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Want to know what's wrong with Taiping's "Medical Worry-Free 202 1"? This article will tell you right away.
First, Taiping Medical Worry-Free 202 1 Safety Analysis
As usual, safety map comes first!
Taiping Medical Worry-Free 202 1 Protection Map
The content of the above picture tells us that this Taiping Medical Worry-Free 202 1 is still different from most millions of medical insurance in the market. It is mainly composed of two aspects, both of which are guaranteed by general medical care and hospitalization allowance for serious illness. It is necessary to know that there is no deductible in these two responsibilities, and its protection content is simpler.
There may be some friends who don't know what medical insurance can protect and reimburse, so don't miss this article:
The most comprehensive medical insurance reimbursement guide is here! 》
It should be noted that the scope of Taiping Medical Worry-Free 202 1 reimbursement hospital is a tertiary public hospital, but more than half of the medical insurance in the market is authorized to a secondary public hospital or above. This product restricts hospitals a little more. Please be sure to understand this problem before you apply for insurance to prevent you from being unable to make normal claims later.
Taiping Medical Worry-Free 202 1 seems to have many shortcomings, so you can look for it patiently!
1. Taiping Medical Worry-Free 202 1 The renewal conditions are poor.
Taiping Medical Worry-Free 202 1 cannot guarantee that the customer can successfully renew the insurance. If you want to renew your insurance, you must apply to the insurance company, and the insurance company will decide whether to buy it for you after examination. Of course, the premise of renewal is that this insurance product is still being sold normally. If the renewal conditions of insurance products are poor, it will be extremely unfavorable to the insured. For example:
Lao Wang insured the medical products of Taiping Medical Worry-Free 202 1 Medical Insurance. In the first year, he fully reimbursed the losses because he met the insurance claim conditions. Lao Wang was very satisfied with the protection of this product for his own interests, so he wanted to continue to insure, and then he asked the insurance company for renewal and provided relevant materials. However, after the insurance company evaluates, they may refuse Lao Wang's application for renewal of insurance for various reasons. Lao Wang also knows that the difficulty of this matter lies in taking out other medical insurance, and the possibility of rejection is great. Because Lao Wang has a claim event or his physical condition can't tell his health, it is difficult to see a doctor afterwards.
Therefore, the medical insurance that can't guarantee renewal is not so friendly to people who are prone to health problems. There are many medical insurance products on the market that are guaranteed to be renewed and have a long life. There are millions of medical insurance products in 6 years and 20 years. Under normal circumstances, these products will not have problems because of the health of the insured or the claims have been settled, and the insurance company will do it unconditionally.
2. Taiping Medical Worry-Free Reimbursement Hospital has a small scope.
Taiping Medical Worry-Free 202 1 The scope of reimbursement hospitals is Class III A public hospitals. {Taiping Medical Worry-Free 2021-1This product has relatively great restrictions on hospitals. }
If there are few tertiary hospitals in some areas, people who buy this insurance want to reimburse medical expenses and need to go to tertiary hospitals farther away, which will bring more trouble to the insured. Therefore, this Taiping Medical Worry-Free 202 1 has not been fully considered in the setting of hospital scope.
Second, the price of Taiping Medical Worry-Free 202 1 is not worth buying.
Generally speaking, the worry-free deductible of Dr. Taiping 202 1 is quite attractive, but the strength and content of protection can not be well supplemented with social medical insurance. In addition, this product does not provide value-added services, which is slightly inferior to the excellent million medical insurance.
Senior sister suggests that you refer to this list compiled by senior sister and choose the one that suits you best according to your actual situation:
Ten million medical insurance rankings are freshly released! 》
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