Disadvantages: poor renewal conditions and lack of protection.
First, Taikang enjoys the advantage of B.
1, the scope of reimbursement is wider, breaking through the social security restrictions: in terms of drug costs, it covers self-funded drugs and imported drugs that cannot be reimbursed by social security in the social security catalogue, as well as organ transplant fees, operation fees, special outpatient services, etc.
2. Low premium and high insurance coverage: the planned annual insurance coverage is 500,000, and the lifetime insurance coverage is 3 million; The planned two-year insurance coverage is 6.5438+0 million, and the lifetime insurance coverage is 5 million. Before the age of 45, the premium was only a few hundred yuan a year.
3. Loose occupational restrictions: 1-6 occupations can be insured.
4. A wide range of hospitals: In Plan II, the reimbursement of affiliated special medical care and international medical expenses has also increased.
5. Short waiting period: The waiting period is only 30 days, which is very short compared with the waiting period of 60-90 days in the market.
Second, Taikang enjoys the shortcomings of B.
1, poor renewal conditions: the first two years need to be reviewed;
2. Insufficient guarantee: we can find that there is no value-added service in this model;
Third, Taikang enjoys B reimbursement of true feelings
case sharing
Mr. Hu, a 33-year-old programmer of an Internet company, decided to buy himself a medical insurance due to work pressure. On the recommendation of a friend, Mr. Hu decided to insure Taikang Health and enjoy Type B medical insurance, with a coverage of 500,000 yuan and a guarantee of 1 year, with an annual premium of 576 yuan. Mr. Hu obtained the following rights and interests:
1 500,000, covering inpatient medical care and special outpatient medical care. Special outpatient medical insurance mainly includes three aspects: malignant tumor, outpatient renal dialysis and outpatient anti-rejection treatment after organ transplantation.
The algorithm of medical insurance premium is: reasonable medical expenses accumulated during the insurance period of insurance contract-deductible-paid medical insurance premium accumulated during the insurance period.
The proportion of so-called reasonable medical expenses in the case shall be determined in the following way:
Reasonable medical expenses incurred in each treatment * payment ratio
2. Mr. Hu can get 1 1,000 yuan for bed and meal compensation every day;
3, outpatient malignant tumor radiotherapy and chemotherapy insurance, if in line with the insurance contract, the highest annual insurance can be 654.38+ 10,000 yuan;
4 outpatient renal dialysis insurance. If Mr. Hu is unfortunately out of danger and has related outpatient renal dialysis projects, he can get up to 65438+ 10,000 outpatient renal dialysis insurance compensation every year.