If you accidentally get sick, it usually costs a lot of money to go to the hospital for treatment, which also bothers many small partners. At this time, millions of medical insurance are needed to play a role.
Who doesn't like millions of insurance as long as you pay one or two hundred premiums?
Speaking of this, today Xue Xuejie also brought a million medical insurance products with high cost performance, that is, Taikang Health enjoys 202 1 medical insurance.
What are the characteristics of this product? Let's take a look together ~
If you don't understand the full text, you can also read this article:
Taikang's "Enjoy Health 202 1" is coming, but some shortcomings still need to be understood as soon as possible! 》
Ok, the next senior will give you an evaluation!
First analyze the advantages and disadvantages of healthy enjoyment of 202 1.
Is it cost-effective to buy health-specific 202 1? We can look at its advantages and disadvantages, but let's take a look at its specific protection map first:
Senior students have tested the advantages and disadvantages of 202 1 health enjoyment, and the following is an in-depth analysis:
Enjoy the advantages of health 202 1:
The uniqueness of Jianxiang 202 1 lies in its four protection plans. Each protection plan has different insurance limits, which can accurately pay customers' expectations, and the maximum insurance amount can reach 8 million, which is extremely applicable.
In addition, Health Privilege 202 1 is a medical insurance that guarantees renewal for 20 years, and it is the longest one in the medical market at present, which is really fascinating.
Up to now, do many people think that it is good to enjoy health at 202 1? Senior sister should stand up and stop you. Please think twice before you do, and see clearly the shortcomings of this product!
Disadvantages of health enjoyment 202 1:
1, proton-free heavy ion protection
Here, senior sister tells you some common sense: proton heavy ion is the best technology to treat cancer at present, but the number of hospitals with proton heavy ion technology in China is very scarce, which leads to high treatment costs.
If the medical insurance focuses on proton heavy ion insurance, and the higher the reimbursement ratio, the better, it will make people very happy ~
The health protection and enjoyment of proton heavy ion, 202 1, is not covered. Compared with those cancer patients, it is not a good thing. Senior sister is speechless. ......
Deductible is very tricky.
First of all, because medical insurance belongs to reimbursement insurance, if you want to reimburse the expenses incurred in the hospital, you must first deduct a certain deductible.
The so-called deductible is the amount exempted from liability, which means that the insurance company will not reimburse you for this amount.
If you want to know more about the deductible, you can read this article:
What exactly does deductible mean? Is the less deductible the better for you? 》
Let's discuss the fourth plan of healthy enjoyment 202 1. For the deductible, there is only 20 thousand.
They are all of the same type of critical illness insurance, but compared with those with deductibles of 65,438+0, we can see that health benefits of 202,654,38+0 are not as generous as other insurance, and they are very stingy, so 10,000 yuan will be saved!
The content evaluation of Health Privilege 202 1 has been completed, and it has come to an end temporarily. Next, let's talk about the most important content. Senior teaches you her insurance skills!
Second, healthy enjoyment 202 1 Is it worth buying? The key is to look at this
Generally speaking, in terms of cost performance, Taikang Health Exclusive 202 1 is slightly inferior and needs to be improved. Although we have many kinds of protection plans to choose from, and the protection of 20-year renewal is one of the characteristics of this protection plan, we should pay more attention to the details when choosing, and the premium for each renewal may be different!
In addition, there are other unreasonable places, such as: the protection of proton heavy ions is not provided, and the deductible is unreasonable.
Senior sister suggested that friends can look at the products of other insurance companies and compare them!
The best way to buy medical insurance is to shop around. For example, this comparison table was compiled by my senior sister and given to you. Remember to collect it if necessary:
"All right! Millions of popular medical insurance in China has just been released.
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I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
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