Senior sister found that many people saw this deductible, which was aimed at the reputation of Taiping Life Insurance, so they wanted to insure it!
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 quick look at the protection form of Taiping Life Insurance 202 1:
As can be seen from the figure, the protection of Love Guardian 202 1 is relatively simple and provides some good protection. Next, let's take a look with senior:
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 biggest highlight of Taiping Love Guardian 202 1 is the low deductible, only 5,000 yuan. At present, the deductible of most millions of medical insurance in the market is 6.5438+0 million yuan. In contrast, the deductible of Taiping Life Insurance means that the burden of the insured on medical expenses 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 Love Guardian 202 1 is very small, it is not enough to see this advantage. At the same time, senior also found many shortcomings:
1, lack of actual guarantee responsibility
A qualified million medical insurance must 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, out-of-hospital specific drugs are also an important guarantee. Many drugs for treating cancer need to be imported from abroad, and the corresponding prices are not very friendly. The setting of specific drugs outside the hospital has greatly reduced the financial burden of patients, but love guardian 202 1 does not include this practical guarantee!
The protection of medical insurance must be clearly seen. If the insurance coverage is insufficient, the premium will be paid in vain.
2. The guarantee is limited.
Love Guardian 202 1 not only provides medical insurance for accidental outpatient service, but also provides hospitalization allowance. Among them, the medical insurance premium for accident outpatient service 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 of this product can be paid for 100 a day, it can only be paid for 180 days at most, and it is only available in the third scheme! Such protection restrictions are really surprising.
3. There is no guarantee of renewal.
For millions of medical insurance, renewal conditions are the key. If one year expires, the insured has some physical problems, or the product is discontinued or has claims experience, and wants to renew the insurance, many medical insurance products that do not guarantee renewal will almost be rejected.
Everland 202 1 medical insurance does not guarantee renewal, and it is necessary to apply to the insurance company every time, and its renewal conditions are not easy to achieve. Let's look at its original terms:
Those who have had a serious illness or have already made claims have a great chance of being refused the next renewal. In addition, if there are two situations: the insured is over 80 years old or the product has stopped selling.
The renewal conditions of million medical insurance are really important to our consumers, which can ensure that we can get very stable protection in the future, so I suggest that you give priority to products with continuous coverage.
Second, Taiping Life Insurance Love Guardian 202 1 Is it worth buying?
After analyzing the advantages and disadvantages of love guardian 202 1 of Taiping Life Insurance, I don't feel very good. Whether it is worthwhile to start, we 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's really more expensive than millions of medical insurance products on the market 1000 yuan, and the coverage is not as good as other millions of medical insurance!
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 want to choose a friend who has a wide coverage and pursues millions of medical insurance with cost performance, you can shop around. The following ten products are very good:
Ten million medical insurance rankings are freshly released!
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
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