbursement for serious illness can also be borne by the agreed amount of serious illness. This reimbursement amount is also applicable to general medical care, not only the general medical insurance is 2 million, but also the agreed serious illness. Even if the insured suffers from a serious illness, there will be no great medical pressure.
3. Taiping Medical's peace of mind medical insurance is not guaranteed to be renewed.
Senior sister thinks that not providing renewal insurance is the worst thing Dr. Taiping did, so feel at ease.
Maybe many friends are not very clear about what renewal can give you. Health notification is a necessary condition for starting medical insurance. If the body has a disease contained in the health notice, it is impossible to apply for medical insurance. It is completely guaranteed to renew the warranty, indicating that we have experienced this health notice this year. If you want to continue to apply for insurance next year, you must pass the insurance company's examination of the applicant's physical condition.
I don't think anyone dares to say that. I must be healthy, and I can succeed as long as I want to renew my insurance.
However, if it is a medical insurance product that guarantees renewal, it can still be insured even if the claim has been settled, the physical condition is not good or even the sale is stopped. In this way, for consumers who buy insurance, such conditions are really quite ok ~
If you don't know what impact the renewal of medical insurance will have on us, go to this article:
How to renew medical insurance and what should I pay attention to?
Second, the price of Taiping Medical Peace of Mind Medical Insurance is not worth buying.
In connection with what I said before, I suggest you don't buy this kind of peace of mind medical insurance.
There are indeed many disadvantages in excluding no deductible. The protection provided is not enough, and there is no guarantee for renewal. The most important thing is that the price is high. The same two conditions, one is 30 years old, and the other is that everyone has social security and wants to buy medical insurance. If someone else buys a medical insurance, 300 yuan will do, but Taiping Medical's peace of mind medical insurance needs to be in the early 900 s. After analyzing the insurance price ratio in detail, Senior Sister feels that the disadvantage is obvious.
What is the most comprehensive medical insurance? Senior sisters are all fully equipped. You must know more and compare more before you know which insurance is more suitable for you.
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