It is said that this medical insurance provides some basic guarantees and the guarantee of the cost of proton heavy ions for cancer treatment, and its cost performance is super high. Is there any rumor that Royal Care Life's C-type medical insurance is so excellent? Take a look at this article!
First, what about the guarantee of lifelong C?
Read the insurance clauses before buying, but considering that everyone has limited time, Senior Sister made a product information map, the content is very clear:
The picture tells us that as a new medical insurance product, the coverage of Royal Life C is different from other products. Next, let's take a look at the guarantee of lifelong C!
1. Flexible and comprehensive protection
Item C of Royal Care Life Insurance includes general medical insurance, medical insurance for special diseases, proton heavy ion insurance, and many services such as surgery, hospitalization, emergency services before and after, and special outpatient service. Moreover, Royal Life C has two protection plans to meet the different needs of consumers.
The basic limit and additional compensation limit of scheme 1 are 6.5438+0 million, and the basic limit and additional compensation limit of scheme 2 are 2 million. After the comparison, it will be clear that the second scheme is more secure, and the second scheme is a good choice when the budget is sufficient.
2. Proton heavy ion cost guarantee
Proton heavy ion therapy is internationally recognized as the most useful and excellent radiotherapy technology. Because it can accurately kill tumor cells, it has little side effects on normal tissues and painless treatment process, and is known as the cancer nemesis.
Section C of Royal Nursing Life includes proton heavy ion fee guarantee, and the reimbursement amount is up to 2 million. If consumers unfortunately get cancer and want to do proton heavy ion technology treatment, they don't have to worry about the problem of no 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.
Generally speaking, even though many medical insurances have proton heavy ion protection, only Shanghai Proton Heavy Ion Hospital is an accredited institution. Now there are three super institutions that can provide us with treatment services, which are more selective and more secure.
However, the model C of Imperial Life Insurance has a disadvantage. It only guarantees 60% of the proton heavy ion cost. At this time, the remaining 40% is paid by oneself, which will be heavier for people with average economic conditions.
3. No guarantee of renewal
As we all know, medical insurance is mostly one-year insurance, that is to say, if you buy it the next year, you may not be able to buy it, and you may not be able to buy it at the same price. Therefore, when starting medical insurance, you should be careful about how the renewal conditions are required.
Medical insurance with excellent renewal conditions will generally stipulate how many years the consumer can renew the insurance according to the requirements, such as 20 years, which means that it can start in the next 20 years, without underwriting and waiting period, even if the product stops selling.
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. Although you can buy it, you will have to spend more money or lose insurance.
When buying medical insurance, we must pay attention to life insurance C, because it does not guarantee the renewed products and the conditions for renewal are not good.
How can medical insurance renewal better protect the rights and interests of our consumers? The following article has some skills!
What are the skills of medical continuation? This article tells you the answer!
There is no deductible for four special diseases.
Although the reimbursement of Royal Life C has a deductible limit of 10000, the insurance company will reimburse it only if the medical expenses exceed 10000.
But there are four special diseases for which there is no deductible. These four special diseases are malignant tumor-severe, malignant tumor-mild, hematopoietic stem cell transplantation or major organ transplantation, and coronary artery bypass grafting.
If the insured's diseases belong to these four special diseases, all the expenses for treatment will be borne by the insurance company, and even if the C expenses of Royal Life are very high after social security settlement, the rest can be reimbursed. Don't you like it very much?
In some people's minds, there are not only four special diseases in other medical insurance. Although Royal Life Type C has 0 deductible, the number of special diseases covered is not much. The remarkable advantage of Royal Care Life C model is that it covers both severe malignant tumors and mild malignant tumors, which is its unique advantage from other medical insurance.
Unfortunately, patients with malignant tumors can be found in the early mild stage and treated early. After social security settlement, the insurance company can provide 100% reimbursement, so that patients don't have to worry.
In order to let everyone have a comprehensive understanding of this product, the next article will start from another brand-new idea, hoping that everyone will have a thorough understanding of the C-type critical illness insurance of Royal Life!
If you want to buy Tongfang Global Yusheng C, it is enough to read this article.
Second, is Type C of Royal Life Care worth buying?
On the whole, C Million Medical Insurance has a perfect security system, which helps consumers resist the economic risks brought by diseases in the form of general medical care+special medical care+proton heavy ions. This kind of protection is also available in the medical insurance market.
Of course, if the renewal fails, you should also pay attention. This paper introduces a variety of medical insurance with good renewal conditions and comprehensive protection, which is necessary for everyone to get:
Ten million medical insurance rankings have come out!
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