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Is Taiaibao Critical Illness Insurance (Extreme Edition) really fully guaranteed and affordable? 》
1. How about Taikang Online Taiaibao Critical Illness Insurance (Extreme Edition)? OK or not?
As usual, let me show you the product form of Taiaibao Critical Illness Insurance (Extreme Edition):
Knowing the above picture, I think everyone is familiar with this product, so I won't go into details. Sister Xue began to analyze it in detail!
1, analysis of insurance conditions
First of all, the age range of Taiaibao's critical illness insurance (Extreme Edition) is stipulated to be 30 days to 65 years old, and it can also cover people of multiple age groups.
Secondly, in terms of coverage period, Thailand Aibo Critical Illness Insurance (Extreme Edition) only provides the option of "one-year coverage".
It also means that after the expiration of the insurance period, the insured must re-insure if he wants to continue to have the protection of Taiaibao critical illness insurance (Extreme Edition).
In fact, renewal will be affected by physical condition, claim history and other factors, so there is no guarantee that it will be renewed smoothly next year.
Then, in terms of payment period, Thailand Aibo Critical Illness Insurance (Extreme Edition) meets wholesale payment and monthly payment, which is relatively flexible.
Finally, the waiting period of Aibo Critical Illness Insurance (Extreme Edition) in Thailand is 90 days. In case the insured is out of danger due to accidental injury during this period, the insurance company refuses to bear the corresponding insurance liability.
2. Security content analysis
Taiaibao's critical illness insurance (Extreme Edition) covers critical illness insurance, cancer-specific drug cost insurance, specific medical device cost insurance and chronic drug cost insurance.
When the insured is unfortunately diagnosed with a serious illness agreed in the contract, he can get a one-time serious illness insurance money from the insurance company to make up for the loss of income and the expenses of the subsequent rehabilitation period.
It is commendable that the responsibility of reimbursement for medical expenses can reimburse some specific drugs and medical devices, which further reduces the economic pressure of the insured and their families.
This can be interpreted as giving the insured double protection and making the insured more confident to insist on treatment.
3. Value-added service analysis
Taiaibao Critical Illness Insurance (Extreme Edition) provides the insured with expert follow-up, clinical trial assistance, charity drug donation project assistance and MDT consulting services, which is favored by senior students.
Space is limited, and senior sister focuses on MDT consulting, that is, multidisciplinary collaborative consulting services.
The purpose of this service is to coordinate the consultation or cooperation of experts from multiple departments, comprehensively evaluate the patient's situation, and thus formulate an effective diagnosis and treatment plan.
For example, the patient has just been diagnosed with gastric cancer, and as the condition worsens, other diseases are also triggered at the same time. Under such circumstances, it is difficult to control his condition only by relying on experts who treat gastric cancer, and he has to rely on experts from various departments to jointly explore new treatment schemes.
For ordinary people, it is difficult for experts in many fields to make an appointment successfully, and this service gives patients the opportunity to achieve this and enjoy a superior medical experience, which is quite powerful!
If you value this aspect, you may wish to know about Versailles plus. Value-added services include overseas multidisciplinary consulting services, overseas medical arrangement services, and Boao characteristic medical services. Wonderful:
"Versailles plus critical illness insurance has returned heavily, and you must look at the in-depth evaluation before buying! 》
2. Is Taikang Online Taiaibao Critical Illness Insurance (Extreme Edition) worth buying?
On the whole, Taiaibao's critical illness insurance (Extreme Edition) is a bit low in cost performance, insufficient in protection, and insufficient in protection for mild and moderate diseases. The protection period is only one year, which cannot cover long-term serious illness risks and is not worth buying.
For friends who are looking for more comprehensive and practical insurance, Senior Sister still suggests comparing other products. Senior sister has arranged a lot of critical illness insurance with great value for money and thick protection. You can choose the best one here:
"Top Ten Hot Critical Illness Insurance Inventory Worth Buying! 》
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!