I heard that Taikang Yijiabao Million Medical Insurance not only guarantees a long renewal period, but also has excellent coverage!

Senior sister is here to give you a good evaluation to see if it is really so strong!

Before the official introduction, if you don’t know much about Taikang Life, you can read this article first: "Is Taikang Life Reliable?"

I advise you to be cautious about these products." 1. What does Taikang Yijiabao Million Medical Insurance cover?

What are the pros and cons?

Then let me first share with you the protection chart of Taikang Yijiabao million medical insurance: Taikang Yijiabao million medical insurance protection chart As you can see from the protection chart, Taikang Yijiabao million medical insurance has relatively comprehensive protection content.

The intensity is pretty good too.

Among them, two items, non-malignant tumor medical insurance fund and health management services, are included in the basic protection content.

The non-malignant tumor medical insurance benefits are similar to the common medical expense insurance benefits in general medical insurance. They are divided into inpatient medical expenses, special outpatient medical expenses, and outpatient and emergency medical expenses for 30 days after the first 7 days of hospitalization.

Several major categories, a total of 2 million insurance coverage can be reimbursed in a year.

In addition, Taikang Yijiabao million medical insurance has rich terms, for example, it can add insurance related to malignant tumors.

So what are the advantages and disadvantages of the million-dollar medical insurance Taikang Medical Insurance?

Let’s listen to the senior sister’s comprehensive explanation!

1. Advantages: (1) 20-year guaranteed renewal medical insurance only has a one-year insurance period, so whether it can be guaranteed to be renewed should be carefully considered when buying short-term medical insurance. If the product is not guaranteed to be renewed, remember

Submit an application for renewal to the insurance company before the insurance is terminated. If the product is removed from the shelves, you must go through the insurance application process again.

However, this situation will not happen in Taikang Yijiabao million medical insurance. Taikang Yijiabao million medical insurance is guaranteed to be renewed for 20 years!

Within 20 years, no review is required for renewal after the insurance period expires. So, can the insurance be renewed even after the product has been discontinued? Of course it can!

So whether the optional liability of Taikang Yijiabao million medical insurance and the additional malignant tumor medical insurance can also be guaranteed to be renewed for life, of course it can, so there is no need to worry too much!

Don’t know what to do when renewing your medical insurance?

This article will give you the answer: "How to renew medical insurance and what should you pay attention to?"

One article analysis!

》(2) Insurance funds containing the cost of genetic testing for targeted therapy of malignant tumors can choose to use targeted therapy to treat cancer. However, only after genetic testing is done, the hospital can provide targeted therapy to the patient based on the test results and take the medication.

Suitable targeted drugs.

Because genetic testing is expensive, many patients do not choose targeted cancer treatments.

This Taikang Yijiabao million-dollar medical insurance product has optional liabilities that include out-of-hospital cancer targeted therapy genetic examination cost insurance. If the insured undergoes a malignant tumor targeted therapy genetic examination at a genetic testing institution,

The inspection fees incurred are in compliance with the contract. For such inspection fees, the insurance company can pay a maximum of 30,000 yuan per year.

At present, there are few insurances in the medical market that cover the cost of genetic testing for targeted therapies for malignant tumors, so Taikang Yijiabao million medical insurance is good compared to other medical insurances.

2. Disadvantages: (1) Proton and heavy ion protection is not included in medical insurance. Proton and heavy ion protection is also indispensable, because proton and heavy ion technology is good news for people suffering from cancer. It is a very effective part in cancer radiotherapy.

technology.

The senior sister discovered that proton and heavy ion protection did not appear in the protection content of Taikang Medical Jiabao million medical insurance. It was a pity to have this flaw.

(2) Critical illness medical insurance only covers malignant tumors. The million-dollar medical insurance currently on the market will protect general medical expense insurance, as well as critical illness medical expense insurance. There are 100 types and 120 types of coverage. These

They are all products for serious illnesses.