This year, Taiping Life Insurance launched a variety of medical insurance, such as Taiping Chaoe Insurance 202 1 Medical Insurance and Taiping Chaoe Insurance 202 1 Chronic Disease Medical Insurance! Taiping Chao E Insurance 202 1 Chronic medical insurance is suitable for people with chronic diseases. What are the advantages of this kind of insurance? What are the good and bad places? Is it really worth buying? Let's get to know each other today.
Friends who want to know about Taiping Chao E Bao 202 1 chronic medical insurance quickly can poke this article: Taiping Chao E Bao 202 1 chronic medical insurance has these pits!
To put it simply, the product form diagram of Taiping Chao E Bao 202 1 chronic medical insurance has been sorted out:
Taiping Chao E Insurance 202 1 Chronic Medical Insurance provides general medical insurance, malignant tumor medical insurance and malignant tumor specific drug insurance, which shows that it has a clear responsibility system. What are the positive aspects of this product? Let's analyze it in depth and see:
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.
Before and after hospitalization, it is necessary to go to the emergency department for medical treatment, and it is necessary to have an emergency examination or diagnosis before hospitalization. After discharge, you may go back to the emergency department for re-examination, so the reasonable emergency expenses incurred within the time period stipulated in the contract can be reimbursed!
Most of the millions of medical services in the market are equipped with emergency medical care for 7 days before hospitalization and 30 days after hospitalization, while Taiping Super E Insurance 202 1 Chronic Medical Insurance is relatively prominent, providing emergency medical care for 30 days before and after hospitalization!
For example, Wang Mai Jr. bought a million-dollar medical insurance that only provided emergency medical treatment for 30 days before and after hospitalization, and Xiao Li bought this Taiping Super E-Insurance 202 1 chronic medical insurance that provided emergency medical treatment for 30 days 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 respectively, and it can be found that the reimbursement is indeed greater!
In this regard, Taiping Chao E Bao 202 1 chronic medical insurance is still on the side of consumers!
After calculating the advantages, let's talk about the unfriendly aspects 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 is a product that is only guaranteed for one year without renewal. If the guarantee period expires, if you want to re-insure, you need to re-inspect, which still has certain risks for consumers.
If you want to know more about the renewal of medical insurance, you can read this article: How to renew medical insurance and what should you pay attention to? An analysis!
To be clear, assuming that the insured is in abnormal physical condition, or the product that wants to renew the insurance can no longer be purchased, we can't renew the insurance under normal circumstances. This Taiping Super E-Insurance 202 1 chronic medical insurance does not guarantee renewal, so consumers will not be at ease.
Insufficient point 2: Taiping Chao E Insurance 202 1 Chronic disease medical insurance proton heavy ion medical insurance coverage is low.
Taipingchao E-Insurance 202 1 Chronic disease medical insurance provides malignant tumor medical treatment, with 0 deductible and an annual limit of 2 million yuan, of which proton heavy ion medical expenses are 6,543,800 yuan, which is accumulated in the same policy year.
Here we should focus on proton heavy ion medical treatment.
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, forming an energy peak, thus killing tumor cells. As we all know, proton heavy ions are used to treat malignant tumors and cancers. This treatment method has its advantages, that is, non-invasive, accurate irradiation, low toxic and side effects, and high local tumor control rate. Previous cancer treatment measures are not as good as this, but it will cost you more medical expenses. However, in terms of medical insurance, Taiping Chao E-Bao 202 1 Chronic Disease Edition can reimburse the medical expenses of proton heavy ion 65438+.
There are many high-quality millions of medical insurance in the market, and the amount of proton heavy ion medical expenses that can be reimbursed every year is still very high.
If people with chronic diseases and sub-health want to buy millions of medical insurance, this million medical insurance is more appropriate. If this group of people do not have millions of medical insurance as a guarantee at present, we can consider this Taiping Super E-Insurance 202 1 chronic medical insurance.
If you have a healthy body and want more comprehensive protection, you can look at other million medical insurance products on the market, just like Fosun and Bao Chao 2020 Medical Insurance. The protection is comprehensive and the product is good, because the deductible of this product will be gradually reduced every year, and it is guaranteed to be renewed for six years.
Friends who want to know about this product can poke this article: I said to upgrade beyond Bao 2020, but it let me down!
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.
WeChat official account: Xueba said that insurance costs less, buy the right insurance!