Tai Ping Life has recently launched a new medical insurance policy - Guangdong, Hong Kong and Macao Greater Bay Area ****Hang 2021.
It is said that Guangdong, Hong Kong and Macao Greater Bay Area ****Hang 2021 has good coverage and offers great value for money.
Is Guangdong-Hong Kong-Macao Greater Bay Area **** Enjoy 2021 really that good? You'll find out after reading the schoolgirl's review guys.
Before that, friends can click here to get a quick overview of the coverage details of GDHZ***Enjoy 2021:"If you want to buy JP GDHZ***Enjoy 2021, I advise you to calm down!
(1) What about Taiping Guangdong, Hong Kong, Macao and Greater Bay Area **** Enjoy 2021 Medical Insurance?
Without further ado, let's take a look at Taiping Guangdong, Hong Kong and Macao Greater Bay Area ****Enjoy 2021 Medical Insurance's product diagram:
As shown in the diagram, Taiping Guangdong, Hong Kong and Macao Greater Bay Area ****Enjoy 2021 Medical Insurance's coverage is very different from that of other products of the same kind, with two major sections, namely, the domestic medical expense benefit and the overseas expense benefit. The two main components constitute the Guangdong, Hong Kong and Macao Greater Bay Area **** enjoy 2021's protection responsibility, the specific protection how?
Highlight 1: Taiping Guangdong, Hong Kong, Macau and Greater Bay Area ****Hang 2021 Medical Insurance's domestic medical coverage is relatively comprehensive
Taiping Guangdong, Hong Kong, Macau and Greater Bay Area ****Hang 2021 Medical Insurance provides four types of domestic medical coverage: inpatient medical care, specific outpatient and emergency medical care, outpatient surgical medical care, outpatient emergency medical care for 30 days prior to and after the first 7 days of hospitalization, and outpatient emergency medical care for 30 days after the first 7 days of hospitalization. The four responsibilities of the day outpatient emergency medical care, including outpatient and emergency room visits, surgery and hospitalization, these related coverage is still very comprehensive.
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 covers overseas medical coverage, and Macao and Hong Kong are also included in the coverage area of the insurance. If the insured person is diagnosed for the first time abroad or in Hong Kong or Macau and meets the claim criteria, he or she will be able to receive the corresponding claim payment.
This makes Taiping Guangdong, Hong Kong and Macao Greater Bay Area ****Enjoy 2021 Medical Insurance quite satisfactory, but is it really?
Catty 1: Tai Ping Guangdong, Hong Kong, Macau and Greater Bay Area ****Hang 2021 Medical Insurance Renewal Conditions General
Tai Ping Guangdong, Hong Kong, Macau and Greater Bay Area ****Hang 2021 Medical Insurance is an insurance product that provides short-term medical coverage. It is an insurance product that provides short-term medical coverage for a period of 1 year.
As we all know, the underwriting conditions for medical insurance are relatively strict, especially for those who are middle-aged or elderly or have a history of previous illnesses. If the insured person has some minor health problems or the product has been discontinued, it is usually not possible to continue the insurance. The only way to deal with this situation is to look for alternatives, and then when there is a gap in the selection, the coverage will not be enjoyed!
In other words, a short-term, non-renewable MMP insurance policy is not as consumer-friendly as it could be! From this point of view, the Taiping Guangdong, Hong Kong, Macao and Greater Bay Area ****Enjoy 2021 Medical Insurance with no guarantee of renewal is really a bit out of reach.
To learn more about renewal, you can move here for reference:"How to renew medical insurance? What to pay attention to? An analysis in one article!
Catty 2: Tai Ping Guangdong, Hong Kong, Macau and Greater Bay Area ****Hang 2021 Medical Insurance has a narrow scope of medical treatment within the country
Tai Ping Guangdong, Hong Kong, Macau and Greater Bay Area ****Hang 2021 Medical Insurance has a strict regulation, the location of the medical treatment covered by this contract only includes Beijing, Shanghai, Guangdong Province, the three areas within the country, and the city of Beijing, Shanghai and Guangdong Province. The three areas covered by this contract are Beijing, Shanghai, Guangdong, and Hong Kong and Macau.
And, the scope of hospitals is also limited: 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 hospitals stipulated in the contract and the Shanghai Proton Heavy Ion Hospital.
So it seems that within the country, the scope of medical treatment for Taiping Guangdong, Hong Kong and Macao Greater Bay Area ****Enjoy 2021 Insurance is restricted 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 disease narrow
After carefully reading the terms and conditions of the study, I found that the first time the insured person was diagnosed with a disease need to undergo the contract provisions of the "medical treatment", which is called the overseas medical coverage, to meet the standard of the claim in order to be able to be compensated!
The "medical treatment" referred to here 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 has limited medical coverage outside China, it can only cover 6 types of critical illnesses, and whether or not it meets the treatment stipulated in the contract determines whether or not it can get a claim, which is also too harsh.
(2) Is it worth getting Taiping Guangdong, Hong Kong and Macau **** Enjoy 2021 Medical Insurance?
Overall, this Taiping Guangdong, Hong Kong, Macao and Greater Bay Area ****Enjoy 2021 Medical Insurance policy is relatively average in terms of coverage, and is dwarfed by other multi-million-dollar medical products in the market. Of course, if you often work in several areas within the Guangdong-Hong Kong-Macao Greater Bay Area and would like to add a peace of mind to your protection while working in Hong Kong and Macau, then why not choose this medical insurance.
Schoolmates have compiled a list of the top ten quality million medical insurance, and those who are interested in configuring medical insurance should not miss it:Top Ten Million Dollar Medical Insurance Rankings Freshly Released!
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