1, low premium: Taiping Medical Anxin Medical Insurance has a relatively low premium, which is suitable for consumers with limited budget;
2. Simple insurance: the insurance process is simple and does not require complicated procedures;
3. Exemption from medical examination: there is no need for medical examination when applying for insurance, which simplifies the preparation work before applying for insurance;
4. Low reimbursement rate: Compared with other medical insurance products, Taiping Medical Anxin Medical Insurance has a low reimbursement rate;
5. Limitation of disease types: the types of diseases covered by insurance are limited, and some diseases may not be covered;
6. Hospital restrictions: There may be restrictions on the hospitals you can go to, which may affect the choice of medical treatment.
The product structure of Taiping Medical Anxin Medical Insurance;
1, basic guarantee: covering hospitalization expenses, operation expenses, treatment expenses for specific diseases, etc.
2. Insurance liability: according to different plans, it may include major illness protection, outpatient treatment, drug expenses, etc.
3. Provisions on waiting period: there is usually a certain waiting period, such as 90 days or 180 days, which may be different for specific diseases or conditions;
4. Insurance period: different insurance period options are provided, such as 1 year, 5 years or lifetime guarantee;
5. Renewal policy: define the conditions and rules of renewal, which may include no need for another medical examination and premium adjustment;
6. Payment method: different payment methods can be provided, such as actual fee payment and fixed amount payment;
7. Additional services: It may include value-added services such as health consultation, green medical channel, and health check-up.
To sum up, Taiping Medical Anxin Medical Insurance attracts consumers with limited budget with low premium and simple insurance process, and provides convenience without physical examination. However, its reimbursement rate is low, the types of diseases covered and the choice of hospitals are limited, which may affect the actual use value of insurance and consumer satisfaction.
Legal basis:
People's Republic of China (PRC) insurance law
Article 26
If the applicant fails to tell the truth and the insurer cannot determine the subject matter of insurance, insurance liability or insurance premium rate, the insurer has the right to terminate the contract.