Tongfang Global Life C is said to have flexible insurance and comprehensive protection, providing protection for general medical care, special medical care and so on, and providing many additional value-added services, which sounds very good. So is there a hidden pit in this product? Let's take a look ~
Before reading the article, this article will be very helpful. It is not easy to be fooled by buying insurance! Before buying insurance, you must understand these knowledge points!
First, what about the guarantee of lifelong C?
Before buying insurance, let us know its terms and conditions. Considering that everyone doesn't want to waste time, senior sister deliberately refined the key content. Please refer to the product information chart below:
Through the pictures, we can find that as a new medical insurance product, the coverage of Royal Life C is different from other products. Let's learn about the guarantee of life-long C!
1. Flexible and comprehensive protection
Item C of Royal Care Life Insurance includes general medical insurance, special medical insurance, proton heavy ion insurance, and many services such as surgery, hospitalization, emergency services before and after, and special outpatient service. Moreover, Section C of Royal Life Insurance has two protection plans, which consumers can choose freely.
The basic limit and additional compensation limit of scheme 1 are 6.5438+0 million, and the basic limit and additional compensation limit of scheme 2 are 2 million. After the comparison, it will be clear that the second scheme is more secure, and the second scheme is a good choice when the budget is sufficient.
2. Proton heavy ion cost guarantee
Proton heavy ion therapy is currently recognized as the most effective and cutting-edge radiotherapy technology in the world. Because it can kill tumor cells accurately, it has little side effects on normal tissues and painless treatment process, and is known as the cancer nemesis.
Royal Care Life C has set up proton heavy ion fee guarantee, with the maximum guarantee amount of 2 million. If consumers unfortunately get cancer and want to do proton heavy ion technology treatment, they don't have to worry about the problem of no money.
In addition, Shanghai Proton Heavy Ion Hospital, Bolag Proton Treatment Center of Zibo Wanjie Hospital, and Tumor (Proton) Center of Shanghai Ruijin Hospital provide a good treatment foundation for patients.
Generally speaking, even though many medical insurances have proton heavy ion protection, only Shanghai Proton Heavy Ion Hospital is an accredited institution. Now there are three super institutions that can provide us with treatment services, which are more selective and more secure.
But unfortunately, the guarantee of proton heavy ion fees in Royal Life C is only 60%, so the remaining 40% needs to be paid by itself, which is still very stressful for ordinary families.
3. No guarantee of renewal
We all know that medical insurance is mostly one-year insurance, that is to say, if you buy it in the second year, it is uncertain whether you can buy it or not, so buying medical insurance must depend on its renewal conditions.
Medical insurance with excellent renewal conditions will generally have specific provisions on how many years of renewal. For example, if the warranty is renewed for 20 years, consumers can apply for insurance in the next 20 years, without re-underwriting, and there is no waiting period, even if the product is stopped.
On the other hand, if the renewal conditions are not good, if you want to buy this medical insurance in the second year, you will probably refuse it because of your health or past claims. Although you can buy it, you will have to spend more money or lose insurance.
However, Royal Life C is a product that does not guarantee renewal, and the conditions for renewal are not good. Everyone should pay attention when purchasing medical insurance.
There is no deductible for four special diseases.
Although the reimbursement of Royal Life C has a deductible limit of 10000, the insurance company will reimburse it only if the medical expenses exceed 10000.
However, four special diseases of malignant tumor-severe and major organ transplantation or hematopoietic stem cell transplantation, coronary artery bypass grafting (or coronary artery bypass grafting) and malignant tumor-are mild, so there is no deductible.
What is exciting is that if a buyer unfortunately suffers from these four special diseases, he will not have too much pressure to treat them, because the insurance company can reimburse all expenses. In addition, if it is social security settlement, Royal Life C can reimburse all expenses, and we don't have to spend a penny. Doesn't it sound attractive?
Many people may say that there are far more than four special diseases covered by other medical insurance. The advantage of Royal Life C is zero deductible, but there are also some unsatisfactory places, such as covering fewer special diseases. However, it should be noted that Royal Life C has protection for both severe and mild malignant tumors, which is rare in other medical insurance.
If the patient unfortunately suffers from malignant tumor, we can find and treat it as soon as possible in the mild stage. After social security settlement, the reimbursement amount 100% is provided by the insurance company, so patients can feel at ease.
The following article is analyzed from another key point. The purpose is to let everyone know more about this product, and I hope everyone can fully grasp the C-type critical illness insurance of Yuhu for life! Want to buy Tongfang Global Royal Life C? Look at this is enough!
Second, is Type C of Royal Life Care worth buying?
On the whole, as the life-saving C of millions of medical insurance, it takes the form of general medical care+special medical care+proton heavy ions to ensure consumers to resist the economic risks brought by diseases, and it is very excellent in the medical insurance market.
Of course, if we cannot guarantee the renewal of medical insurance, we cannot ignore it. In this article, Senior Sister introduced a lot of medical insurance with good renewal conditions and comprehensive protection. Interested friends can have a look: the latest top ten medical insurance rankings. Come and have a look!
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