Taiping Hainan Free Trade Port Global Specialty Drugs 2021, a subsidiary of Taiping Life Insurance, has attracted a lot of people’s attention. This product is specially used to reimburse anti-cancer drugs that are not on the domestic market or are beyond the scope of domestic indications. Next, I will show you the specific guarantee content of this product.

As for how this product performs, let’s take a look before we start:

We must not be unclear about these shortcomings in "Taiping Hainan Free Trade Port Global Specialty Drugs 2021 Medical Insurance" ! 》

1. How is the performance of Taiping Hainan Free Trade Port Global Specialty Drug Medical Insurance in 2021?

Old rules, let’s first understand the product form diagram:

1. Anti-cancer drugs listed overseas

We learned about the Taiping Hainan Free Trade Port The difference between the Global Specialty Drug 2021 medical insurance and other medical drug insurance is that it is very clear in the restrictions on drug types. It only reimburses drugs in the contract catalog, which are basically antibiotics that are marketed outside mainland China and not marketed in mainland China. Cancer drugs.

The good thing is of course that if you really need to use these anti-cancer drugs, you don’t need to go abroad to buy them, which simply solves the problem of purchasing drugs. Because there are relatively more effective anti-cancer drugs on the market abroad, foreign medical investment takes longer and requires more investment. This is true, and there is nothing we can do about it. According to calculations by the National Medical Products Administration: of the new drugs launched in the past 10 years, 76 were launched in China compared with 415 in the United States, Europe and Japan, accounting for less than 20%. Moreover, according to the total of professional consulting organization IQVIA, from 2012 to 2016, 55 anti-cancer drugs were launched for the first time in the world's countries, of which 46 were launched in the United States within two years and only 4 in China. Therefore, even if effective anti-cancer drugs are produced, they may not be immediately available for sale in China. We will have to wait for a long time of more than 3-5 years. However, cancer patients are facing death and time is chasing you. I rushed, and while I was waiting, I didn’t know how many people had not survived the test of time caused by the disease.

The emergence of Taiping Hainan Free Trade Port Global Specialty Drug 2021 Medical Insurance can, for most people, satisfy their needs for purchasing drugs abroad. The 50 special anti-cancer drugs listed in the catalog that are marketed overseas can be reimbursed, so there is no need to worry about buying special anti-cancer drugs abroad, and there is still an epidemic.

2. Direct payment for drug purchase

The value-added service of Taiping Hainan Free Trade Port Global Specialty Drug 2021 medical insurance is very good, which means that if you purchase special effects that meet the requirements at a specified hospital, For anti-cancer drugs, the insurance company can settle the payment directly at the designated hospital. There is no need to pay the cost yourself first and then go to the insurance company to resolve it. This service helps friends who don’t have a lot of money. Prescribing specific medicines requires a lot of expenses. This method can be reimbursed first without having to pay for it out of pocket, which is really good.

3. Many restrictions

Specialists who are not designated hospitals are not allowed to issue drug prescriptions. This means that as long as other drug prescriptions are not within the scope, no matter it is a second-level or Those issued by tertiary hospitals are useless and must be issued by designated hospitals.

In addition to the above requirements, medicines also need to be purchased at designated hospitals. Designated hospitals refer to: Hainan Boao Super Hospital, Boao Evergrande International Hospital, Boao International Hospital and Hainan Provincial People's Hospital Lecheng Campus. It means that it is very inconvenient for friends from other places to go to Hainan to buy medicines.

4. Long waiting period

The waiting period for general medical and drug insurance is 30 days, but the Taiping Hainan Free Trade Port Global Specialty Drug 2021 medical insurance is three times as long as 90 days. It is better to buy insurance with a short waiting period, which is more beneficial to us consumers, because the insurance company will not pay claims during the waiting period.

I won’t say much about the waiting period for insurance. Friends, you can click here to learn more details:

"The insurance company will not issue insurance during the waiting period." compensation? If you don’t understand, you will suffer a loss! 》

2. Is Taiping Hainan Free Trade Port Global Specialty Drug 2021 medical insurance worth buying?

Choose according to your own needs. In fact, the price of Taiping Hainan Free Trade Port Global Specialty Drugs 2021 medical insurance is not too expensive. Specialty drugs listed overseas can also be reimbursed, but they can only be reimbursed. If you think you have a need for the drugs in the contract catalog and need to purchase drugs from outside, you can consider purchasing insurance.

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Written at the end

I am a top scholar who talks about insurance, focusing on objective, professional and neutral insurance evaluation;

If the above content has not been resolved yet For your questions, you can also consult me ??on the official account Xueba Talk Insurance;

I will give you the most professional advice based on my years of experience in configuring insurance for 10W+ families.

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