A few days ago, Taiping Life announced a new proton heavy ion medical insurance, which is called Quality Assurance 221 proton heavy ion medical insurance. The 19-year-old version was also priced at 9.9 yuan, and the reimbursement of 3 million yuan occupied the market.
So, is this product guaranteed to be excellent or not? Will it suffer from the start?
for more details about this product, you can also read this article!
want to buy Taiping life quality assurance 221 medical insurance? Don't be fooled! I don't know yet!
1. How does Taiping Anxin 221 proton heavy ion medical insurance cover?
Our essence picture goes first:
As can be seen from the above picture, this insurance covers proton heavy ions, which is not available for general medical care and serious illness medical care. Let's analyze the protection of this product in detail!
1.? Proton heavy ion protection is more comprehensive
Let me introduce what proton graviton is: proton heavy ion radiotherapy refers to the radiotherapy of malignant tumors with proton and heavy ion technology, which is recognized as the top "cancer treatment weapon" in the world. This technology has less damage when it passes through normal tissues, but focuses all the rays on the cancer block, which minimizes the damage to the human body and maximizes the effect of treating cancer.
In p>216, the number of Japanese patients who went to China for cancer treatment increased rapidly. The number of medical personnel going to Japan is five times that of 215, and more than 5, people go abroad for medical treatment. China's medical market is increasingly favored by Japanese people. Happily, compared with China, the technology is more mature, and the price is far lower than that of China's cancer proton heavy ion medical treatment.
In the past few years, the World Health Organization (WHO) has made a comparison of medical standards all over the world, and Japan has been the first every year in these years; The number and technical level of special facilities for proton and heavy ion therapy in Japan are excellent, so people often go to Japan for treatment of diseases such as cancer.
According to the analysis of relevant industries, the number of proton heavy ion therapy equipment in China is not large, and it lacks treatment experience. Compared with proton heavy ion therapy in other countries, there is still a big gap, which is mainly manifested in the following two aspects:
On the one hand, the number of institutions and actual cases treated by proton heavy ion technology in China is relatively small, which makes the relevant medical staff in proton heavy ion center in China have little experience.
On the other hand, now we find that the performance of proton heavy ion centers in China is still limited in all aspects, and we still want to treat some patients with early or single lesions as much as possible, and almost no patients with lung cancer in the middle and late stages are treated.
At present, quite a few medical insurances only include domestic proton heavy ion medical insurance, and the compensation amount is only 1 million. Let's take a look at this quality assurance 221 proton heavy ion medical insurance product, which not only has 1% compensation ratio for proton heavy ions in specific hospitals in China, but also has 1% compensation ratio guarantee for 21 specific proton heavy ion medical institutions in Japan.
if you compare proton heavy ion technology with better heartbeat, most medical insurance on the market can hardly meet this demand, and this Taiping Anxin 221 proton heavy ion medical insurance can provide the most comprehensive protection to the greatest extent.
2.? Poor renewal conditions
The renewal conditions of this Taiping Anxin 221 proton heavy ion are quite poor. As for renewal, it is uncertain. If this wealth management product is no longer sold, or the insured is no longer allowed to re-insure after reaching the age of 6, its renewal conditions are even worse than other medical insurance on the market that cannot guarantee renewal but can last up to 1 years. Therefore, you can't expect this insurance to bring you long-term benefits.
You need to know the renewal conditions in advance. This article talks about a lot of details to avoid you. into the pit:
What should I pay attention to when renewing medical insurance? An analysis!
Second, is Taiping Anxin 221 proton heavy ion medical insurance worth buying?
To sum up and analyze, Taiping Anxin 221 proton heavy ion medical insurance only covers proton heavy ions, so senior sister doesn't recommend this product as the only medical insurance, but it can be a supplementary insurance for comprehensive million medical insurance.
Especially under the special circumstances that the global epidemic has not been solved this year, going abroad for treatment is inherently risky, so don't even think about going to Japan to treat diseases.
Therefore, at this stage, Senior Sister doesn't recommend you to buy this medical insurance. The excellent one-million medical insurance has the functions of comprehensive protection and practical value-added service, which deserves more attention.
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