During this period, Taiping Life Insurance launched Love Guardian 202 1, which is a million-yuan medical insurance with a deductible of only 5,000 yuan. Many parents are optimistic about this deductible, and because of the reputation of Taiping Life, they can't help but want to insure!
Is this product worth insuring? I have to pass a detailed evaluation to know!
Anxious friends may wish to take a look at this summary:
Is Taiping Life Insurance Love Guardian 202 1 cost-effective? Seeing this, I pulled up the grass!
1. What about the protection of Taiping Life Insurance 202 1?
Let's take a look at the protection form of Taiping Life Insurance 202 1:
According to the picture information, we can see that the protection of Love Guardian 202 1 is relatively simple and provides some good protection. Then let's study its good aspects together:
1, low deductible
You can see at a glance that the biggest highlight of Taiping Aibo 202 1 is the low deductible, only 5,000 yuan.
The existing millions of medical insurance in the market are basically 1 1,000 yuan deductible. In contrast, Taiping Life only has a deductible of 5,000 yuan, which means that the burden of medical expenses of the insured is much less. No wonder so many people want to buy this product.
But is a low deductible really good for us? This article can answer your doubts:
What does the deductible include? Is the less deductible, the more popular it is?
Although the deductible of Aibo 202 1 is very small, this is not the only reason why we want to buy it, and this product still has many defects:
1, lack of actual guarantee responsibility
An excellent million-dollar medical insurance should have the following basic security responsibilities:
Unfortunately, there are many loopholes in the protection content of Taiping Life Care Guardian 202 1, such as special outpatient service, outpatient care and emergency treatment before and after hospitalization.
In addition, for cancer patients, the protection of specific drugs outside the hospital is very important. Many drugs for treating cancer need to be purchased from abroad, and the price is very high. If you are insured with medical insurance, you can greatly reduce the burden of medical expenses, but Love Guardian 202 1 does not include this practical guarantee!
The protection of medical insurance must be clearly seen. If the insurance you buy is not fully guaranteed, the premium will be paid in vain.
2. The guarantee is limited.
In addition to accidental outpatient medical insurance, this product also comes with hospitalization allowance protection. Among them, the accident outpatient medical insurance premium is divided into three plans. Except for the first scheme, the other two schemes correspond to 20,000 and 50,000 respectively, and you can choose freely according to your actual situation.
Although the hospitalization allowance for this product is stipulated as 100 a day, it can only be paid for 180 days at most, and it is only available in the third scheme! This is really unfriendly to people with limited budgets.
3. There is no guarantee of renewal.
For millions of medical insurance, renewal conditions are the key. If, after the expiration of one year, the insured has some physical problems, or the product is discontinued or has experience in claims settlement, and wants to apply for renewal of insurance, many medical insurance products that do not renew insurance will basically refuse insurance.
However, Aibo 202 1 Medical Insurance does not guarantee renewal, and the renewal should be reviewed every year. Its original terms are as follows:
If the insured has been seriously ill or has made claims, the possibility of refusing to renew the insurance is very high. In addition, if there are two situations: the insured is over 80 years old or the product has stopped selling.
It can be seen that the renewal conditions of millions of medical insurance are very important for our consumers, which can ensure that our future protection is in a stable state for a long time. Therefore, when considering products, we should try our best to choose products that can guarantee renewal.
Second, Taiping Life Insurance Love Guardian 202 1 Is it worth buying?
After analyzing the advantages and disadvantages of Aibo 202 1 of Taiping Life Insurance, we can see that the performance of this product is relatively average. Should I buy it or not? We have to analyze its cost performance again.
If a 30-year-old woman is insured by Aibo 202 1, the annual premium will be 1488 yuan! Compared with some millions of medical insurance that can be bought for hundreds of dollars in the market, its premium is indeed a bit expensive, that is, 1000 yuan, and the coverage content is not as good as other millions of medical insurance with hundreds of dollars!
In fact, there are not many highlights of loving and protecting 202 1 10,000 medical insurance, and the basic guarantee is not as comprehensive as expected, and the overall coverage is not high. The key is that the premium is not cheap, and there is really no satisfactory place, and the cost performance is very low.
If you are looking for millions of medical insurance with wide coverage and high cost performance, you can shop around. The following ten products are all very good. You can refer to them:
Ten million medical insurance rankings are freshly released!
Write it at the end
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