Taiping Chao E-Insurance 202 1 The main function of chronic medical insurance is reflected in people with chronic diseases. If you are sick, you can also apply for insurance, and people with poor health can get more from it! What are the advantages of this kind of insurance? What are the good and bad places? Is it really worth buying? Now, senior sister will decompose it in all directions.
The following article introduces another product, Taiping Chao e Bao 202 1. If you want to know, you can click here:
Is there anything deceptive about Taiping Chaoe? This article tells you!
So, first of all, take out the product form diagram of Taiping Chao E Insurance 202 1 chronic medical insurance:
Taiping Super E Insurance 202 1 Chronic disease medical insurance includes general medical insurance, malignant tumor medical insurance and malignant tumor specific drug insurance. The responsibility is clear and definite. Let's take a closer look at the advantages of this product:
& gt& gt& gt Taiping Chao E-Insurance 202 1 Chronic disease medical insurance provides emergency medical treatment for 30 days after hospitalization.
Let's take a look at what is outpatient and emergency medical care before and after hospitalization.
The outpatient and emergency department before and after hospitalization literally means that the premise of hospitalization is that you need to go to the outpatient and emergency department for examination or diagnosis, and you may go back to the outpatient and emergency department for re-examination after discharge, so the reasonable outpatient and emergency expenses incurred within the time period stipulated in the contract can be reimbursed!
Most millions of medical services in the market generally provide 30 emergency medical services before and after hospitalization, while Taiping Chao E-insurance 202 1 chronic medical insurance does better, providing 30 emergency medical services before and after hospitalization!
For example, Wang Mai Jr. bought a million medical insurance that only provided 30 emergency treatments before and after hospitalization, and Xiao Li bought this Taiping Super E-Insurance 202 1 chronic medical insurance that provided 30 emergency treatments before and after hospitalization.
If Xiao Wang and Xiao Li are hospitalized on the same day because of the same disease, then Xiao Wang Can will only reimburse the reasonable outpatient and emergency expenses related to the disease 7 days before hospitalization and 30 days after hospitalization; Li Can Jr. reimbursed the reasonable outpatient and emergency expenses related to the disease 30 days before hospitalization and 30 days after hospitalization, so the reimbursement will be even stronger!
It can be seen that Taiping Chao E-Insurance 202 1 Chronic medical insurance is still very humanized!
Friends who want to continue to understand the advantages of Taiping Super E Insurance 202 1 Chronic Medical Insurance can read this article:
Super E-protection 202 1 (chronic disease version) lightning protection guide must be read!
After understanding the advantages, let's take a look at the shortcomings of this Taiping Super E-Insurance 202 1 chronic medical insurance:
Insufficient point 1: Taiping Chao E Insurance 202 1 Chronic medical insurance is not guaranteed to be renewed.
Taiping Chao E-Insurance 202 1 Chronic medical insurance only provides a one-year coverage period and cannot be renewed. According to the contract, if the shelf life expires, the product can not be used after the sale is stopped, which still has certain risks for consumers.
To put it simply, if the insured has some physical problems or this product is discontinued, we can't renew this insurance under normal circumstances, which means we have to take time to re-select a product that suits our own situation, so we can't get the corresponding protection during the gap period! In this way, Taiping Chao E Insurance 202 1 Chronic Medical Insurance, which does not guarantee renewal, still cannot give consumers a sense of peace of mind.
Insufficient point 2: Taiping Chao E Insurance 202 1 Chronic disease medical insurance proton heavy ion medical insurance coverage is low.
Taiping Chao E-Insurance 202 1 Chronic Disease Medical Insurance provides malignant tumor medical treatment with zero deductible, with an annual limit of 2 million yuan, of which 6.5438+0 million yuan is the annual limit of proton heavy ion medical expenses, which is obtained by accumulated claims in the same policy year.
Now proton heavy ion medical treatment is what we should focus on.
Proton heavy ions travel near the speed of light, forming rays. Only a small amount of energy is released at the front of the tumor to avoid damage to normal tissues as much as possible. When they reach the tumor site, they will release a large amount of energy to form an energy peak, thus killing tumor cells.
Generally speaking, proton heavy ion therapy is aimed at malignant tumors and cancers. The advantages of this therapy are non-invasive, accurate irradiation, little damage to human body and high local tumor control rate. This method of treating cancer has more advantages than before, but the price is also much higher. However, in terms of medical insurance, Taiping Super E-Insurance 202 1 Chronic Disease Edition can cover the years of reimbursement for proton heavy ion medical treatment.
And there are many other high-quality million medical insurance products on the market. The expenses generated by proton heavy ion medical treatment can be reimbursed, and the annual limit is very high. Zhongan Million Medical Insurance (202/KLOC-0) with an annual limit of 6 million yuan is used to reimburse proton heavy ion medical expenses (shared with critical illness medical care). Taiping Chao e Bao 202 1 Medical Insurance Chronic Disease Edition.
This million-dollar medical insurance is specially prepared for people with chronic diseases and sub-health. From all aspects, this insurance product is more in line with these two groups of people. If such people don't have millions of medical insurance at present, you can consider this Taiping Super E Insurance 202 1 chronic medical insurance.
If people are healthy and want better protection, there are millions of other medical insurance products on the market. You can find one of them. This Fosun United Transcendence Insurance 2020 medical insurance has comprehensive protection measures, six-year guarantee renewal period, and annual deductible can be reduced every year, which is quite good.
Friends who want to know about this product can poke this:
I agreed to upgrade beyond Bao 2020 in an all-round way, but I was disappointed!
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