How about Pacific Insurance's Thai Health Plus Million Medical Insurance?

Thai Health Plus Million Medical Insurance is a new medical insurance product recently launched by Pacific Insurance, which is quite satisfactory in terms of coverage content. The following dad will give you a detailed analysis of the protection content of Pacific Health plus to see if it is worth insuring:

I. Security content analysis 1. General medical security

The general medical insurance is 3 million yuan, and the main reimbursement scope includes three aspects:

Hospitalization medical expenses

Medical expenses of designated outpatient service. Designated clinics include the following four types: 1. Outpatient renal dialysis fee II. 3 outpatient malignant tumor treatment fee. Outpatient anti-rejection treatment fee 4. Outpatient surgery fee. Reimbursable outpatient treatment methods for malignant tumors: chemotherapy, radiotherapy, tumor immunotherapy, tumor endocrine therapy and tumor targeted therapy.

Outpatient and emergency medical expenses within 7 days before and after hospitalization

2. Medical insurance for major diseases

Serious illness 100, and medical insurance is also 3 million. If the insured is diagnosed as contracted serious illness for the first time, the insurance company will pay an additional 65,438+00,000 yuan as hospitalization allowance for serious illness.

3. Reimbursement and medical coverage

Deductible: For serious illness and general medical treatment, the deductible is 1 1,000 yuan, but in fact, the extra payment for serious illness is 1 1,000 yuan, which is equivalent to zero deductible for serious illness.

Payment ratio: under normal circumstances, 100% can be paid, but if you buy at the social security rate, you need to use social security to reimburse first and then apply for Too Healthy plus, otherwise you can only reimburse 60% without social security.

Hospital: It is generally required to see a doctor in the general department of a public hospital above the second level, but some serious diseases require a higher level hospital. Please refer to the product terms for details.

Medical insurance: this responsibility is not included in personal insurance. If it is family insurance, this responsibility will take effect, that is, the insured family members can enjoy 4 million medical insurance together. However, Bao Dad thinks that the general insurance coverage of 3 million is enough. Although this kind of family security is characteristic, it needs to pay more premiums and the cost performance is relatively average. It is not cost-effective to insure other million medical insurance separately.

Two, Taikang plus compared with other million medical insurance:

In terms of content and services, Ping An E Life Insurance 2020 has all the commonly used value-added services, as well as 120 kinds of critical illness medical care, so the protection is still very comprehensive.

From the price point of view: in the above table, the price of long-term medical insurance is the most favorable, and it supports 6-year guarantee renewal. Don't worry about renewing the warranty in the short term. After stopping using the product, you can switch to other medical products without health notification.

From the point of deductible: if it is family insurance, it is more appropriate to enjoy E Health 20 19 and Cai Jing Lifelong 2020, and families * * * enjoy 10000 deductible, and all serious illnesses are zero deductible.

If it is an insurance, it is more cost-effective to enjoy the deductible of 1 ,000 yuan after six years of long-term medical insurance, and the average annual deductible is less than 1, 700 yuan.

Finally, to sum up, the premium of Thai Health plus is probably at a medium level, and the basic protection is covered. Unfortunately, it lacks other value-added services. Usually, the green channel for medical treatment is used in the process of medical treatment, and the frequency of medical expenses prepaid and outsourcing drugs is still relatively high.

Article source: Dad Bao official website; Professional insurance assessment agencies can help you solve the insurance problem ~