In the past two years, Taiping Life has responded to the country's Guangdong-Hong Kong-Macao Greater Bay Area construction by launching insurance policies such as Taiping Guangdong-Hong Kong-Macao Greater Bay Area ****Enjoy Medical Insurance and Taiping Guangdong-Hong Kong-Macao Greater Bay Area Whole Life Critical Illness Insurance! This year, Taiping Life Insurance continues to launch Taiping Guangdong, Hong Kong and Macao Greater Bay Area *** Enjoy 2021 Medical Insurance. How about this million medical insurance and what exactly does it cover? What ***Enjoy is ***Enjoy? Is it worth getting? Today we will evaluate the evaluation!
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(a) Taiping Guangdong, Hong Kong and Macao *** enjoy 2021 medical insurance how
Nonsense, see the following school sister organized by the Taiping Guangdong, Hong Kong and Macao *** enjoy 2021 medical insurance product form the most practical diagram:
You can see that Taiping Guangdong, Hong Kong and Macao ** enjoy 2021 medical insurance in the **Hang 2021 medical insurance in the content of the protection and our common million medical insurance is slightly different, we see, this million medical insurance benefit mainly consists of two panels, one of them is the domestic medical expenses insurance benefits, outside the country one is the overseas medical expenses insurance benefits, specific protection of this part of the content do good? We will discuss this in detail:
Highlight 1: Domestic medical coverage is relatively comprehensive
Taiwan Guangdong, Hong Kong and Macao **** enjoy 2021 medical insurance in the domestic medical coverage to provide inpatient medical treatment, specific outpatient medical treatment, outpatient surgical medical treatment, outpatient medical treatment, hospitalization 7 days before and after the 30 days of the outpatient medical treatment, the four responsibilities, this medical insurance This medical insurance covers all aspects of the hospital outpatient emergency, and even can include surgery and hospitalization, the protection has been all very comprehensive.
Highlight 2: Provide overseas medical coverage
Taiwan Guangdong, Hong Kong and Macao Greater Bay Area ****Enjoy 2021 Medical Insurance covers overseas medical coverage, and the coverage area of this insurance also covers Hong Kong and Macao. 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 appropriate amount of compensation.
With this setup, Taiping Guangdong, Hong Kong and Macau ****Enjoy 2021 Medical Insurance is still very good, but is it really that good?
Schoolmates have carefully read through the terms and conditions of the product, and surprisingly found the following bad points:
Catty 1: Renewal conditions
Taiwan Guangdong, Hong Kong, Macao and the Greater Bay Area **** enjoy 2021 medical insurance is a short-term medical insurance policy, the period of time can only be covered for one year .
We understand that the underwriting conditions of general medical insurance are very strict when compared, especially in front of these two groups of people: middle-aged and elderly people, or those with pre-existing medical conditions. If the insured person still has some minor health problems, or the product is no longer sold on the market, it is usually not possible to continue to insure the product. For this situation, then we have to re-order a suitable one among the many health insurance, then take advantage of the gap in the selection, we do not get the appropriate coverage!
To put it another way, short-term, non-renewable, multi-million dollar medical insurance is really not very consumer friendly! On this point alone, the JPH Guangdong, Hong Kong and Macau **** Enjoy 2021 medical insurance with no guarantee of renewal is also too bad, right?
This article on medical renewals is worth a look:
How to renew medical insurance and what to look for? An article that breaks it down!
Catty 2: Narrow scope of medical treatment within the country
Taiwan Taiping Guangdong, Hong Kong and Macao Greater Bay Area ****Hang 2021 medical insurance policy has a detailed write-up that the place of treatment covered by this contract only includes Beijing, Shanghai, Guangdong Province, which are the three domestic regions, and Hong Kong and Macao, which are the two overseas regions.
Moreover, the scope of hospitals also has certain requirements: the medical institutions in Guangdong Province are the general departments of public hospitals of the second level of the country or above; the medical institutions in Beijing are the general departments of the 48 hospitals stipulated in the contract; and the medical institutions in Shanghai City are the general departments of the hospitals of the contract's 39-year-old and the Shanghai Proton Heavy Ion Hospital.
So it seems that the scope of medical treatment within the territory of Taiping Guangdong, Hong Kong and Macao Greater Bay Area *** Enjoy 2021 Medical Insurance is really narrow, this point is not at all for the consideration of the insured.
Catty 3: Overseas Medical Coverage for Narrow Diseases
It looks like Taiping Guangdong, Hong Kong, Macao and Greater Bay Area ****Enjoy 2021 Medical Insurance provides overseas medical coverage, but after studying the terms and conditions carefully, I found out that the overseas medical coverage is a kind of medical treatment, which refers to the first time that the insured person was diagnosed with the disease and needs to accept the provisions of this contract, and meets the criteria for claiming compensation. The first step is to make sure that you have a good understanding of what you're getting into!
The "medical treatment" expressed in the preceding paragraph 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, in terms of medical protection, this Taiping Guangdong, Hong Kong, Macau and the Greater Bay Area **** Enjoy 2021 medical insurance can afford to cover six kinds of critical illnesses, whether or not the treatment stipulated in this contract will determine whether or not to get the claim, this wave of operation is indeed a little bit unsympathetic!
(2) Is Taiping Guangdong, Hong Kong and Macao Greater Bay Area ****Hang 2021 Medical Insurance worth getting
In a nutshell, the coverage of this Taiping Guangdong, Hong Kong and Macao Greater Bay Area ****Hang 2021 Medical Insurance is not very satisfying, and it doesn't have any advantage over other million-dollar medical insurance products in the market. If you choose to work for a long period of time in the Guangdong-Hong Kong-Macao Greater Bay Area, and want to have additional coverage while working in Hong Kong and Macau, you can try this medical insurance.
Of course, many medical insurance products on the market are very high quality, want to know about the understanding of the partners to read this is enough:
Super complete! Domestic popular million medical insurance comparison table
Written in the end
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