Who is Taiping Life Insurance suitable for? What problems should we pay attention to?

Recently, Taiping Life Insurance has launched another insurance type, called medical care insurance. I believe you have heard that there is no deductible in insurance, and the progress of claim settlement is very simple, which has attracted many people's attention. Many friends have left messages in the background to let the senior sister talk about this medical insurance in detail, and the senior sister will give you an evaluation.

Before learning the formal content, analyze the comparison between Taiping Medical Peace of Mind Medical Insurance and Public Medical Insurance in advance to understand its inside story:

1. What is the protection of Taiping Medical Peace of Mind Medical Insurance?

Not much to say, let's first explore the protection contents of Taiping Medical Peace of Mind Medical Insurance:

Seriously, senior sister feels it is a pity that the security of peace of mind is guaranteed. The content of the guarantee is really simple, and the price is not very favorable.

In fact, many people are not optimistic about Taiping Medical's peace of mind medical insurance, but one of its advantages is that general medical care has zero deductible, which is commendable compared with other medical insurance that needs to deduct 1 10,000 deductible after social security reimbursement.

But this advantage is completely covered up by its shortcomings, or because the responsibility of protection is not thick enough. Senior sister is here to tell you separately why it is said to be thin.

1. Taiping Medical Peace of Mind Medical Insurance has only basic medical responsibilities.

The peace of mind medical insurance of Taiping Medical covers the following expenses: doctor's consultation fee, treatment fee, operation fee, medicine fee, examination and laboratory fee, hospitalization miscellaneous fee, etc. , which belongs to the scope of general medical insurance.

But like some special outpatient clinics, such as outpatient and emergency expenses before and after hospitalization, Taiping medical insurance is not included.

Some friends may know nothing about it. If someone is ill and hospitalized, it is impossible to go to the hospital without a physical examination, right? Generally speaking, outpatient examination is needed, and it takes some time to decide whether he should be admitted to hospital.

At the same time, the cost of outpatient and emergency treatment after hospitalization is still the same, and it usually costs money to make a follow-up visit after discharge.

However, Taiping Medical Anxin Medical Insurance does not provide protection for these contents, so it cannot meet the conditions for reimbursement.

In fact, comprehensive calculation, emergency expenses are not particularly high. However, after organ transplantation, anti-rejection therapy needs a lot of financial support. If you recover well after transplantation, the medical expenses will be less in the later period, and thousands of dollars a month will be enough to consolidate your illness. If there is a big rejection, it is normal to generate tens of thousands of millions of expenses. Therefore, this special clinic is not covered by the protection and is not friendly to consumers.

2. The critical illness protection of Taiping Medical Anxin Medical Insurance is general.

Taiping Medical has a subsidy of critical illness allowance, but as far as current medical insurance is concerned, critical illness allowance is not a special advantage.

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Left margin: 0.0000 pounds; Text indentation: 0.0000 points; MSO- Paging: Widow-Orphan; "> On the contrary, medical insurance for serious illness, which is common in general medical insurance, is gone. At present, in addition to general medical liability, if most medical insurance is agreed on a serious illness, after the basic guarantee of general medical liability has been reimbursed, there is also an agreed reimbursement amount for serious illness, which is usually the same as the basic guarantee of general medical care. In other words, if the general medical insurance is 2 million, there is still 2 million for the agreed serious illness, so even if you suffer from a serious illness, you don't have to worry too much about medical pressure. 3. Taiping Medical's peace of mind medical insurance is not guaranteed to be renewed.

Senior sister thinks that one of the biggest shortcomings of Taiping Medical's peace of mind is that it does not give consumers renewal protection.

There may be many small partners who don't know much about what renewal can provide us. Medical insurance cannot be configured until health notification is completed. The diseases involved in health notification do not enjoy medical insurance benefits.

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Left margin: 0.0000 pounds; Text indentation: 0.0000 points; MSO- Paging: Widow-Orphan; "> Failure to renew the insurance means that we have passed this health notice this year and will have to go through the medical examination of the insurance company next year before we can apply for insurance. Seriously, no one can guarantee that his physical condition has been good, so he will be able to renew his insurance successfully, right?

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Left margin: 0.0000 pounds; Text indentation: 0.0000 points; MSO- Paging: Widow-Orphan; "> However, if it is a medical insurance product that is guaranteed to be renewed, it can be renewed even if there are claims, or the health condition is not good or the sale is stopped. & ltp style = " margin-top:3.7500 pt； Right margin: 0.0000 pounds; Margin-bottom: 3.7500 points;

Left margin: 0.0000 pounds; Text indentation: 0.0000 points; MSO- Paging: Widow-Orphan; "> For our consumers, it is certainly more beneficial to guarantee renewal. If yes, it is not clear what the impact of medical insurance renewal is. Please refer to the following:

Second, the price of Taiping Medical Peace of Mind Medical Insurance is not worth buying.

And as I said before, I don't recommend you to take out Taiping medical insurance.

There are really many defects except that there is no deductible. The guarantee is not rich enough to guarantee renewal, and the price is even higher than others.

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Left margin: 0.0000 pounds; Text indentation: 0.0000 points; MSO- Paging: Widow-Orphan; "> At the same age of 30, with social security, others only need about 300 yuan to buy medical insurance, but Taiping Medical's peace of mind medical insurance needs to be in the early 900 s. This price is a bit uneconomical for senior students. & ltp style = " margin-top:3.7500 pt； Right margin: 0.0000 pounds; Margin-bottom: 3.7500 points;

Left margin: 0.0000 pounds; Text indentation: 0.0000 points; MSO- Paging: Widow-Orphan; "> What medical insurance is worth buying? Senior sister tidied up here. You must know more and compare more before you know which insurance is more suitable for you: < a href="/redirect? location = ahr 0 CHM 6 ly 9 iyw 94 awfuljawynguy 29 tlz 9 nawq 9 MTC ynzuz & amp； title = juuzjtgwjthbjuu 1 jthejtgxjuu 1 Jue 0 Jue 3 juu 3 jtk 5 jujfjuu 0 Jui 4 jtg 3g juu 1 jthdjujcjuu 3 jtk 3 juu 5 jtk 5 Jue 5 juu 2 jthfjtkyjuu 1 jtkwjthej uu 2 juiwjuu 5 juiyjtldjuu 1 jtg 3 jubjuu 3 jtgyjtuserId = 289384 19 & amp； passId = 4 17 126576 1。 planId = 63380 1 & amp； Unitid = 868246 & ideaid = 2001061777 "title =" Ten Million Medical Insurance Rankings Fresh Out! ""target = "_ blank"> The list of ten million medical insurance is fresh! "Write at the end.

I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;

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

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