Are you talking about Taikang exclusive medical B? This is an insurance that guarantees 6,543.8+0,000 critical illness medical care, with a minimum annual payment of 6,543.8+0,000 yuan, which belongs to the same kind of high medical insurance as the exclusive E-Enjoy and Allianz Zhen 'ai Medical Care in the current market. This kind of insurance is characterized by high minimum premium; Taikang exclusive medical care B has the function of guaranteeing renewal, which is its characteristic. However, the premise is that the claim cannot be settled two years before the purchase, and the insurance company has the right to review whether it can be underwritten again after the claim is settled. At the same time, after the claim amount exceeds 500,000, the insurance company does not renew the insurance, but reviews the underwriting. These are the details that need to be paid attention to when buying insurance.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.