In order to facilitate everyone's understanding, the following senior sister will introduce this product.
Before starting the following text, senior sister sent a guide to medical insurance:
Please be careful when you encounter these medical insurances! 》
Without further ado, just start the evaluation!
1.202 1 10,000 medical insurance. What are the protection contents? Have to say the highlight!
Let's take a look at the product protection map made by Senior Sister here:
To be honest, this product still has some bright spots.
For example, the waiting period is only 30 days. Anyway, this is a million-dollar medical insurance. If the object of comparison is those products with a waiting period of 90 days, it is really rare to ask for a waiting period of 30 days.
The insurance company won't pay during the waiting period, so the shorter the waiting period, the better. So Taikang enjoys 202 1 health, which is very good ~
Secondly, Taikang Health Enjoy 202 1 is still a million-dollar medical insurance that can be renewed for 20 years, and the highest one can still be renewed until 105 years old.
Everyone is interested in medical insurance with guaranteed renewal. Because the guarantee period of millions of medical insurance is only one year, this time is relatively short.
However, after the renewal of insurance, we can still apply for underwriting in the insurance company for a long time once there is a claim or the product is discontinued. Therefore, it is really exciting to renew the insurance for 20 years.
But to tell the truth, there are many products that can guarantee the renewal of insurance for 20 years, just to name a few: Ping An E life insurance, people's health insurance, good medical insurance and long-term medical care.
Therefore, for the category of million medical insurance, renewal can be said to be a highlight of Taikang Health Enjoy 202 1; For today's million-level medical insurance market, this bright spot is hard to make people feel bright.
The importance of renewal is obvious, but we must figure out how to operate it! The following training manuals can give us good help:
What should I pay attention to when renewing medical insurance? An analysis! 》
The two highlights mentioned above can make people feel that Taikang Health Enjoy 202 1 is very different. But my senior has seen many products of the same type, so I still see the defects.
Second, what's wrong with enjoying 202 1 10,000 medical insurance? Who can accept it?
What's wrong with it? Senior, analyze it and see what you think:
1. Low cost performance
Although there are four versions of health insurance 202 1 10,000 medical insurance, taking the plan as an example, the guarantee cannot guarantee satisfaction, and the premium is already 576 yuan!
However, the premium in 600 yuan is only 1 10,000. Let's not discuss the rest. If you are 30 years old this year, it is still ok to take out Ping An E growth period medical insurance, and you can pay 294 yuan. You can have an annual coverage of 4 million, but the renewal limit is 8 million!
The other is that the protection responsibility of Ping An E life insurance includes specific disease medical insurance and general medical insurance, which is basically no different from Taikang's healthy enjoyment of 202 1! It can be seen that in terms of cost performance, Ping An E Life has won too much ~
Facts speak plainer than words. If the pursuit of basic security is high, senior sister advises you to give up Taikang health and enjoy 202 1.
2. The scope of reimbursement is limited.
Regarding the reimbursement scope of Taikang Health Exclusive Support 202 1, you can analyze it first:
In fact, in all the millions of medical insurance, most of the reimbursement scope is set in this way, but the senior sister said that it has "restrictions". Why?
Because the senior looks at the problem from the perspective of our cancer prevention. Cancer is the most common major disease in China, and cancer is basically the first culprit in the data of health insurance claims of many insurance companies.
The best technology to treat cancer is proton heavy ion technology. But at present, I only know the four domestic companies that support this technology, namely Shanghai Proton Heavy Ion Hospital, Zibo Wanjie Cancer Hospital Proton Therapy Center, Taiwan Province Linkou Chang Gung Proton Therapy Center and Kaohsiung Chang Gung Proton Therapy Center.
None of these four institutions directly belongs to the reimbursement scope of Taikang Health 202 1 10,000 medical insurance. If you want an adequate cancer insurance, Taikang Health enjoys 202 1 10,000 medical insurance, which is not suitable for you to buy.
At present, many millions of medical insurance companies have set up subsidies related to proton heavy ion therapy, such as e Kangyue and JD.COM Allianz Treasure Unlimited.
There are many tricks to enjoy the health insurance of 202 1 10,000. You can learn more here:
Taikang's "Enjoy Health 202 1" has hit hard, so be sure to see these shortcomings clearly before buying! 》
Senior Sister's Summary: After the above analysis, Senior Sister thinks that Taikang Health enjoys 202 1 10,000 medical insurance, with low cost performance and limited reimbursement scope, which is not worth buying.
If you really want to protect one, then compare several before you decide!
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
If the above content has not solved your problem, you can also come to the official account of WeChat to learn to bully and say that insurance consulting me;
I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
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