In order to provide protection for chronic patients, Taiping Life Insurance has specially designed Taiping Super e-Insurance 2021 Chronic Disease Edition Medical Insurance. You can also take out the insurance when you are sick. Those who are in worrying health conditions can consider it! What are the strengths of this insurance? What are the advantages and disadvantages? Is it really that good? Now I will break it down in all aspects.
Before you start, you might as well take a look at the product review of Taiping Super e-Insurance 2021 medical insurance, which is also owned by Taiping Life Insurance, to see what the tricks are:
What exactly does Taiping Super e-Insurance 2021 have? No trap?
It is useless to say more. Here is the product shape diagram of Taiping Chao e-Insurance 2021 Chronic Disease Edition Medical Insurance:
Taiping Chao e-Insurance 2021 Chronic Disease Edition Medical Insurance includes general medical protection, malignant Tumor medical insurance and malignant tumor-specific drug insurance have clear responsibilities. Let’s conduct further analysis to see what advantages this product has:
>>> Taiping Super e-Insurance 2021 Chronic Disease Edition Medical Insurance provides hospitalization Outpatient and emergency medical care in the first 30 days and the next 30 days
Let’s first take a look at what outpatient and emergency medical care is before and after hospitalization?
Outpatient and emergency medical treatment before and after hospitalization literally means that you may need to go to the outpatient and emergency department for examination or diagnosis before hospitalization, and you may return to the outpatient and emergency department for review after discharge. What are the reasonable outpatient and emergency medical services that occur within the time period specified in the contract? All emergency room expenses are reimbursed!
More than half of the million-dollar medical insurance on the market usually comes with 30 outpatient emergency medical services before and after hospitalization, while Taiping Chao e-Bao 2021 Chronic Disease Edition Medical Insurance is relatively outstanding, providing 30 days of outpatient and emergency medical care before and after hospitalization. Medical!
For example, Xiao Wang bought a million-dollar medical insurance that only provides 30 outpatient emergency medical care for 7 days before and after hospitalization, while Xiao Li bought this Taiping Super Insurance that provides outpatient and emergency medical care for 30 days before and after hospitalization. eBao 2021 Chronic Disease Medical Insurance.
If Xiao Wang and Xiao Li are hospitalized for the same disease on the same day, then Xiao Wang can only reimburse reasonable outpatient and emergency expenses related to the disease 7 days before hospitalization and 30 days after hospitalization; and Xiao Li Then you can reimburse reasonable outpatient and emergency expenses related to the disease 30 days before hospitalization and 30 days after hospitalization. From this comparison, you can see that the latter's reimbursement is really quite adequate!
From this point of view, Taiping Chao e-Bao 2021 Chronic Disease Edition Medical Insurance is still consumer-oriented!
This article will lead you to continue to understand the advantages of Taiping Super e-Insurance 2021 Chronic Disease Edition medical insurance: Is Super e-Insurance 2021 (Chronic Disease Edition) good? Be careful with these tricks!
Now that we have talked about the advantages, let’s talk about the unfriendly aspects of this Taiping Super e-Insurance 2021 Chronic Disease Medical Insurance:
Disadvantage 1: Taiping Super e-Insurance 2021 is slow The disease version of the medical insurance does not guarantee renewal
The Taiping Chao e-Bao 2021 chronic disease version of the medical insurance does not guarantee renewal, and it is a product that only covers one year, even if the contract has stipulated that if the protection period expires , if the product is discontinued, it will be unavailable. Therefore, there is a certain risk for consumers.
Friends who want to know more about medical insurance renewal issues can read this article:
How to renew medical insurance and what should you pay attention to? One article analysis!
To put it simply, if the insured has some physical problems or the product is discontinued, under normal circumstances we will not be able to renew the insurance, which means we need to renew it again. It takes time to choose products that suit us. During the gap period, it is impossible for us to get corresponding protection! Looking at it this way, Taiping Chao e-Bao 2021 Chronic Disease Edition Medical Insurance, which does not guarantee renewal, still cannot give consumers a sense of peace of mind.
Shortcomings 2: Taiping Chao e-Insurance 2021 Chronic Disease Edition Medical Insurance Proton Heavy Ion Medical Insurance Amount is low
Taiping Chao e-Insurance 2021 Chronic Disease Edition Medical Insurance provides malignant tumor treatment , 0 deductible, and the annual limit is 2 million yuan. The annual limit for the cumulative proton and heavy ion medical expenses paid in the same policy year is 1 million yuan.
Protons and heavy ions travel at a speed close to the speed of light to form rays, which release only a small amount of energy at the front of the tumor to avoid damage to normal tissue as much as possible, and release a large amount of energy when they reach the tumor site. , forming an energy peak to kill tumor cells.
In an easy-to-understand way, proton and heavy ion therapy is targeted at malignant tumors and cancer. It has the advantages of non-invasiveness, precise irradiation, low toxic and side effects, and high local tumor control rate. It is different from previous treatments. If you compare some of the treatment measures, they will be better, but the price is much higher than before. For proton and heavy ion medical expenses, Taiping Super e-Bao 2021 Chronic Disease Edition can only reimburse up to 1 million per year, and the reimbursement amount Do you feel that it is not enough?
What’s more, there are many better-quality million-dollar medical insurance products on the market. There are many annual reimbursement amounts for proton and heavy ion medical expenses. Zhongan Million Medical Insurance There is an annual limit of 6 million in 2021. This annual limit is used to reimburse the medical expenses of proton and heavy ions (shared with critical illness medical insurance). Compared with this, Taiping Super e-Bao 2021 Chronic Disease Edition Medical Insurance is much lower. Woolen cloth.
If there are no health problems and some people want to get more complete protection, they should consider other million-dollar medical insurance products!
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