Before learning the formal content, you can look at the comparison between Taiping Medical's peace of mind medical insurance and public medical insurance and explore its details:
Comparison table between Taiping Medical, Anxin Medical Insurance and Volkswagen Million Medical Insurance
1. What is the protection of Taiping Medical Peace of Mind Medical Insurance?
Not much to say, let's first take a look at what the security content of Taiping Medical Peace of Mind Medical Insurance is:
To tell the truth, Senior Sister feels that there are many problems in the security of peace of mind medical insurance of Taiping Medical, and the content of the security is really simple, and its price is not too low.
Taiping Medical's peace of mind medical insurance can barely be said to be an advantage, but its general medical care is zero deductible. Compared with other medical insurance, it is beneficial for us to deduct 10000 deductible after social security reimbursement.
However, this benefit is completely covered up by its shortcomings. Senior sister will focus on analyzing why its protection is thin.
1. Taiping Medical Peace of Mind Medical Insurance has only basic medical responsibilities.
Taiping Medical Anxin Medical Insurance only covers five items, such as doctor's consultation fee, treatment fee, operation fee, medicine fee, examination and laboratory fee and hospitalization miscellaneous fee. Most of these medical insurances will also be covered.
However, like some very special outpatient clinics, if the outpatient and emergency expenses before and after hospitalization, Taiping Medical Insurance is not included. Some people may not know. If someone is ill in hospital and fails the physical examination, it is impossible to say that he will be hospitalized immediately. In most cases, you have to do an outpatient examination, and you have to take medicine for a while before you know whether you want to be hospitalized. Then the cost of outpatient service and emergency service after hospitalization is still the same. After discharge, you basically have to return to the clinic, which will generate a lot of expenses.
However, these procedures are not covered by Taiping Medical Peace of Mind Medical Insurance. In this case, the expenses will naturally not be reimbursed. Generally speaking, the cost of outpatient and emergency services is not particularly high. One of the larger medical expenses includes anti-rejection treatment. Just a few thousand dollars a month to consolidate the medical expenses after transplantation. If there is a big rejection, it is normal to generate tens of thousands of millions of expenses. Therefore, this special clinic is not covered, and consumers are very uncomfortable.
2. The critical illness protection of Taiping Medical Anxin Medical Insurance is general.
From the picture, we know that Taiping Medical's assured critical illness care is accompanied by critical illness allowance. However, in today's market, it is not surprising that medical insurance allocates critical illness allowance.
On the contrary, the common medical insurance for serious illness is gone. At present, in most medical insurance, in addition to the general medical liability, the signed contract only includes the diseases acquired by the patients. At this time, the insured can use the reimbursement amount of general medical liability, and the agreed amount of serious illness insurance can also be taken into account. Usually, like the basic coverage of general medical care, the insured can get double protection of general medical care and 2 million coverage of scheduled serious illness. In fact, there is a certain guarantee that there will be no great medical pressure when a serious illness is discovered.
3. Taiping Medical's peace of mind medical insurance is not guaranteed to be renewed.
Senior sister thinks that the biggest deficiency of Dr. Taiping's peace of mind is that he does not guarantee renewal.
There may be a large number of small partners who don't know much about what renewal can bring us. Health information is still very important for buying medical insurance. If you unfortunately encounter the symptoms specified in the health notice, you will not be able to complete the medical insurance. There is no guarantee of renewal, which implies that we have reviewed this health notice this year, and you must pass the examination of your physical condition by the insurance company before you can apply for insurance next year.
Who can guarantee that their physical condition has always been good and that they will succeed through physical renewal?
If the insured medical insurance products are guaranteed to be renewed, as long as the payment is made within the guaranteed renewal period, the insurance can still be renewed in the case of poor health or suspension of sales. For our consumers, this clause is very applicable ~
To understand how the renewal of medical insurance affects us, please read the following carefully:
What should I pay attention to when renewing medical insurance? An analysis! 》
Second, the price of Taiping Medical Peace of Mind Medical Insurance is not worth buying.
To sum up, I suggest you don't buy this kind of peace of mind medical insurance.
In addition to no deductible, it does not provide sufficient protection and does not guarantee renewal. The most annoying thing is that it is more expensive than other products. Everyone buys medical insurance on the premise of having social security at the age of 30. Some people only need around 300 yuan to buy medical insurance. On the same premise, Taiping Medical needs to spend more than 900 yuan. This price, in the view of senior sister, is a loss.
What are the practical and reliable medical insurance? Senior sisters will sort out the corresponding insurance materials, and when purchasing insurance, they must meet the age requirements to further maximize the benefits:
Ten million medical insurance rankings are freshly released! 》
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