TaiPing SuperE Medical Insurance and Critical Illness Insurance are different in terms of the type of claims and the problems they solve.
1. Different reimbursement types
Critical illness claims are paid; medical insurance claims are reimbursed.
2. Different problems solved
Critical illness solves the problem of loss of income, which can bring in a sum of emergency cash. Whereas medical insurance reimburses our medical expenses. Medical insurance is not as certain as critical illness insurance.
Critical illness cover:?
If the insured first suffers from the thirty-five major illnesses agreed in the contract, a major illness insurance benefit will be paid according to the insurance amount stated in the policy.
Women's Disease Coverage:?
Women's Disease Benefit will be paid according to the insurance amount stated in the policy if the insured person suffers from female malignant tumor and cancer as agreed in the contract for the first time. If the insured person undergoes total mastectomy and hysterectomy, a specific surgical medical benefit equal to 10% of the sum insured will also be payable.
Expanded Information:
Related Provisions of the Taiping Super ePolicy 2018 Medical Insurance Terms and Conditions
1 The insurance amount
The annual limit of general medical treatment, the annual limit of malignant tumor medical treatment, and the daily amount of malignant tumor hospitalization allowance corresponding to the benefits provided by this contract are set out in the Table of Benefits of this contract (see the attached table), and the annual limit of malignant tumor hospitalization allowance = 200 days x the daily amount of malignant tumor hospitalization allowance. The sum insured of this contract is equal to the sum of the annual limit of general medical treatment, the annual limit of malignant tumor medical treatment and the annual limit of malignant tumor hospitalization allowance.
2. Waiting period
There is a waiting period of 30 days from zero hour of the effective date of this contract, and there is no waiting period for renewal. If the insured person suffers from an illness during the waiting period, we will cover the medical expenses caused by the illness, regardless of whether the illness occurs during the waiting period or not.
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