Before the official start, you can compare Taiping medical insurance with public medical insurance and explore its details:
China Volkswagen Million Medical Insurance Comparison Table
1. What is the protection of Taiping Medical Peace of Mind Medical Insurance?
Taiping medical treatment Anxin medical insurance
To tell the truth, senior sister thinks that the protection such as Taiping Medical Peace of Mind Medical Insurance is not feasible, and the content of protection is indeed a bit single, and there is not much advantage in price.
The better place of Taiping Medical Anxin Medical Insurance is the zero deductible of general medical care. Compared with other medical insurance, it is beneficial to deduct 10000 deductible after social security reimbursement.
This advantage is masked by its shortcomings. After all, the responsibility for protection is still too thin. Sister Xue will tell you why you are so thin.
1. Taiping Medical Peace of Mind Medical Insurance has only basic medical responsibilities.
Taiping Medical Anxin Medical Insurance only covers five items: doctors' medical expenses, treatment expenses, operation expenses, medicine expenses, examination and laboratory expenses, and hospitalization miscellaneous expenses. , including general medical insurance.
However, like some special outpatient clinics, such as outpatient and emergency expenses before and after hospitalization, Taiping medical insurance is not included. Maybe some people have no idea about this. If a person is ill and hospitalized, it is impossible to let him be hospitalized immediately if he fails the physical examination. Generally speaking, outpatient examination, taking medicine and so on are needed. After a period of treatment, the doctor will determine whether he needs to be admitted to hospital. The same is true for outpatient and emergency services after hospitalization. Under normal circumstances, it is necessary to return to the hospital after a period of time, which will generate a lot of expenses.
However, Taiping Medical's peace of mind medical insurance did not provide protection for these contents, and naturally it could not be reimbursed. Of course, the cost of emergency treatment is not particularly high. The terrible thing is that anti-rejection treatment after organ transplantation needs a lot of money to support it. If the condition after transplantation is better, it will only cost thousands of dollars to consolidate in the later month. If the situation of rejection is very large, it is very common to spend tens of thousands or hundreds of millions in the end. Therefore, this special clinic is not very unfriendly to consumers in terms of coverage.
2. The critical illness protection of Taiping Medical Anxin Medical Insurance is general.
From the picture, we know that Taiping Medical's assured critical illness care is accompanied by critical illness allowance. However, it is not uncommon for medical insurance products on the market to have serious illness allowances.
On the contrary, most medical insurance on the market has critical illness medical insurance, but it doesn't. At present, many medical insurances on the market not only have general medical liability, but if you have a serious illness stipulated in the contract, you can use the reimbursement amount of general medical liability first, and there is also an agreed reimbursement amount for serious illness after use. The basic protection is the same as general medical care. In other words, the general medical insurance amount is 2 million, and there is an agreed guarantee of 2 million for serious illness, so even if you suffer from serious illness, you will not be too worried about medical pressure.
3. Taiping Medical's peace of mind medical insurance is not guaranteed to be renewed.
Senior sister thinks that not renewing the insurance is the most worrying place for Dr. Taiping.
Maybe many friends are not very clear about what renewal can give you. Health notification is a necessary condition for medical insurance. If you have a disease included in the health notice, you are not eligible for medical insurance. Moreover, because there is no guarantee to renew the insurance, the process of health notification and underwriting should be done when renewing the insurance next year.
Ask everyone, who can say that there is no minor problem with the body, and it is no problem to renew the insurance?
However, if the purchased medical insurance products are guaranteed to be renewed, they can be renewed as long as they have made claims during the guaranteed renewal period, are in poor health or stop selling. This is good for my policyholder ~
The following article can clearly tell you the impact of medical insurance renewal on us:
How to renew medical insurance, an analysis! 》
Second, the price of Taiping Medical Peace of Mind Medical Insurance is not worth buying.
To sum up, senior, I don't think this kind of reassuring medical insurance is worth buying.
Apart from no deductible, there are many shortcomings. The guarantee is a bit monotonous, and no renewal is provided. The most important thing is that it is much more expensive than others. Everyone buys medical insurance under the premise of social security at the age of 30, and others can buy a medical insurance for 300 yuan. On the same basis, the cost of peace of mind medical insurance of Taiping Medical will exceed that of 900 yuan. According to this price, senior feels that all kinds of insurance should be quite perfect.
What medical insurance is worth buying? Senior sister has also sorted it out. You can compare the best ones that suit you:
Ten million medical insurance rankings are freshly released! 》
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