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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

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Unverified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89% similar Unverified'意外医疗'条款要看是否限社保范围、有无免赔额及报销比例，'0免赔+不限社保100%赔付'的医疗条款价值远高于'100元免赔+社保内80%'的产品74% similar Unverified支持医保且可办理门诊特殊病（门特），长期服药患者走医保报销后经济负担明显低于私立机构74% similar Unverified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73% similar Unverified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72% similar

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