Before learning the formal content, you can learn about the comparison between Taiping Medical Peace of Mind Medical Insurance and Volkswagen Medical Insurance, and examine its inside story: the comparison table between Taiping Medical Peace of Mind Medical Insurance and Volkswagen Million Medical Insurance.
1. What is the protection of Taiping Medical Peace of Mind Medical Insurance?
Not much to say, let's first explore the protection contents of Taiping Medical Peace of Mind Medical Insurance:
Seriously, the senior regrets the security of Taiping Medical's peace of mind and medical insurance. The guarantee is really not much, and its price is not low.
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 treatment has zero deductible. Compared with other medical insurance, it is still very beneficial for us to deduct 1 10,000 yuan after social security reimbursement.
But this benefit is just blocked by its defects, after all, because the responsibility for protection is too weak. Senior immediately give you a serious analysis of why its protection is so weak.
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 also included in the general medical insurance.
However, for this special outpatient service, such as outpatient and emergency expenses before and after hospitalization, Taiping Medical's peace of mind medical insurance is not included. It may not be a concept to some friends. For example, if someone is ill in hospital, it is impossible to go to the hospital without a physical examination. Generally speaking, it takes a period of treatment such as outpatient examination and taking medicine. To determine whether hospitalization is necessary. Then the cost of outpatient service and emergency service after hospitalization is still the same. Under normal circumstances, after leaving the hospital, you need a follow-up visit after a period of time. These places need money.
However, these contents have not been designed into the peace of mind medical insurance of Taiping Medical. In this case, the expenses will naturally not be reimbursed. For many people, the cost of outpatient and emergency services is not bad. Anti-rejection therapy after organ transplantation requires huge medical expenses. Fortunately, the recovery state after transplantation is better, and the medical expenses needed in the later stage are less. If there is a big case of rejection, it is not surprising that the bill is tens of thousands or even millions. Therefore, this kind of special outpatient service is not within the scope of protection and is not good for consumers.
2. The critical illness protection of Taiping Medical Anxin Medical Insurance is general.
From the picture, we know that Taiping Medical's assured critical illness care is equipped with critical illness allowance, but as far as the medical insurance on the market is concerned, there are not a few products with critical illness allowance.
On the contrary, medical insurance for serious illness will be available in universal insurance, but not in Taiping medical insurance. At present, in most medical insurance, except general medical liability, if the insured suffers from an agreed disease, the insured can use the reimbursement amount of general medical liability or the reimbursement amount of agreed serious illness at this time. The contracted serious illness and general medical insurance are at the same level, not only the general medical insurance is 2 million, but also the contracted serious illness. Even if there is medical pressure due to sudden illness, there is no need to worry too much about it.
3. Taiping Medical's peace of mind medical insurance is not guaranteed to be renewed.
Senior sister thinks that the lack of renewal insurance is the worst point for Dr. Taiping to feel at ease.
Maybe many friends are not very clear about what renewal can give you. Before buying medical insurance, you must bring a health notice. If you unfortunately encounter the symptoms stipulated in the health notice, you can't apply for medical insurance. Not responsible for renewal, so we passed this health notice this year, and the insurance company will allow you to continue to apply for insurance only after your physical condition is passed next year.
Who can guarantee that their physical condition has always been good and that they will succeed through physical renewal?
If the configured medical insurance products provide guaranteed renewal service, even if claims have been settled, health problems or sales have stopped, the insurance can still be renewed. For us consumers, such conditions are very favorable ~
If you don't know what impact the renewal of medical insurance will have on us, then move to this article: "How to renew the insurance and what should I pay attention to?" 》
Second, is Taiping Medical's peace of mind medical insurance worth buying?
Based on what I told you before, I don't think you can start with the product of Dr. Taiping's peace of mind medical insurance.
Apart from no deductible, medical care has many shortcomings, such as too few types of insurance, no renewal insurance, and the most important thing is that the price is more expensive than others. The purchase of commercial insurance is based on social security, and the 30-year-old medical insurance needs to be configured. Others only need to spend about 300 yuan to buy medical insurance. On the same basis, Taiping Medical's peace of mind medical insurance costs more than 900 yuan's. According to this price, the senior feels that it does not match the corresponding protection of insurance.
What kind of medical insurance can I buy? The seniors have also sorted it out. You can choose to buy according to your age needs: "Ten million medical insurance rankings are freshly released! 》
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