How about China Life Kangyue Type C Million Medical Care?

The main protagonist of today’s discussion is China Life’s Kangyue Medical Model C

First of all, let’s take a look at its insurance liability. The insurance liability is as shown in the figure:

1. Insurance liability:

The above is the insurance liability of China Life Kangyue Model C. Next, let’s take a look at its shortcomings.

2. Shortcomings

1. Renewal: First, let’s look at the part about renewal in the terms. To put it simply, if the customer does not make a claim in the first year after taking out the insurance, and the policy is renewed normally, the renewal will not be refused from the third year onwards because the customer has made a claim or other reasons. This condition seems to be very good, but in actual operation, a news emerged. A customer insured Kangyue C for his child. A claim was made in the first year, and China Life renewed it normally in the second year. However, when the claim was made again, the claim was refused and canceled. contract. So the question is, if you don’t settle the claim, why don’t you refuse to renew the policy?

2. Deductible setting Whether it is general medical treatment or serious illness hospitalization, Kangyue Medical will have 10,000 yuan. The deductible, in fact, after social security reimbursement is 10,000 yuan, the burden on the customer is still quite large, while similar products already have 0 deductible for serious illness, which will be much better~

3. Designated institutions limit.

Kangyue C only limits access to general departments of public hospitals of level two and above, which means that private hospitals cannot reimburse, and special needs departments in public hospitals cannot reimburse, which greatly reduces the cost of insurance companies. Claims expenditure is also a manifestation of insurance companies reducing protection to customers.

4. Intensive care unit costs.

Xiao Qiu looked through the terms and conditions, but did not see a separate list of reimbursement for intensive care unit expenses. So here is the problem. The cost of ICU for a day can easily reach tens of thousands. The actual reimbursement should be reimbursed. If it is in It should be listed in the terms and conditions, and customers will feel more at ease

5. The cost for the first 7 days before and after hospitalization:

On the market, the outpatient and emergency charges before and after hospitalization are 30 for the first 7 days and the next 7 days. , which means that the customer’s outpatient and emergency expenses within 7 days before hospitalization and 30 days after discharge can be reimbursed through Million Medical, but the Kangyue C payment is only 7 for the first 7 days and 7 for the last, which is really cutting corners.

6. Proton and Heavy Ion Therapy is only limited to Shanghai Proton and Heavy Ion Hospital.

This is what Xiaoqiu said before. It is only limited to Shanghai. No matter how far away you are, if you want to receive proton and heavy ion therapy, you can only come to Shanghai, otherwise you will pay for it at your own expense. This responsibility also requires additional payment, which is really inhumane.

7. Inadequacy of value-added services. China Life's shortcomings in value-added services are that there is no hospitalization advance payment service. Even if it can reimburse 6.05 million, customers have to spend money for treatment first before they can be reimbursed later. There is no green channel service and the shortage of medical resources in domestic big cities means that ordinary patients generally do not have green channels, which delays the condition to a certain extent.

With such a riddled product, would you still pay for it just because it is a national brand?