It is said that the coverage of this medical insurance not only has some basic guarantees, but also provides the cost guarantee of proton heavy ions for cancer treatment. It is really the king of cost performance. I wonder if Royal Life's C-type medical insurance is as big as it is rumored. Let's go and have a look!
Before reading the article, senior sister suggested that you read this article first, in case you are fooled by buying insurance: "What you must know before buying insurance! 》
First, what about the guarantee of lifelong C?
Before buying insurance, let's know its terms, but considering that everyone's time is limited, Sister Xue made a product information map, the content is very clear:
As can be seen from the figure, as a new medical insurance product, the coverage of Royal Life C is different from other products. Let's take a look at the guarantee of lifelong C!
1. Flexible and comprehensive protection
The C-guarantee responsibilities of Royal Care Life Insurance mainly include general medical insurance, special disease medical insurance and proton heavy ion cost insurance, including surgery, hospitalization, first aid before and after, special outpatient service and other services. Then, Royal Life C has two protection plans in total, taking into account the different 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. Comparatively speaking, the second scheme is more secure, and if the budget is more, the second scheme will be very good.
2. Proton heavy ion cost guarantee
Proton heavy ion therapy is currently recognized as the most effective and cutting-edge radiotherapy technology in the world. 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 Care Life C has set up proton heavy ion fee guarantee, with the maximum guarantee amount of 2 million. Even if consumers unfortunately have cancer and want to do proton heavy ion technology treatment, they will not be bored by 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 a good treatment foundation for patients.
Even though many medical insurance can guarantee the cost of proton heavy ions, only Shanghai Proton Heavy Ions Hospital is an accredited institution. However, there are three specific institutions to choose from in Royal Life C, which gives our consumers more choices, which is quite good.
It's a pity that only 60% of the proton heavy ion fee is guaranteed in Royal Life C, and the remaining 40% is paid by ourselves, which is still very stressful for ordinary families.
3. No guarantee of renewal
As we all know, medical insurance is mostly one-year insurance, that is to say, if you buy it in the second year, you are not sure whether you can buy it or not, so you should pay attention to its renewal conditions when buying medical insurance.
Medical insurance with good renewal conditions will generally stipulate how many years consumers can renew their insurance according to the requirements, such as ensuring a renewal of insurance for 20 years. After that, the insured can renew the insurance for 20 years without health notification. There is no waiting period, even if the product has stopped selling, they 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. Even if you can continue to buy it, the price is more expensive or the coverage is not as rich as before.
Royal Life C is a product that does not guarantee renewal, so you should pay attention when buying medical insurance.
There is no deductible for four special diseases.
Almost all millions of medical insurance have a deductible limit of 654.38+ 10 million yuan, and insurance companies only reimburse reasonable and necessary medical expenses that exceed the deductible, and Royal Life C is no exception.
However, there is no deductible limit for mild malignant tumor, severe malignant tumor, hematopoietic stem cell transplantation or major organ transplantation, and coronary artery bypass grafting.
That is to say, in case the insured is unfortunately diagnosed with one of these four diseases, the insurance company will reimburse 100% as long as it is reasonable and necessary for medical expenses.
Some people may think that there are many medical insurance policies that give 0 free compensation for more than 100 major diseases, and there are only 4 types of C, which seems uneconomical. But in fact, the C mode of royal life has a very big bright spot! That is, "malignant tumor-mild" also gives 0 free compensation, which is almost impossible for medical insurance.
If the patient is unfortunately suffering from malignant tumor, it can be found and treated as soon as possible from the mild stage. After the social security settlement, the insurance company will reimburse him in full, and the patient can rest assured.
The following article is analyzed from another angle, aiming to let everyone know this product more deeply. I hope everyone knows all about life-long C-type critical illness insurance! Who wants to buy Tongfang Global Guarantee Life C? It is enough to read this article.
Second, is Type C of Royal Life Care worth buying? Defending the lifelong C million medical insurance adopts the forms of general medical care+special disease medical care+proton heavy ions to ensure that consumers can resist the economic risks brought by diseases. Such a guarantee also has a high competitive advantage in the medical insurance market.
Of course, if the renewal is not guaranteed, then you should also pay attention. This paper will provide you with a large number of medical insurance with rich protection and good renewal conditions. Let's take a look: the list of millions of medical insurance has been released! 》
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