Before we begin, let's take a look at the performance of this product:
Taiping Hainan Free Trade Port Global Special Medicine 202 1 Medical Insurance We must be clear about these shortcomings! 》
1. What is the performance of global specialty drug 202 1 medical insurance in Taiping Hainan Free Trade Port?
As usual, let's take a look at the product form diagram first:
1, a special anticancer drug listed overseas.
As we know, the difference between Taiping Hainan Free Trade Port Global Special Drug 202 1 Medical Insurance and other medical insurances is that the restrictions on the types of drugs are very clear, and only the drugs in the contract catalogue are reimbursed, which are basically anti-cancer special drugs listed outside Chinese mainland and unlisted in Chinese mainland.
The advantage of course is that if you really need to use these anticancer drugs, you don't need to go abroad to buy them, which simply solves the problem of purchasing drugs. Because there are relatively more effective anticancer drugs listed abroad, it is true that foreign medical investment takes longer and more, and there is nothing we can do. According to the calculation of the State Administration of Pharmaceutical Products, compared with 4 15 listed in the United States, Europe and Japan, 76 new drugs listed in China during the previous 10 period accounted for less than 20%. Moreover, according to the total of professional consulting organization IQVIA, from 20 12 to 20 16, there are 55 kinds of anticancer drugs listed for the first time in the world in two years, including 46 kinds in the United States and only 4 kinds in China. Therefore, even if useful anticancer drugs are produced, they may not be available for sale in China immediately, and we have to wait for more than 3-5 years. However, cancer patients are racing against death and time. While waiting, I don't know how many people didn't stand the test of time.
However, for most people, the emergence of Taiping Hainan Free Trade Port's global specialty drug 202 1 medical insurance can meet their drug purchase needs. 50 kinds of special anticancer drugs listed overseas in the catalogue can be reimbursed, and there is no need to go abroad to buy special anticancer drugs, as well as epidemics.
2, drug procurement costs paid directly
The value-added service of Taiping Hainan Free Trade Port's global specialty drug 202 1 medical insurance is very good, that is to say, if you buy a special anticancer drug that meets the requirements in a designated hospital, the insurance company can directly settle the money to the designated hospital for treatment without paying the fee first and then looking for an insurance company to solve it. This service helps friends who don't have much money. It costs a lot of money to prescribe specific drugs. This practice can be reimbursed at no expense. It's really good.
3. There are many restrictions
Not all specialists in designated hospitals can't prescribe drugs, that is to say, as long as other drugs are not prescribed in the scope, it is useless to prescribe them in secondary or tertiary hospitals, and they must be prescribed in designated hospitals.
In addition to the above requirements, you also need to buy medicine in designated hospitals. Designated hospitals refer to: Hainan Boao Super Hospital, Boao Evergrande International Hospital, Boao International Hospital and Lecheng Campus of Hainan Provincial People's Hospital. It means that it is inconvenient for friends from other places to go to Hainan to buy medicine.
4. Long waiting period
The waiting period for general medical insurance is 30 days, but the waiting period for the global specialty drug 202 1 medical insurance in Taiping Hainan Free Trade Port is three times that of 90 days. It's better to buy insurance with a short waiting period, which is more beneficial to our consumers, because the insurer will not pay the claim if it appears during the waiting period.
Not to mention the waiting period of insurance. Friends can learn more details here:
"The risk during the waiting period, the insurance company does not compensate? If you don't understand, you will suffer! 》
Second, Taiping Hainan Free Trade Port Global Special Medicine 202 1 Medical Insurance Is It Worth Starting?
Choose according to your own needs. In fact, the price of global special medicine 202 1 medical insurance in Taiping Hainan Free Trade Port is not expensive. Special drugs listed overseas can also be reimbursed, but only drugs listed in the contract catalogue can be reimbursed. If you feel that you have a demand and need to buy drugs, you can consider insurance.
These excellent millions of medical insurance will help you buy well-protected medical insurance:
The new 10 million medical insurance list! 》
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