The Healthy Exclusive 2021 Million Medical Insurance is said to provide great protection. After some evaluation by the senior schoolmates, it is really hard to describe!
In order to facilitate everyone’s understanding, let’s introduce this product below.
Before starting the following text, the senior sister will first send you a guide to preventing medical insurance:
"When encountering these medical insurances, please be careful and careful again!" 》
No more nonsense, let’s start the evaluation directly!
1. What are the protection contents of Health Exclusive 2021 Million Medical Insurance? I have to say the highlight!
Let’s first take a look at the product warranty picture produced by the senior sister here:
To be honest, this product still has some highlights.
For example, the required waiting period is only 30 days. In any case, it is a million-dollar medical insurance. If the comparison object is those products with a 90-day waiting period, the 30-day waiting period is really relatively small.
If an accident occurs during the waiting period, the insurance company will not pay the claim, so the shorter the waiting period, the better. So Taikang Health Exclusive 2021 does a very good job~
Secondly, Taikang Health Exclusive 2021 is a million-dollar medical treatment that can guarantee renewal for 20 years, and can be renewed up to 105 years old. risk.
Everyone is interested in medical insurance with guaranteed renewal. Because the coverage period of million-dollar medical insurance is only one year, this time is relatively short.
But after the guarantee is renewed, we can still apply for underwriting from the insurance company for a long period of time once there is a claim or the product is discontinued. Therefore, renewing the policy for 20 years is really exciting.
But to be honest, there are many products that can guarantee renewal for 20 years. Here are just a few: Ping An e-life insurance, PICC Health Good Medical Insurance, long-term medical insurance, etc.
Therefore, for the type of million-dollar medical insurance, guaranteed renewal can be said to be a highlight of Taikang Health Exclusive 2021; but for today’s million-dollar medical insurance market, this highlight is difficult to achieve It makes people feel bright.
The importance of insurance renewal is obvious, but we must figure out how to do it! The following practice manual can give us great help:
"How to renew medical insurance and what should we pay attention to?" One article analysis! 》
The two highlights introduced above can make people feel that Taikang Health Exclusive 2021 is very different. But the senior sister has seen many products of the same type, so she still sees the flaws.
2. What are the tricks of Healthy Exclusive 2021 Million Medical Insurance? Who can accept it?
What's wrong with it? Let me analyze it now and see what you think:
1. Low cost performance
Although the Health Exclusive 2021 Million Medical Insurance has 4 guaranteed versions, just take the plan First of all, it is the kind of insurance that does not guarantee satisfaction. The premium is already 576 yuan!
However, the premium of nearly 600 yuan was only worth 1 million yuan in insurance coverage. Let’s not discuss other things for now. If you are 30 years old this year, you can still buy long-term medical insurance through Ping An e-life insurance. You only need to pay 294 yuan. You can have an insurance amount of 4 million yuan per year, but the renewal limit is 8 million yuan!
The other thing is that the protection liability of Ping An eLife Insurance includes specific disease medical treatment and general medical insurance, which is basically the same as Taikang Health Exclusive 2021! It can be seen that in terms of cost performance, Ping An e-life insurance has won too much~
Facts speak louder than words. If your pursuit of basic protection is relatively high, I advise you to give up Taikang Health Exclusive 2021.
2. The scope of reimbursement is limited
We can first analyze the scope of reimbursement supported by Taikang Health Exclusive 2021:
In fact, in all millions of medical In insurance, most of the reimbursement scope is set like this, but why does the senior sister say it has "limitations"?
Because the senior sister is looking at the problem from the perspective of our cancer protection.
The most common major disease in our country is cancer. In the health insurance claims data of many insurance companies, cancer is basically the number one culprit in claims.
The best technology for treating cancer is proton heavy ion technology. However, currently, I only know of these 4 companies that support this technology in China, namely the Shanghai Proton and Heavy Ion Hospital, the Proton Therapy Center of Wanjie Cancer Hospital in Zibo, Shandong, and the Linkou Chang Gung Memorial Proton Therapy Center and the Kaohsiung Chang Gung Memorial Proton Therapy Center in Taiwan. .
None of these four institutions directly fall within the reimbursement scope of Taikang Health’s 2021 million-dollar medical insurance. If you want adequate cancer protection, Taikang Health Exclusive 2021 Million Medical Insurance is not suitable for you to buy.
Currently, many million-dollar medical insurances have set up subsidies related to proton and heavy ion therapy, such as E Kangyue, JD Allianz Zhenai Unlimited, etc.
There are still many flaws in the Healthy Exclusive 2021 million-dollar medical insurance. You can learn more about it here:
"Taikang's "Healthy Exclusive 2021" is coming. These shortcomings A must read before buying! 》
Senior summary: After the above analysis, I believe that Taikang Health Exclusive 2021 Million Medical Insurance is less cost-effective, and the scope of reimbursement is also limited, so it is not worth buying.
If you really want to buy an insurance policy, it’s better to compare several companies before making a decision!
Write it at the end
I am a top scholar who talks about insurance, focusing on objective, professional and neutral insurance evaluation;
If the above content has not solved your problem For questions, you can also consult me ??on the official account Xueba Talk Insurance;
I will give you the most professional advice based on my years of experience in configuring insurance for 10W families.
Public account: Top academics say insurance costs less, buy the right insurance!