This year, the much-anticipated Pacific Life Insurance still continues to launch the Taiping Guangdong, Hong Kong, Macao and Greater Bay Area *** Enjoy 2021 Medical Insurance, so what are the details of this multi-million-dollar medical insurance policy, and what exactly is the scope of coverage? Will you lose out if you buy it? You can find out by looking down below!
First, we recommend that you take a look at this article to familiarize yourself with Taiping Life Insurance Company:
What about Taiping Life? In terms of the content, it is also a little different from the ordinary million medical insurance on the market, the two major sections of the medical expenses insurance benefit and foreign expenses insurance benefit constitute our current million medical insurance benefit, the specific protection of this part of the contents of the good job? Let's analyze in detail:
Highlight 1: Taiping Guangdong, Hong Kong, Macao and Greater Bay Area ****Hang 2021 Medical Insurance Domestic medical coverage is relatively comprehensive
TaiPing Guangdong, Hong Kong, Macao and Greater Bay Area ****Hang 2021 Medical Insurance provides in domestic medical coverage for inpatient hospitalization medical care, specific outpatient and emergency medical care, outpatient surgical medical care, and 30 days of outpatient and emergency medical care prior to and after the hospitalization. The four responsibilities of 30-day outpatient and emergency medical care cover outpatient and emergency visits, surgery and hospitalization, so the coverage is still relatively comprehensive.
Highlight 2: Taiping Guangdong, Hong Kong and Macau ****Enjoy 2021 Medical Insurance provides overseas medical coverage
TaiPing Guangdong, Hong Kong and Macau ****Enjoy 2021 Medical Insurance provides overseas medical coverage, and Macau and Hong Kong are also included in the coverage area of the insurance. If the insured person meets the claim requirements, he or she will be able to receive the corresponding claim amount when the illness is first diagnosed outside the country.
According to this, the Taiping Guangdong, Hong Kong and Macao Greater Bay Area ****Enjoy 2021 Medical Insurance is still great, but is it really so? After studying the terms and conditions of the product, I found a few things that are not true:
Cat 1: Tai Ping Guangdong, Hong Kong, Macau and Greater Bay Area ****Hang 2021 Medical Insurance Renewal Condition
Tai Ping Guangdong, Hong Kong, Macau and Greater Bay Area ****Hang 2021 Medical Insurance is a short-term medical insurance policy that lasts for only 1 year.
We understand that the underwriting conditions of medical insurance in general seem to be very strict after comparison, especially for those who are middle-aged or elderly, or those who have already had previous illnesses. If the insured person has some health problems or the product is discontinued, it is usually not possible to continue with the product. If this happens, you will have to choose a new health insurance policy that matches your condition, and then you won't be able to get the coverage you need during the interim period!
On that note, the Taiping GDHZ***Enjoy 2021 medical insurance with no guarantee of renewal is also terrible. Here are the details of medical renewal, poke and prod for a sneak peek:
How to renew your medical insurance and what to pay attention to? An article breaks it down!
Catty 2: Tai Ping Guangdong, Hong Kong and Macau Greater Bay Area ****Enjoy 2021 Medical Insurance has a narrow scope of medical treatment within the country
Tai Ping Guangdong, Hong Kong and Macau Greater Bay Area ****Enjoy 2021 Medical Insurance has a specific description of the location of the treatment covered in this contract only includes Beijing City, Shanghai Municipality, Guangdong Province, which are within the country, and Hong Kong and Macau, which are outside the country. areas, and two overseas areas, Hong Kong and Macau.
Then, the range of hospitals is also very much bound: in Guangdong Province, the medical institutions are the general departments of public hospitals of national level 2 or above; in Beijing, the medical institutions are the general departments of the 48 hospitals stipulated in the contract; and in Shanghai, the medical institutions are the general departments of the 39 hospitals stipulated in the contract and the Shanghai Proton Heavy Ion Hospital.
So it seems that the scope of medical treatment within the territory of Taiping Guangdong, Hong Kong and Macau **** Enjoy 2021 Medical Insurance is quite narrow, which is really not too friendly to consumers.
Cat 3: Taiping Guangdong, Hong Kong, Macao and Greater Bay Area **** enjoy 2021 medical insurance overseas medical coverage disease narrow
Perusing the terms and conditions of the study, I found that the first time the insured person was diagnosed with the disease need to accept the contract provisions of the "medical treatment", this is called overseas medical coverage, the standard of the claim is to judge whether the standard can be compensated for!
The "medical treatment" expressed earlier mainly includes malignant tumors - severe treatment, coronary artery bypass grafting (or coronary artery bypass grafting), heart valve surgery, major organ transplantation or hematopoietic stem cell transplantation, neurosurgery, aortic surgery, and other six kinds of serious illnesses.
In other words, in terms of overseas medical coverage, this Taiping Guangdong, Hong Kong, Macao and Greater Bay Area ****Hang 2021 medical insurance policy can afford to cover 6 types of critical illnesses, and also comply with the treatment stipulated in this contract in order to get the claim, which is too strict an operation and hard to fulfill!
(2) Is Taiping Guangdong, Hong Kong, Macao and Greater Bay Area ****Hang 2021 Medical Insurance worth getting
In summary, this Taiping Guangdong, Hong Kong, Macao and Greater Bay Area ****Hang 2021 Medical Insurance is not excellent in terms of coverage, and does not have any advantage over other million-dollar medical insurance products in the market.
If you want to add a coverage even when you are working in Hong Kong and Macau, you can try this medical insurance. Of course, there are many other quality medical insurance products available on the market, so if you want to know what they are, you can read this:
Super Complete! Comparison table of domestic popular million medical insurance
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