Taiping Life Insurance will launch this new product-Love Guardian 202 1, which is a million yuan medical insurance with a deductible of 5,000 yuan.
Many customers see that this deductible is aimed at the reputation of Taiping Life and want to insure it!
Is it worthwhile to place an order just because the deductible is low? You still need to know clearly before buying insurance.
Want to know more about the protection of Love Guardian 202 1, please read this article: Is Taiping Life Insurance's "Love Guardian 202 1" cost-effective? Look at this weeding!
1. What about the protection of Taiping Life Insurance 202 1?
Let's first analyze the protection form diagram of Taiping Life Care 202 1, which will be easier to understand:
As can be seen from the figure, the guarantee composition of Aibo 202 1 is relatively easy, and other guarantee responsibilities are also quite satisfactory. Now, let's look at its commendable aspect: the deductible is not much.
You can see at a glance that the biggest highlight of Taiping Aibo 202 1 is the low deductible, only 5,000 yuan.
Moreover, the existing millions of medical insurance in the market are basically 1 000 yuan deductible. Comparatively speaking, the deductible of Taiping Life Insurance is set at 5000 yuan, which reduces the burden of medical expenses paid by the insured to some extent. No wonder many people are heartbroken.
Although the deductible of Aibo 202 1 is very small, it is still not easy to get it if it is outstanding. Senior sister found many loopholes in this product instead:
1, lack of actual guarantee responsibility
An excellent million-dollar medical insurance should have the following basic security responsibilities:
It's just that many protection contents can't be found in Love Guardian 202 1 of Taiping Life Insurance, not including special outpatient service, outpatient guard and emergency before and after hospitalization.
In addition, the protection of specific drugs outside the hospital is very important for cancer patients. Some drugs used to treat cancer need to be imported from abroad, and some need to be purchased from outside, which is expensive. The burden of medical expenses can be greatly reduced through the responsibility of medical insurance, but there is no guardian of love 202 1!
Be sure to see clearly what medical insurance guarantees before you apply for insurance. Without actual protection, it is useless to pay the premium. Like these medical insurance, a lot of hands and feet have been moved, so be careful next time: please be careful when you encounter these medical insurance!
2. The guarantee is limited.
Love Guardian 202 1 has not only medical insurance for accidental outpatient service, but also hospitalization allowance. Senior sister also likes it! Surprisingly, Taiping Life is set in this way, and different plans are biased towards one side:
The limit of medical insurance for accidental outpatient service is different according to different insurance plans, which are 20,000 and 50,000 respectively. The first plan is not provided!
In addition, the hospitalization allowance can be paid 100 yuan a day, but the payment days cannot exceed 180 days. This responsibility is only provided for scheme 3!
3. There is no guarantee of renewal.
The most important thing for millions of medical insurance is renewal. If it expires after one year, the body finds problems, or the product is discontinued or there are related claims, it is easy to refuse insurance.
However, Aibo 202 1 Medical Insurance cannot guarantee renewal, and its renewal conditions are harsh. The renewal of the contract is reviewed every year, and the original terms will be understood. Let's see:
If the insured has ever had a serious illness or made a claim, then there is a great possibility of being refused insurance.
In addition, love guardian 202 1 also stipulates that the insured is over 80 years old or the product is discontinued and will not accept renewal.
The renewal of millions of medical insurance is a key part for our consumers, which can ensure that we can get stable protection in the future. So I suggest you give priority to products with continuous insurance.
Second, Taiping Life Insurance Love Guardian 202 1 Is it worth buying?
Taiping Life's Love Guardian 202 1 After analyzing the advantages and disadvantages, the overall performance is average. Is it worthwhile to start and need to study its cost performance again?
If a 30-year-old woman buys the product "Aibo 202 1", it is estimated that her annual insurance premium will already be 1488 yuan! It is higher than the premium of millions of medical insurance on the market 1000 yuan, and the protection of millions of medical insurance with other hundreds of dollars is more comprehensive!
The protection of Aiweishi 202 1 10,000 medical insurance does not have many bright spots, the basic protection is not very good, the overall protection is not very high, and the premium is still very high. After understanding, there is no idea to start at all, and the cost performance is really low.
Want to buy millions of medical insurance, want to meet the cost-effective and comprehensive protection, it is better to look at other products on the market. Sister Xue chose these models for you, and the quality is good. You may wish to pick one: the list of 10 million medical insurance is freshly released!
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