But that doesn't mean there is no problem. Let me explain it to you and see what's wrong with it.
Before reading the article, I recommend that you browse this article first, so that you won't be easily cheated:
Before buying insurance, you must first understand these key knowledge points!
First, what about the guarantee of lifelong C?
Please read the terms and conditions of insurance before you buy it. Considering that everyone doesn't want to waste time, senior sister deliberately refined the key content. Please refer to the product information chart below:
Thus, as a new medical insurance product, the coverage of Royal Life C is different from other products. Let's take a look at the C-type guarantee of Royal Nursing Life!
1. Flexible and comprehensive protection
Item C of Royal Care Life Insurance includes: general medical insurance, medical insurance for special diseases, proton heavy ion cost insurance, including surgery, hospitalization, front and back emergency, special outpatient and so on.
There are two types of C protection plans of Royal Life, which meet the diverse needs of consumers. The basic limit and additional compensation limit of scheme 1 are 6.5438+0 million, while the basic limit and additional compensation limit of scheme 2 are 2 million, which is relatively stronger than that of scheme 1. If the budget is sufficient, there will be better security content to choose from.
2. Proton heavy ion cost guarantee
Proton heavy ion therapy is internationally recognized as the most practical and best radiotherapy technology. Because it can kill tumor cells accurately, it has little side effects on normal tissues and painless treatment process, and is known as the cancer nemesis.
Royal Caring for Life C includes proton heavy ion expense guarantee, and the maximum reimbursement amount reaches 2 million. Even if consumers unfortunately suffer from cancer and want to do proton heavy ion technology treatment, they will not be bored because of money.
In addition, Shanghai Proton Heavy Ion Hospital, Bolag Proton Treatment Center of Zibo Wanjie Hospital and Tumor (Proton) Center of Shanghai Ruijin Hospital provide good treatment for patients.
However, it is a pity that only 60% of proton heavy ions are reimbursed by Royal Life C, and the remaining 40% are paid by themselves at this time, which will be heavier for people with average economic conditions.
3. No guarantee of renewal
As we all know, medical insurance is mostly one-year insurance, that is to say, if you buy it the next year, you may not be able to buy it, and you may not be able to buy it at the same price. This requires us to pay attention to the renewal conditions.
The medical insurance metropolis with excellent renewal conditions stipulates how many years consumers can guarantee renewal, such as 20 years. In the next 20 years, consumers can continue to spend, and there is no underwriting and no waiting period. Even if the product stops, you can still buy it.
On the other hand, if the renewal conditions are not good, if you want to buy this medical insurance in the second year, you will probably refuse it because of your health or past claims. Although you can buy it, you will have to spend more money or lose insurance.
Royal Life C is a product that does not guarantee renewal, and the renewal conditions are not good. Please pay attention when buying.
There is no deductible for four special diseases.
Although the reimbursement of Royal Life C has a deductible limit of 10000, the insurance company will reimburse it only if the medical expenses exceed 10000. However, four special diseases of malignant tumor-severe and major organ transplantation or hematopoietic stem cell transplantation, coronary artery bypass grafting (or coronary artery bypass grafting) and malignant tumor-are mild, so there is no deductible.
If a buyer unfortunately suffers from these four special diseases, he won't have too much pressure to be treated, because the insurance company can reimburse all the expenses, and if the rest is solved by social security, we don't need to spend money. The C type of Royal Life can be reimbursed 100%, which sounds very good!
However, although the C-type of Royal Living Security has zero deductible, it protects a small number of special diseases.
The following article starts from another standpoint, so that everyone can have a more comprehensive understanding of this product:
If you want to buy Tongfang Global Guarantee Life C, just read this article.
Second, is Type C of Royal Life Care worth buying?
On the whole, the C-type million medical insurance of Yuhu Life adopts the following forms of protection: general medical care+special medical care+proton heavy ions, which can effectively help consumers resist the economic risks brought by diseases, and such protection is also excellent in the medical insurance market.
Of course, we should also pay attention to defects such as non-renewal
If you want to find a comprehensive medical insurance with good renewal conditions, maybe this article will give you a lot of help:
The latest version of the 10 million medical insurance ranking has come out!
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