This year, Pacific Life Insurance launched the Taiping Guangdong-Hong Kong-Macao Greater Bay Area ***Exclusive 2021 medical insurance for consumers. So how about its million-dollar medical insurance? What exactly does it cover? How is it considered a *** enjoyment? Do you want to configure it? Come and find out!
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(1) How about Taiping Guangdong-Hong Kong-Macao Greater Bay Area ***Enjoy 2021 medical insurance
Without further ado, let’s first go to Taiping Guangdong-Hong Kong-Macao Greater Bay Area ***Enjoy 2021 Product form diagram of medical insurance:
As you can see, Taiping Guangdong-Hong Kong-Macao Greater Bay Area *** Enjoy 2021 medical insurance is slightly different from our common million-dollar medical insurance in terms of coverage content. The specific coverage is: How is it? Is it considered good? Let’s take a look:
Highlight 1: Taiping Guangdong-Hong Kong-Macao Greater Bay Area*** Enjoy 2021 Medical Insurance Domestic Medical Coverage is relatively comprehensive
Taiping Guangdong-Hong Kong-Macao Greater Bay Area*** Enjoy The 2021 medical insurance provides domestic medical insurance with four responsibilities: inpatient medical care, specific outpatient and emergency medical care, outpatient surgical medical care, and outpatient and emergency medical care for 7 days before and after hospitalization. This medical insurance provides us with relatively comprehensive protection, including outpatient and emergency medical treatment. , surgery and hospitalization.
Highlight 2: Taiping Guangdong-Hong Kong-Macao Greater Bay Area ***Enjoy 2021 Medical Insurance provides overseas medical protection
Taiping Guangdong-Hong Kong-Macao Greater Bay Area ***Enjoy 2021 Medical Insurance Protection Content Covers overseas medical insurance, and Hong Kong and Macau are also covered areas. Suppose
If the insured is diagnosed with a disease overseas, as long as it is the first time and the claim conditions are met, the insured will receive the due compensation. According to this, Taiping Guangdong-Hong Kong-Macao Greater Bay Area *** 2021 medical insurance is still great, but is this actually the case?
The senior student carefully browsed the terms of this product and discovered the following disadvantages:
Mao Trick 1: Taiping Guangdong-Hong Kong-Macao Greater Bay Area ***Xiang 2021 medical insurance renewal conditions are general
Taiping Guangdong-Hong Kong-Macao Greater Bay Area ***Xiang 2021 medical insurance is a short-term medical insurance with a very short policy period of only one year. .
We understand that the underwriting conditions of general medical insurance are very strict, especially for those who are middle-aged and elderly or have pre-existing diseases.
If the insured suffers from any physical problems or the product is discontinued, it is usually not possible to continue to insure this product. In this case, we can only re-order a suitable one among many medical insurances. Then when we choose, we will not get the corresponding protection!
I recommend you read this article analyzing medical insurance renewal:
How to renew medical insurance and what should you pay attention to? One article analysis!
Mao Trick 2: Taiping Guangdong-Hong Kong-Macao Greater Bay Area ***Enjoy 2021 Medical Insurance has a narrow scope of domestic medical treatment
Taiping Guangdong-Hong Kong-Macao Greater Bay Area ***Enjoy 2021 Medical Insurance Contract The guaranteed treatment locations only include the three domestic regions of Beijing, Shanghai, and Guangdong Province and the two regions of Hong Kong and Macau.
The scope of the hospital is also specified: the medical institutions in Guangdong Province are the general departments of public hospitals of national second level or above; the medical institutions in Beijing are the general departments of the 48 hospitals specified in the contract; the medical institutions in Shanghai are the general departments The medical institutions are the general department of the 39-year-old hospital and the Shanghai Proton and Heavy Ion Hospital stipulated in the contract.
It seems that in China, the scope of medical treatment provided by Taiping Guangdong-Hong Kong-Macao Greater Bay Area Insurance in 2021 is limited, which is indeed not very friendly to consumers.
Mao Trick 3: Taiping Guangdong-Hong Kong-Macao Greater Bay Area*** enjoys 2021 medical insurance overseas medical coverage for narrow diseases
After carefully reading the terms, the senior sister discovered that the insured was diagnosed for the first time If you suffer from a disease and need to receive "medical treatment" stipulated in this contract, and meet the standards for compensation, you can obtain compensation according to the standards!
The "medical treatment" mentioned above mainly includes severe treatment of malignant tumors, coronary artery bypass grafting (or coronary artery bypass grafting), heart valve surgery, major organ transplantation or hematopoiesis There are 6 types of critical illness including stem cell transplantation, neurosurgery, aortic surgery, etc. In this way, the medical insurance of Taiping Guangdong-Hong Kong-Macao Greater Bay Area Exclusive 2021 Medical Insurance is only enough to cover 6 types of critical illness. The prerequisite for obtaining a claim is To comply with the treatment methods stipulated in this contract, this harsh operation is really difficult to satisfy!
(2) Is Taiping Guangdong-Hong Kong-Macao Greater Bay Area ***Enjoy 2021 medical insurance worth buying?
Generally speaking, Taiping Guangdong-Hong Kong-Macao Greater Bay Area ***Enjoy 2021 medical insurance The protection is not very strong and there is no obvious advantage. If you want to add a layer of protection when working in Hong Kong and Macau, you may consider purchasing this medical insurance.
Of course, there are many high-quality medical insurance products on the market. Friends who want to know more about it can just read this article:
Super comprehensive! Comparison table of popular domestic multi-million medical insurances
Written at the end
I am a top scholar in insurance, focusing on objective, professional and neutral insurance evaluation;
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