Taiping Medical Carefree 2021 is very popular on the Internet, so what kind of protection does this medical insurance provide?
Senior sister is here to give you a review.
For those who can’t wait, you can open the link below to learn more!
"Want to know the tricks of Taiping's "Yi Wuyou 2021"? This article will tell you right away”
1. Taiping Medical Wuyou 2021 guarantee analysis
As usual, the guarantee chart comes first!
Taiping Yi Wuyou 2021 Protection Chart
The content of the picture above tells us that the Taiping Yi Wuyou 2021 is still different from most million-dollar medical insurance protection contents on the market. of. It is mainly divided into two aspects, both of which include general medical care and critical illness hospitalization allowance protection. You must know that there is no deductible in these two responsibilities, and its protection content is simpler.
There may be some friends who don’t understand what medical insurance can protect and reimburse, so don’t miss this article:
"The Guide to the Most Comprehensive Reimbursement of Medical Insurance is here!" 》
It should be noted that the scope of hospitals reimbursed by Taiping Medical Insurance in 2021 is tertiary public hospitals. However, most of the medical insurances on the market are approved for tier 2 public hospitals or above. This product limits hospitals There are more aspects. Please be sure to understand this issue clearly before taking out insurance to prevent normal claim settlement in the future.
There seems to be a lot of deficiencies in Taiping Medical Carefree 2021. You can be patient and look for it!
1. Taiping Yi Wuyou 2021 has poor renewal conditions
Taiping Yi Wuyou 2021 cannot guarantee that customers can successfully renew their insurance. If you want to renew your insurance, you must contact the insurance company. Submit your application and the insurance company will review it and then decide whether to buy it for you. Of course, the prerequisite for renewal is that the insurance product is still on sale. If the renewal conditions of the insurance product are very poor, this will be extremely disadvantageous for the policyholder. For example:
Lao Wang insured the medical product Taiping Yiwuyou 2021 Medical Insurance, and received full loss reimbursement in the first year because he met the insurance claim conditions. Lao Wang is very satisfied with how this product protects his interests, so he wants to continue to take out the insurance. He then requests the insurance company to renew the policy and provides relevant materials. However, after the insurance company evaluates it, they may reject it for various reasons. Wang’s renewal application, Lao Wang also knows that the difficulty in this matter is to apply for other medical insurance, and the possibility of being rejected is extremely high, because Lao Wang has had a claim incident, or his physical condition cannot pass the health notification, so after this, It's hard to get medical insurance.
So, medical insurance like Taiping Wuyou 2021 that does not guarantee renewal is not so friendly to people who are prone to physical problems. There are many guarantee renewals on the market, and the lifespan is still long. Very long, there are 6-year and 20-year million-dollar medical insurance products. Generally speaking, during the guaranteed renewal period, these products will not cause problems due to the physical health of the insured. Even if the manager has ever paid compensation, the insurance company will unconditionally provide compensation. Its renewal is very reassuring.
2. The scope of Taiping Medical Wuyou reimbursement hospitals is small
The scope of Taiping Medical Wuyou 2021 reimbursement hospitals is tertiary public hospitals, {Taiping Medical Wuyou 2021-11 model Products have relatively greater restrictions on hospitals. }
If there are not many tertiary hospitals in some areas, and people who buy this insurance want to reimburse medical expenses, they need to go to a farther tertiary hospital to see a doctor, which will bring consequences to the insured. There are more troubles. Therefore, Taiping Medical Carefree 2021 is not thoughtful enough in terms of hospital-wide settings.
2. Is Taiping Wuyou 2021 worth buying?
In general, Taiping Wuyou 2021 has zero deductible which is quite attractive, but it The strength and content of protection cannot well complement social medical insurance. In addition, this product does not provide value-added services, which makes it inferior to the excellent million-dollar medical insurance.
The senior sister recommends that everyone refer to this list compiled by the senior sister and choose the one that suits you best based on your actual situation:
"The ranking of the top ten million-dollar medical insurance is newly released!" 》
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