Unverified90% confidenceCautionTime unknown
不承保被保险人已知的既往症(pre-existing conditions),有慢性病或已确诊疾病的人群需注意相关医疗费用可能被拒赔
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90%
Confidence
Long-term
Relevance
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Unverified不承保已知既往症相关的医疗费用,有慢性病或既往病史的投保人需注意免责条款,相关就医可能被拒赔89% similarUnverified费用较高且涉及保险覆盖问题,使用前应确认保险是否承保MCT服务以及自付比例,部分患者报告收到高额账单71% similarUnverified选购时需确认是否为住院期间医保覆盖品种;院外自购价格较高,长期使用经济负担需提前评估68% similarUnverified意外医疗0免赔且不限社保报销,相比同类产品在医疗报销条件上较优,适合希望自费药也能覆盖的用户67% similarUnverified有明确疾病诊疗需求(如颈椎病、腰椎间盘突出等)的人不适合选择养生馆,应去有医疗资质的中医院或中医诊所就诊67% similar
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