Analysis of Advantages and Disadvantages of Taikang Health Privilege C

Taikang Life Insurance has launched a product named Health Exclusive C, which has attracted much attention since it was listed. This insurance product provides the protection of hospitalization medical expenses+special outpatient expenses+outpatient and emergency medical expenses before and after hospitalization. This product can be reimbursed for expenses that cannot be reimbursed by social security such as ICU and outpatient malignant tumor treatment. However, as we all know, there is no perfect product, so what are the disadvantages of Taikang's healthy enjoyment of C? Today, let's take a look at the advantages and disadvantages of Taikang health enjoying C.

First, Taikang Health enjoys the C-segment advantage.

(1) with renewal function.

Although this medical product only has a guarantee period of 1 year, it is different from millions of medical insurance, and promises to renew the insurance, regardless of health status.

(2) Breaking through social security

The advantage of Taikang Health's exclusive access to C is that it is not limited to social security drugs, and there is no need to worry that special outpatient expenses such as ICU, tumor radiotherapy and chemotherapy, organ transplant anti-rejection treatment, and kidney dialysis cannot be reimbursed, so that consumers have no worries at all and promise not to reimburse dead ends.

(3) 3 million for life

This medical insurance is 3 million yuan for life, guaranteed for life, and will not be settled for 3 years. ...

Second, Taikang enjoys the disadvantages of paragraph C.

(1) Deductible 1 ten thousand.

Compared with millions of medical insurance on the market, it has the same disadvantages. In medical insurance, there is a deductible of 6.5438+0 million yuan, which means that consumers need to pay for this 6.5438+0 million yuan.

(2) the premium is not particularly cheap

Taikang Health enjoys the disadvantages of type C insurance, which is also a fatal defect in premium. The same disadvantages as millions of medical insurance, deductible 1 000 yuan. However, taking a 30-year-old man as an example, the insured amount is more than 500 on the basis of social security, and whether it is Allianz Zhenai Medical, Taiping Chao E-insurance or Tencent WeChat micro-medical insurance, it is only around 250 yuan, and the cost performance is not high.

Editor's Note: Judging from the advantages and disadvantages of Taikang Health Enjoying C, the advantage lies in its social security function, social security breakthrough and lifetime guarantee of 3 million. Taikang Health enjoys the obvious disadvantages of C, with a deductible of RMB 1 000, and the premium is not particularly cheap. Compared with millions of medical insurance, the cost performance is not too high.