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Can Xintai's "Ruyibao koi fish Edition" medical insurance really protect your life?
First, Xintai Ruyi Insurance koi fish Edition Medical Insurance Protection Analysis
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By analyzing the above picture, we know that this million-dollar medical insurance is very simple, and the coverage covers general medical care and critical illness medical care. Now basic guarantees such as special outpatient service, outpatient operation and outpatient service before and after hospitalization are also included in this medical insurance.
Xintai Ruyi Insurance koi fish Edition is a medical insurance with a relatively wide bidding age, ranging from 28-day-old babies to 75-year-old people. As long as it is within the insurance year, this product is more friendly to healthy elderly people.
If you are still worried about whether you should buy insurance for the elderly, read this article first!
What are the insurances for the elderly? What insurance should I buy for my parents?
After careful analysis, the senior learned that this medical insurance has many shortcomings, so let's analyze it for everyone!
1.？ Low insurance coverage
According to different insurance plans, the corresponding coverage ranges from 1 10,000 to 2 million, which leads many people to be pessimistic, that is, the coverage of critical illness medical insurance is basically the same as that of ordinary medical insurance.
It's really amazing that the coverage of this product is only so little. Now we can see that there are many kinds of millions of medical insurance in the market, such as the good medical insurance of Zhongan Insurance and the more common medical insurance, which can provide 3 million protection, and the serious medical insurance even has 6 million protection, not to mention the small price difference.
The more insurance coverage, the greater the space for choosing better medical resources. Xintai Ruyi Insurance koi fish Edition is not generous at this point.
2.？ No value-added services
Nowadays, in order to win customers' attention, most insurance companies think a lot about value-added services, but they should pay attention to choosing the value-added services that can be used, such as hospitalization first service, proton heavy ion, green channel for medical treatment and so on.
Let's talk about hospitalization advance. Hospitalization advance means that after hospitalization, the insurance company will advance the medical expenses needed for hospitalization, so we don't have to pay in advance, but we have to recalculate after discharge, and then refund more and make up for less at our own expense.
This service is very meaningful. If after hospitalization, the medical expenses are relatively high, and the average cost of treatment for particularly serious diseases is several hundred thousand, how can ordinary families get so much money at once, and the beds in some hospitals are still relatively expensive. If there is an option of paying for hospitalization first, then we can rest assured that we don't need to worry about a lot of medical expenses for the time being.
Now focus on proton heavy ions, which is internationally recognized as the frontier technology of radiotherapy and one of the best means to treat cancer. Unfortunately, social medical insurance does not reimburse this expense. Moreover, the cost of proton heavy ion therapy is about 300,000 yuan, and most medical insurances choose to cover proton heavy ions, which is a rare good thing for consumers and allows more and more patients to experience this more efficient treatment.
But all the value-added services listed above are actually avoided by Xintai Ruyi Bao koi fish Edition. Ignore this insincere medical insurance and continue to find the next one!
Second, Xintai Ruyi Insurance is koi fish Medical Insurance worth buying?
To sum up, Xintai Ruyi Insurance koi fish Edition, as a million medical insurance, can have the necessary basic protection, but the protection is not as strong as most million medical insurance now. Without value-added services, its competitiveness will be greatly reduced. We combine security and price to analyze and compare. In terms of cost performance, this million-dollar medical insurance is completely won by similar products.
However, people aged 75 and under can apply for insurance. If there are elderly people with good financial and physical conditions, you may wish to take a look at this million-dollar medical insurance.
Having said so many defects, you may lose interest in this insurance. Don't worry, I have prepared an excellent list of millions of medical insurance here. Let's have a look!
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