Before this, friends who are not familiar with Taiping Guangdong-Hong Kong-Macao Greater Bay Area * * * enjoying 202 1 medical insurance can poke this article:
Have you ever known the defects of Taiping Guangdong-Hong Kong-Macao Greater Bay Area * * * enjoying 202 1? 》
(1) Taiping Guangdong-Hong Kong-Macao Greater Bay Area enjoys 202 1 medical insurance?
I won't say much about other words, but I will present the product form diagram of Taiping Guangdong-Hong Kong-Macao Greater Bay Area * * * Enjoy 202 1 Medical Insurance:
We can clearly understand that Taiping Guangdong-Hong Kong-Macao Greater Bay Area enjoys 202 1 medical insurance, which is slightly different from other millions of medical insurance in content. This million-dollar medical insurance is mainly divided into two parts, domestic medical expense insurance and overseas medical expense insurance. Is the specific protection excellent? Let's explore:
Highlight 1: Taiping Guangdong-Hong Kong-Macao Greater Bay Area enjoys 202 1 medical insurance, and domestic medical insurance is relatively comprehensive.
Taiping Guangdong-Hong Kong-Macao Greater Bay Area * * * enjoys 202 1 medical insurance, providing four responsibilities in domestic medical security: hospitalization, specific outpatient and emergency medical care, outpatient surgery medical care, and emergency medical care after 7 days before hospitalization, including outpatient and emergency medical care, surgery and hospitalization. These related guarantees are still very comprehensive.
Highlight 2: Taiping Guangdong-Hong Kong-Macao Greater Bay Area enjoys 202 1 medical insurance and provides overseas medical insurance.
Taiping Guangdong-Hong Kong-Macao Greater Bay Area enjoys 202 1 medical insurance, including overseas medical insurance, covering a wide range of areas, including Hong Kong and Macao. If the insured is diagnosed for the first time abroad or in Hong Kong and Macao and meets the conditions for claim settlement, the corresponding amount can be obtained.
According to this, it is great that Taiping Guangdong-Hong Kong-Macao Greater Bay Area enjoys 202 1 medical insurance, but is this really the case?
Senior carefully observed the terms of this product, and I found several thorny things:
Mao Ni 1: Taiping Guangdong-Hong Kong-Macao Greater Bay Area enjoys 202 1 Medical insurance renewal conditions are general.
Taiping Guangdong-Hong Kong-Macao Greater Bay Area enjoys 202 1 medical insurance, only 1 year.
As we all know, the underwriting conditions of general medical insurance are relatively strict, especially in front of these two groups of people: middle-aged and elderly people, or people with past diseases. If the insured still has some minor health problems, or the product stops selling, it is generally impossible to continue to insure the product. In this case, we can only choose a single one among many medical insurances, so we can't get the corresponding protection in the gap period!
In other words, short-term million-dollar medical insurance without renewal is not very friendly to consumers! Only from this perspective, Taiping Guangdong-Hong Kong-Macao Greater Bay Area * * * enjoys 202 1 non-renewal medical insurance, which is not particularly excellent.
Friends who are not familiar with medical renewal can poke this article:
How to renew medical insurance? An analysis! 》
Trick 2: Taiping Guangdong-Hong Kong-Macao Greater Bay Area enjoys 202 1 medical insurance, and the scope of medical treatment in China is narrow.
Taiping Guangdong-Hong Kong-Macao Greater Bay Area * * * enjoys 202 1 medical insurance, and the treatment places guaranteed in this contract only include three domestic regions of Beijing, Shanghai and Guangdong and two overseas regions of Hong Kong and Macao.
Moreover, it also stipulates the scope of hospitals: medical institutions in Guangdong Province are comprehensive departments of public hospitals above the national level; The medical institutions in Beijing are comprehensive departments of 48 hospitals as agreed in the contract; The medical institutions in Shanghai are the General Hospital Department and Shanghai Proton Heavy Ion Hospital as agreed in the contract.
From this point of view, the 202 1 year insurance of Taiping Guangdong-Hong Kong-Macao Greater Bay Area is unlikely to be of much use if you seek medical treatment in China, which does not take into account the feelings of the insured.
Trick 3: Taiping Guangdong-Hong Kong-Macao Greater Bay Area enjoys 202 1 medical insurance, and the overseas medical insurance is narrow.
However, after studying the terms very carefully, senior sister found that overseas medical insurance: the insured is diagnosed with illness for the first time and is willing to accept the "medical treatment" agreed in the contract, and can only get compensation if it meets the claim standard!
The "medical treatment" mentioned in this paper mainly includes malignant tumor-intensive treatment, coronary artery bypass grafting (or coronary artery bypass grafting), heart valve surgery, major organ transplantation or hematopoietic stem cell transplantation, neurosurgery and aortic surgery. In other words, this Taiping Guangdong-Hong Kong-Macao Greater Bay Area medical insurance has limited medical security abroad, and it
(2) Is it worthwhile for Taiping Guangdong-Hong Kong-Macao Greater Bay Area to enjoy 202 1 medical insurance?
To sum up, this Taiping Guangdong-Hong Kong-Macao Greater Bay Area * * * enjoys 202 1 medical insurance, and has no advantages compared with millions of similar medical products on the market. If you often work in several areas of Guangdong-Hong Kong-Macao Greater Bay Area and want to add peace of mind when working in Hong Kong and Macao, you may wish to purchase this medical insurance.
Of course, there are many high-quality medical insurance products to choose from in the market. If you want to know, you can read this article:
"Super complete! Domestic popular millions of medical insurance comparison table "
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