Who is Taiping Life Insurance Medical Insurance suitable for? OK?

Recently, Taiping Life Insurance has launched another insurance called Medical Anxin Medical Insurance. It is said that there is no deductible and the claims are very loose, which has attracted the attention of many people. Senior sister has also noticed that many friends in the background are very concerned about the performance of this medical insurance. Isn’t senior sister here to evaluate it for everyone?

Before the formal analysis, you can look at the comparison between Taiping Anxin Medical Insurance and popular medical insurance to explore its details: "Comparison table between Taiping Anxin Medical Insurance and domestic popular one-million-dollar medical insurance"

1. What is the protection of Taiping Anxin Medical Insurance?

Without further ado, let’s first take a look at the protection contents of Taiping Anxin Medical Insurance:

The senior student really feels that the protection provided by Taiping Medical Insurance is unsatisfactory. The coverage content is really limited, and the price is not very friendly.

0 deductible, this should be considered the only advantage of Taiping Anxin Medical Insurance. Compared with other medical insurances, after social security reimbursement, a deductible of 10,000 yuan is deducted. The fact that it has no deductible is great.

This advantage is really good, but it is overshadowed by its shortcomings. After all, the lifetime liability protection is still too weak. The senior sister will focus on why its protection is so weak.

1. Taiping Anxin Medical Insurance only covers basic medical liability

Taiping Anxin Medical Insurance only covers doctors’ consultation fees, treatment fees, surgery fees, medicine fees, examination and laboratory fees, and hospitalization Miscellaneous expenses, etc., these are covered by general medical insurance.

However, Taiping Medical Anxin Medical Insurance does not cover special outpatient services, such as outpatient and emergency expenses before and after hospitalization.

Perhaps everyone has no idea about this. Suppose a person is sick and hospitalized. He must be hospitalized without any examination, right? In most cases, it will be determined whether hospitalization is needed after a period of outpatient examination, medication, and other treatments.

The same is true for outpatient and emergency expenses after hospitalization. No matter what the disease is, you will need to have follow-up visits after being discharged and recovering for a period of time, which costs money.

However, Taiping Medical Anxin Medical Insurance does not cover these, so the money spent is not within the scope of reimbursement. For many people, the cost of outpatient and emergency care is reasonable. The scary thing is that anti-rejection treatment after organ transplant surgery requires a lot of money to support. If the recovery after the transplant is very good, then the later medical expenses will be less, just a few thousand yuan a month to consolidate the condition. If the rejection is serious, it is common to spend tens of thousands or hundreds of thousands of millions. Therefore, it is disadvantageous for consumers that such special outpatient clinics are not included in the insurance coverage.

2. Taiping Anxin Medical Insurance’s critical illness protection is generally

From the picture, we understand that Taiping Anxin’s critical illness medical insurance is equipped with a critical illness subsidy. However, as in today’s market Among medical insurance products, products with critical illness benefits are not uncommon.

On the contrary, the critical illness medical protection provided by general medical insurance is no longer available. Nowadays, in addition to general medical liability, most medical insurances have reimbursement for the basic insured amount for general medical liability if you suffer from a critical illness stipulated in the contract. The insured amount is the same, that is to say, if the general medical insurance amount is 2 million, then the agreed critical illness insurance amount is 2 million, so even if you suffer from a serious illness, you don’t have to worry too much about the medical pressure.

3. Taiping Anxin Medical Insurance does not guarantee renewal

The senior student believes that the biggest disadvantage of Taiping Anxin Medical Insurance is that it does not provide a renewal guarantee.

Maybe some friends don’t know what guaranteed renewal means to all of us. Health notification is a necessary condition for medical insurance. If your physical condition involves the diseases mentioned in the health notification, etc., you will not be able to purchase medical insurance. The non-guaranteed renewal of insurance means that after passing the health notification this year, the insurance company will only allow you to continue to take out insurance next year if you pass the physical condition review.

To be honest, no one can guarantee your health all the time, and your insurance renewal will definitely be successful.

But if you buy a medical insurance product with guaranteed renewal, even if you have already paid a claim during the guaranteed renewal period, you can still continue to take out the insurance even if your physical condition is not good or the product is discontinued. of. For those who are insured, such conditions are really practical~

If you are not sure about the implications of renewing your medical insurance, please see below: "How to renew medical insurance, what should we pay attention to?" 》

2. Is Taiping Anxin Medical Insurance worth buying?

Based on what I have told you before, I do not recommend that everyone buy Taiping Anxin Medical Insurance.

In addition to no deductible, there are simply too many other loopholes. There is no comprehensive protection, nor can it be guaranteed by renewing the policy. The most important thing is that the price is still high.

The basic requirements for purchasing medical insurance are the same age of 30, and both have social security. Some people can buy relatively complete insurance for about 300, but the cost of Taiping Anxin Medical Insurance is higher even if the basics are the same. At the price of 900 yuan, I think it is a bit uneconomical.

So what medical insurance is worth buying? My sister has compiled it here. You must learn more and compare to know which insurance is more suitable for you: "The ranking of the top ten million-dollar medical insurance is newly released! 》

Written at the end

I am a top scholar who talks about insurance, focusing on objective, professional and neutral insurance evaluation;

If the above content has not been resolved yet For your questions, you can also consult me ??on the official account Xueba Talk Insurance;

I will give you the most professional advice based on my years of experience in configuring insurance for 10W+ families.

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