Tai Ping Medical Carefree 2021 is very hot online, so what will this medical insurance cover?
Schoolgirl is here to give you a review.
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"Want to know the cat's meow of Taiping's "Medical Carefree 2021"?
An analysis of the coverage of Taiping MediWorry 2021
According to the usual practice, the coverage charts come first!
Pacific Medical Care 2021 Coverage Chart
The above chart tells us that there is a difference between this Pacific Medical Care 2021 and most of the million dollar medical insurance coverage on the market. It is simpler to know that there is no deductible part in these two responsibilities, as all of them are covered by general medical treatment and hospitalization allowance for serious illnesses.
Maybe there is still a part of the friends do not understand what medical insurance can protect, reimbursement of what, then be sure not to miss this article:
"The most complete reimbursement guide for medical insurance are here!
It should be noted that the Pacific Medical Care 2021 reimbursement of hospitals specified in the scope of the third-class public hospitals, however, a large portion of the medical insurance on the market are permitted to second-class public hospitals or above, the product restrictions on hospitals a little bit more, please make sure to understand this issue when you have not yet been insured, to prevent the later can not be normal claims.
The shortcomings of the 2021 are many, so you can be patient and look for them!
1. Pacific Medical Care 2021 renewal conditions are poor
Pacific Medical Care 2021 can not guarantee that customers will be able to successfully renew the policy, if you want to renew the policy, you have to provide the insurance company with an application, the insurance company will be audited and then judged to give you to buy, of course, to renew the policy. Of course, the prerequisite for renewal is that the insurance product is still in normal sales. If the renewal conditions of the insurance products are very poor, this is extremely unfavorable to the policyholder. For example:
Lao Wang took out a medical product, Taiping MediWorry 2021 Medical Insurance, and was fully reimbursed for his losses in the first year because he met the conditions of the insurance claim. Lao Wang is very satisfied with the protection of this product for his interests, so he wants to continue to insure, and then made a request to the insurance company to renew the policy and provided relevant materials, however, the insurance company assessed that they may reject Lao Wang's application for renewal for a variety of reasons, and Lao Wang also knows that the difficulty in this case is to insure other medical insurance, and the possibility of being rejected is extremely high, because Lao Wang has had a claim incident, or the physical The medical condition can not pass the health notification, so after this, it is difficult to get medical insurance.
So, medical insurance like Taiping Worry Free 2021 which is not guaranteed to be renewed is not so friendly to the people whose health is prone to problems, there are many guaranteed renewals on the market and the years are still very long, there are 6 years, 20 years of million dollar medical insurance products, in general in the guaranteed renewals, these products will not be renewed due to the insured's health occurrences problems, or ever made a claim, the insurance company will unconditionally renew the policy for them, very reassuring.
2. The scope of reimbursement of hospitals is small
The scope of reimbursement of hospitals for JPMC 2021 is stipulated to be the tertiary public hospitals, and the restriction on hospitals for this product of {TaiPing Medical 2021-11} is comparatively larger.
If there are not many tertiary hospitals in some areas, the buyer of this insurance will need to go to a distant tertiary hospital to see a doctor if he wants to claim medical expenses, which will bring more trouble to the insured person, therefore, in terms of the hospital scope of the setup of the TPMS 2021 is not well thought out.
Secondly, it is not worth buying the 2021
On the whole, the 2021 has a zero deductible, but its coverage and the content of the coverage can not be very good with the social security insurance to supplement. In addition, this product does not provide value-added services, compared with the excellent million medical insurance is a little inferior.
Schoolmate suggests that you refer to this list compiled by schoolmate and choose the one that suits you best in light of your actual situation:
"Top 10 Million Dollar Medical Insurance Rankings Freshly Released!
Written in the end
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