Banking Life has now created a new product specifically for malignant tumors - Drug Peace of Mind Specific Drug Expense Medical Insurance. They say that drug peace of mind this medical insurance can reimburse the cost of oncology drugs, can reduce the financial pressure of many cancer patients, school sister this to see if it is really so good.
If you don't have time to read the review, you can bookmark this article and check it out later:What is CBI Kanglian Life Insurance Company's MediPharma Medical Insurance like?
I. What is the coverage of CBI Life's MediShield Medical Insurance for Specific Drug Expenses?
Following the old example, the guys first browse through the drug peace of mind medical insurance coverage chart:
Pharmaceutical peace of mind coverage is relatively simple and straightforward, the main coverage is to provide reimbursement to consumers in the cost of medicines for specific malignant tumors, the highlights are really not much:
1.? The basic coverage is moderate
Pharmaceutical peace of mind is limited to 13 types of malignant tumors and 25 types of drugs in the catalog, as well as 6 types of drugs outside the catalog, which is more common nowadays for cancer special drug medical insurance coverage.
As for the sum insured, it is only $1 million, which is at the lower end of the scale in the market today.
Better cancer specialty drug medical insurance, such as Yokohama MediSafe, can insure up to 3 million, and there is also a basic version of 1 million, which allows for a lot of flexibility.
You may want to check out the advantages and disadvantages of Hengqin Drugs compared to PillBuilder, but if you want to know more about the advantages and disadvantages of Hengqin Drugs, check out the link below:I don't want to buy Hengqin Drugs after seeing its disadvantages
2. The most important thing to remember is that the medical insurance policy has a two-year term, and some have a three-year term, but this one only has a one-year term. This is a shorter period of time than other similar insurance policies.
From the point of view of the characteristics of cancer, it is also quite humane for some special medical insurance to set the dosage period of 2-3 years: cancer is difficult to be treated at once, and it may be repeated, and the treatment line is relatively long.
After surgery, there is still a long observation period to go through, and you may face the risk of recurrence, new development, metastasis and so on, which is quite an ordeal.
And cancer drugs are expensive! Before the very hot "I am not the God of medicine" we should all remember, tens of thousands of dollars to buy a bottle of drugs, once eaten for several years, the amount of expenditure is unimaginably large.
So, the 1-year medication period is not really a guarantee for how long, and the cost of medication afterward is even more of a headache, and there's still a lot of room for improvement in terms of the length of time the medication lasts.
Two: Is CB Life MediShield medical insurance worth buying for specific drug costs?
Pharmaceutical peace of mind specific drug medical insurance is not very bad in terms of coverage content, but compared with the very good special drug medical insurance on the market now, it can only be said to be very ordinary.
In terms of coverage, scope of coverage and duration of medication, none of these three aspects are very good, so whether or not BOCOM Life Pharmacy Medical Insurance is a good insurance policy depends on your own situation.
It is recommended that if you are a healthy person, you should choose a product that offers comprehensive coverage in a medical insurance policy, with the exception of special drug coverage, such as hospitalization or medical services, which can also be chosen to fully meet the needs of the public.
Millions of medical insurance, the sister carefully selected some, see buy is to earn! Poke link to understand: comparison of the top ten million medical insurance, who is the winner!
If it is the physical condition is not so good, but also appeared to buy the preferred million medical insurance situation, then for these people can also choose the drug peace of mind special medical insurance, after all, it is better than nothing.
However, there is never a shortage of good specialty medical insurance policies on the market, so you can compare them from different perspectives and choose one that better meets your needs and situation.
Written in the end
I am the school bully said insurance, focusing on objective, professional, neutral insurance assessment;
If the above content has not solved your problem, you can also come to the public number of the school bully said insurance consulting me;
I will be years of experience for 10W + family configuration insurance, give you the the most professional advice.
Public number: the school bully said insurance spend less money, buy the right insurance!