This year, Pacific Life Insurance has launched the Pacific Guangdong, Hong Kong, Macao and Greater Bay Area ****Hang 2021 Medical Insurance for consumers, so how is this multi-million dollar medical insurance, and what is the overall coverage? Specifically how to **** enjoy? Should you order it? Let's take a look!
Before we begin, those who don't know much about Taiping Life Insurance Company can poke this dry goods:
How about Taiping Life?
(1) What about Taiping Guangdong, Hong Kong, Macau and Greater Bay Area ****Hang 2021 Medical Insurance
Without further ado, here is a diagram of the product form of Taiping Guangdong, Hong Kong, Macau and Greater Bay Area ****Hang 2021 Medical Insurance:
Taiping Guangdong, Hong Kong and Macau ****Hang 2021 Medical Insurance has a lot to offer in terms of content. Compared with other multi-million medical insurance also has a slight difference, this multi-million medical insurance is mainly divided into two parts, respectively, the internal medical expense insurance benefit and the overseas medical expense insurance benefit, the specific coverage is excellent or not? Let's take a closer look:
Highlight 1: Taiping Guangdong, Hong Kong, Macao and Greater Bay Area ****Enjoy 2021 Medical Insurance is relatively comprehensive in its domestic medical coverage
Taiping Guangdong, Hong Kong, Macao and Greater Bay Area ****Enjoy 2021 Medical Insurance provides domestic medical coverage for inpatient hospitalization, certain outpatient and emergency medical treatment, outpatient surgical medical treatment, and 30-day emergency medical treatment prior to and after the first seven days of hospitalization. With four liabilities: 30-day outpatient and emergency medical care, this insurance provides relatively comprehensive coverage for outpatient and emergency visits, even surgery, as well as hospitalization.
Highlight 2: Tai Ping Guangdong, Hong Kong and Macau ****Enjoy 2021 Medical Insurance provides overseas medical coverage
Tai Ping Guangdong, Hong Kong and Macau ****Enjoy 2021 Medical Insurance provides overseas medical coverage, and Hong Kong and Macau are also covered. If the insured person meets the claim requirements, he/she can receive compensation from the insurance company for the first time when he/she is diagnosed with an illness outside of Hong Kong.
Looking at it this way, Taiping Guangdong, Hong Kong and Macao Greater Bay Area ****Enjoy 2021 Medical Insurance is still very good, but is it really? I've read the terms and conditions of this product carefully, and I'm surprised to find these bad points:
Catty 1: Tai Ping Guangdong, Hong Kong, Macau, and Greater Bay Area ****Hang 2021 Medical Insurance Renewal Condition General
Tai Ping Guangdong, Hong Kong, and Macau, Greater Bay Area ****Hang 2021 Medical Insurance is a short-term medical insurance, the insurance period can only cover one year. It can only cover you for one year.
We all know that the underwriting requirements for medical insurance are usually stricter, especially for the middle-aged and the elderly, and for people with pre-existing medical conditions. If the insured person has some minor health problems, or if the product is discontinued, the product is usually not allowed to continue.
The only way to deal with this situation is to get another insurance policy that suits your needs, and then you won't be able to get the appropriate coverage for the duration of your choice!
With that in mind, Taiping GDHZ ****Enjoy 2021 Medical Insurance is really not good. For those who want to know more about medical renewals, poke below:
How to renew medical insurance and what to pay attention to? An article breaks it down!
Catty 2: Taiping Guangdong, Hong Kong and Macao Greater Bay Area ****Hang 2021 medical insurance within the narrow scope of medical treatment
Taiping Guangdong, Hong Kong and Macao Greater Bay Area ****Hang 2021 medical insurance has strict provisions, the place of treatment of the contract covers only include the Beijing Municipality, the Shanghai Municipality, the Guangdong Province, which is the three areas within the country, and Hong Kong and Macao, two areas of the country. Beijing, Shanghai and Guangdong Province, and Hong Kong and Macau.
In addition, the scope of hospitals is also more restricted: 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; 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 there are not many aspects of Taiping Guangdong, Hong Kong and Macao Greater Bay Area ****Enjoy 2021 insurance that can be used within the territory, and the experience is too poor for the insured.
Catty 3: The Taiping Guangdong, Hong Kong, Macao and Greater Bay Area **** enjoy 2021 medical insurance overseas medical coverage narrow
After carefully studying the terms and conditions of the study, I found that this is the overseas medical coverage, the requirements of the first time the insured person diagnosed with the disease, and need to accept the contract provisions of the "medical treatment"!
The "medical treatment" mentioned in this article 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, this Taiping Guangdong, Hong Kong and Macao Greater Bay Area ****Enjoy 2021 Medical Insurance policy only covers 6 critical illnesses in terms of overseas medical coverage, and whether or not you can qualify for the treatments stipulated in this contract determines whether or not you can get a claim!
(2) Is it worthwhile to get Taiping Guangdong, Hong Kong, Macau and Greater Bay Area ****Enjoy 2021 Medical Insurance
Overall, this Taiping Guangdong, Hong Kong, Macau and Greater Bay Area ****Enjoy 2021 Medical Insurance does not have a very strong coverage, and does not have any advantage over other multimillion-dollar healthcare insurance products in the market. If you want to add protection to your life while working in Hong Kong and Macau, you can consider getting this medical insurance.
Of course, there are many other quality medical insurance products on the market, and those who want to know what they are can read this:
Super complete! Domestic popular million medical insurance comparison table
Written in the end
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