Before getting into the topic, we can look at the comparison between Taiping medical insurance and public medical insurance and explore its details:
Comparison Table of Taiping Medical Peace of Mind Medical Insurance and Domestic Popular Million Medical Insurance
1. What is the protection of Taiping Medical Peace of Mind Medical Insurance?
Not much to say, let's first take a look at what the security content of Taiping Medical Peace of Mind Medical Insurance is:
Senior sister really thinks that the protection of Taiping medical peace of mind medical insurance is not ideal. The content of the guarantee is relatively small, and the price is not very favorable.
The only advantage of Taiping Medical Anxin Medical Insurance is that the general medical care it contains is zero deductible, which is particularly good compared with those medical insurances that deduct 1 10,000 yuan after social security reimbursement.
This advantage is really good, but it is covered by its shortcomings. After all, the responsibility to protect is really 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 the doctor's medical expenses, treatment expenses, operation expenses, medicine expenses, examination and laboratory expenses, hospitalization miscellaneous expenses, etc. These all cover general medical insurance.
But like those special clinics, such as outpatient and emergency expenses before and after hospitalization, Taiping medical insurance is not included. Some people may not know. For example, it is basically impossible for someone to be hospitalized immediately without checking their physical condition. Basically, it needs outpatient examination. At the same time, the doctor will decide whether to be admitted to the hospital after taking medicine and other treatments for a period of time. Moreover, the outpatient and emergency expenses after hospitalization are the same, especially after discharge, which generally requires a second visit. All these places need money.
However, these procedures are not covered by Taiping Medical Peace of Mind Medical Insurance. In this case, the expenses will naturally not be reimbursed. Outpatient and emergency services are not particularly expensive in the end. However, the cost of anti-rejection treatment after organ transplantation is still very high. For patients who recover well after transplantation, the medical expenses needed in the next month are about several thousand yuan. If you encounter a big rejection, it is common to spend tens of thousands or hundreds of millions. Therefore, this kind of special outpatient service is not within the scope of protection and is not very considerate to consumers.
2. The critical illness protection of Taiping Medical Anxin Medical Insurance is general.
From the picture, we will find that there is a critical illness allowance in Taiping Medical's assured critical illness medical list, but from the medical insurance on the market now, it is not surprising to configure the critical illness allowance.
On the contrary, the common medical insurance for serious illness is gone. At present, in addition to general medical liability, most medical insurance can give full play to the reimbursement amount of general medical liability if they suffer from agreed diseases. At the same time, there is an agreed reimbursement amount for serious illness, which is usually the same as the basic insurance amount for general medical care. In other words, if the general medical insurance coverage is 2 million, there will be 2 million for serious illness. Even if there is medical pressure due to sudden illness, there is no need to worry too much about it.
3. Taiping Medical's peace of mind medical insurance is not guaranteed to be renewed.
Senior sister thinks that the failure to renew the insurance is the biggest shortcoming for Dr. Taiping to feel at ease.
Perhaps most of my friends don't quite understand the benefits of guaranteeing renewal. Health information is still very important for buying medical insurance. If the physical condition causes the disease mentioned in the health notice, it is impossible to apply for medical insurance. Do not provide the description of the guarantee renewal service. After this year's health notification, the insurance company will only allow you to continue to apply for insurance next year if you pass the physical examination.
Ask everyone, who can say that there is no minor problem with the body, and it is no problem to renew the insurance?
If the configured medical insurance products provide the guarantee renewal service, the insurance can be renewed even if the claims have been settled, the health condition is poor or even the sales are stopped. For us consumers, such conditions are really practical ~
If there are still people who don't know the impact of medical insurance renewal, please read the following article:
What should I pay attention to when renewing medical insurance? An analysis! 》
Second, the price of Taiping Medical Peace of Mind Medical Insurance is not worth buying.
According to what Senior Sister said before, Senior Sister actually does not recommend purchasing Taiping medical insurance.
There are indeed many disadvantages in excluding no deductible. Without comprehensive guarantee, renewal cannot be guaranteed, and the price is even higher than others. The same two conditions, one is 30 years old, and the other is that everyone has social security and wants to buy medical insurance. Others can be bought only around 300 yuan. From the premium point of view, Taiping Medical's peace of mind medical insurance is much higher than other insurances, and it needs more than 900 yuan. According to this price, senior feels that all the guarantees of this insurance should be quite perfect.
What medical insurance is worth buying? The seniors and sisters are all equipped, so you can choose the one that suits you better through screening.
Ten million medical insurance rankings are freshly released! 》
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
If the above content has not solved your problem, you can also come to the official account of WeChat to learn to bully and say that insurance consulting me;
I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
WeChat official account: Xueba said that insurance costs less, buy the right insurance!