It is said that the koi fish version of Xintai Ruyi Insurance has outstanding advantages and wonderful guarantee. If you don't buy it, you will suffer.
Is Xintai Ruyibao koi fish Edition really as good as it is rumored? It is up to the seniors to solve the mystery.
If you want to quickly understand the evaluation focus of Xintai Ruyibao koi fish Edition, please collect this dry goods: Can Xintai Ruyibao koi fish Edition Medical Insurance really protect your life? Don't make fun of me.
First, Xintai Ruyi Insurance koi fish Edition Medical Insurance Protection Analysis
Hurry up, and the essence will be presented immediately.
Look at the picture. The koi fish version of Xintai Ruyi Insurance has a simple guarantee, and it can only enjoy general medical care and serious illness medical care, including special outpatient service, outpatient surgery, outpatient service before and after hospitalization and other basic guarantees.
This koi fish version of Xintai Ruyi Insurance covers a wide range of ages, and people from 28 days to 75 years old can apply for insurance. Compared with other millions of medical insurance in the market, this kind of medical insurance is more friendly to the health of the elderly.
After detailed evaluation by seniors, this medical insurance has many shortcomings. Now let's have a look!
1.？ Low insurance coverage
The coverage of this product is different, which is 65,438+0,000,000,000 and 2,000,000 respectively. The reason why many people are not optimistic is that the coverage of critical illness insurance is basically the same as that of ordinary medical insurance.
Many people complain that the coverage of this product is too low. Among the millions of medical insurance, for example, the good medical insurance of Zhongan Insurance can reach 3 million, and the medical insurance for serious illness can reach 6 million, not to mention the small price gap.
With more insurance coverage, there is more room to choose better medical resources. Xintai Ruyi guarantees that the koi fish version of this insured amount is too stingy.
2.？ No value-added services
At present, most insurance companies spend a lot of energy on setting up value-added services in order to attract customers, but we need to pay attention to more useful value-added services, such as early hospitalization service, proton heavy ion and green channel for medical treatment.
How important is value-added service? After reading this article, you will know: What is value-added service? The more the better?
Take the advance payment for hospitalization first. Hospitalization advance means that after hospitalization, the medical hospitalization expenses are paid in advance by the insurance company without our own money. However, after leaving the hospital, you should check your own expenses and reimbursement, and make up more.
This service is very important. If you are hospitalized, it will cost a lot. The average medical expenses for particularly serious diseases are several hundred thousand. Ordinary families can't afford that much money at the moment, and beds in some hospitals are not cheap. If the hospitalization fee is paid in advance, we can rest assured to cultivate our bodies, and we don't have to consider expensive medical expenses for the time being.
Let's start with proton heavy ions. For proton heavy ions, it is an internationally recognized frontier radiotherapy technology and one of the effective means to fight cancer. However, medical insurance cannot reimburse this medical expense. Moreover, the cost of proton heavy ion therapy is about 300 thousand. Fortunately, many medical insurance now choose to add proton heavy ions to the protection, so that more patients can get this efficient treatment.
However, there are no value-added services mentioned above in the koi fish version of Xintai Ruyi Insurance, so we can skip the medical insurance without sincerity!
Second, Xintai Ruyi Insurance is koi fish Medical Insurance worth buying?
To sum up, Xintai Ruyibao koi fish version of this million medical insurance can pass the basic guarantee, but compared with most million medical insurance now, the guarantee needs to be strengthened. Without value-added services, its competitiveness will be greatly reduced. Compared with similar medical insurance in terms of security and price, the cost performance of this million-dollar medical insurance is ridiculously high.
However, the maximum insurance age can be as high as 75 years old. If the budget is sufficient and the elderly are healthy, you can start this million medical insurance.
After analyzing so many disadvantages, everyone may lose the desire to buy this insurance.
So what millions of medical insurance are worthy of attention? This list is worth a look: the ranking of millions of medical insurance is freshly released!
Write it at the end
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