1.？ Insurance rules: guarantee long renewal time and long waiting period.
The insurance age is limited to 30 days after birth to 55 years old, and the guarantee period is 1 year, but the insurance is guaranteed to be renewed for 20 years. This guarantee renewal period is relatively long in similar products.
After insurance, you don't need to worry about stopping the product within 20 years, and you don't need to be afraid of being refused insurance because of historical claims or changes in health status. However, the waiting period of this product is also relatively long, with 90 days, while the waiting period of mainstream medical insurance is generally 30 days.
Although the waiting period is longer than that of ordinary products, it is understandable. After all, the warranty renewal period of this product is long, and the long waiting period can reduce the risk of claims and ensure the stability of the product to some extent.
Taikangtai's medical insurance coverage is relatively loose, and it can be insured except for high-risk occupations.
2.？ Security content: comprehensive security and subsidies.
Taikangtai medical insurance covers specific diseases and non-specific diseases. Among them, for specific disease protection 120 diseases, the amount of protection is 4 million yuan, and the compensation is zero. There is also a hospitalization allowance for specific diseases 100 yuan/day.
However, it should be noted that this hospitalization allowance can be paid at most 180 days per year, and the cumulative renewal period shall not exceed 360 days. Taikang Tai's annual medical insurance coverage for non-specific diseases is 2 million yuan, with a threshold of 1 1,000 yuan.
These two guarantees include hospitalization, special outpatient service and emergency medical care before and after hospitalization.
Generally speaking, Taikang Tai's medical insurance has a long renewal period and comprehensive basic protection, so this product is still worth buying.