Whenever it comes to health issues, it can be everyone's priority, and many people wish they could see a doctor for treatment without having to spend a lot of money.
Recently, Taiping Life launched a deductible of only 5,000 yuan of million medical insurance - love guardian 2021.
Many customers fancy this deductible, but also for Taiping Life's reputation, they think ready to take out insurance!
Can we start simply by looking at the low deductible? Be cautious and analyze before taking out a policy.
Anyone who is interested in the 2021 can go here:
Taiwan Life's 2021 is cost-effective?
First, how is Taiping Life Love Guardian 2021 coverage?
Let's take a look at the chart of Taiping Life's Love Guard 2021 coverage, so that understanding won't be impeded:
Looking at the chart, we can see that Love Guard 2021 coverage is relatively simple, and some of the coverage responsibilities are also quite good, so let's take a look at its excellence:
Lower deductibles
The biggest highlight of Taiping Love Guardian 2021 is the low deductible, which is only 5,000 yuan.
And the current market of millions of medical insurance is basically 10,000 yuan deductible, compared to the Taiping Life only 5,000 yuan deductible, the insured need to bear the medical expenses will be much less, no wonder a lot of people are moved ah.
While the deductible for 2021 is low, it's not enough to look at this advantage, but I also found a lot of shortcomings in this product:
1, the lack of practical protection
The next part of this basic protection is a qualified million medical insurance must have.
Unfortunately, Taiping Life's Love Guard 2021 is missing a lot of practical coverage, such as special outpatient, outpatient guardianship, hospitalization before and after the outpatient emergency these are not covered.
Additionally, for cancer patients, out-of-hospital special drugs is a very important protection, many drugs for cancer treatment are imported from abroad or have to be purchased from outside, and the price is very alarming, the burden of medical expenses can be reduced to a large extent by the responsibility of medical insurance, and love guardian 2021 does not even include this protection!
Before you take out an insurance policy, make sure you look at what medical insurance has to offer, and if the insurance coverage is not sufficient, there is no difference between buying and not buying. The first thing you need to do is to look at the information you have on the website and see if you can find any information on the website!
2, coverage is limited
Looking at this love guardian 2021 that includes accidental outpatient medical insurance also includes hospitalization allowance coverage, sister is also quite happy! However, unexpectedly, Taiping Life is so stipulated that different plans are treated differently:
There are two kinds of accidental outpatient medical insurance benefit limit is 20,000 and 50,000 respectively, they are corresponding to different insurance plans, and plan one is not!
There is also its hospitalization allowance that can pay $100 a day, so that it can cover up to 180 days, but this responsibility is only provided for Plan 3!
3, can not guarantee the renewal
Million medical insurance renewal is the most important, if a year expires, found that the body has some diseases, or the product stops selling or related claims, usually face the refusal of insurance.
And love guardian 2021 medical insurance does not have a renewal guarantee, its renewal conditions are not easy to meet, the annual renewal of the conditions of the review, its original terms and conditions are written:
If you have a major illness or claims, for the renewal of the policy there is a high likelihood of being rejected.
Additionally, you can't renew if either of the following two conditions apply: the insured has reached 80 years of age or the product has been discontinued.
Renewal of a medical insurance policy is indispensable for us as consumers to ensure that we get stable coverage in the future, so if you need to take out a product, choose one that can be renewed if your conditions allow it.
Two, Taiping Life Love Guard 2021 is worth buying?
After analyzing the pros and cons of Taiping Life's Love Guardian 2021, which is not very impressive, whether it is worthwhile to start in the end, we need to re-examine how it is cost-effective?
Taking a 30-year-old woman to insure Love Guardian 2021 to measure the premium, a year's premium is going to be 1,488 yuan! That's more than a thousand dollars more than you'd pay for a multimillion-dollar health insurance policy that costs a few hundred dollars, and it's not as comprehensive as other multimillion-dollar health insurance policies that cost a few hundred dollars!
Love guardian 2021 million medical insurance coverage non-highlights are not much, only a low deductible is the most attractive, the basic coverage is not comprehensive enough, and the overall coverage is not very high, the premium is also very high, after understanding that there is no idea to start, the cost is too low.
If you want to choose a wide range of medical insurance and the pursuit of cost-effective friends, you can also understand and compare similar products in the market. The following are a few good quality products that you may want to choose from:
Top 10 Million Dollar Medical Insurance Rankings!
Written in the end
I am the schoolmaster said insurance, focusing on objective, professional, neutral insurance assessment;
If the above content has not solved your problem, you can also come to the public number schoolmaster said insurance consult me;
I will be many years of experience in the configuration of insurance for the 10W + family I will give you the most professional advice with my years of experience in configuring insurance for 10W+ families.
The public number: the school bully said insurance spend less money, buy the right insurance!