Tai ping life love guardian 2021 medical insurance is a million medical insurance, the advantages are mainly with proton heavy ion protection, low deductible, etc.; disadvantages are not guaranteed to renew the policy, accidental medical coverage is missing, etc., in general, the price is average. This medical insurance is more suitable for people with medical insurance needs to buy. When you buy it, you should pay attention to the insurance terms and conditions, make good health notification, and choose the most suitable coverage for yourself according to your budget and needs.
As long as the matter is related to health, it will be able to get everyone's attention, if they do not have to spend too much money to see the doctor for treatment, it is really great.
Recently, this new product, Love Guardian 2021, was launched by Taiping Life, which is a million-dollar medical insurance with a deductible of only $5,000.
With this deductible and the reputation of Taiping Life, most of the people are thinking of getting insured!
Can we start simply by looking at the low deductible? All insurance policies on the market need to be analyzed before taking out a policy.
Here's what Love Guardian 2021 covers, poke and prod for a sneak peek:"Is Taiping Life Love Guardian 2021 worth buying?
I. How is Taiping Life Love Guardian 2021 coverage?
We'll start by analyzing the chart of Taiping Life's Love Guard 2021 coverage:
Looking at the chart, we can see that the coverage of Love Guard 2021 isn't complicated, and then we'll look at what's good about it with my sister.
The biggest highlight of Taiping Life's Love Guard 2021 is the low deductible of only 5,000 yuan.
Now most of the million medical insurance deductible is 10,000 yuan, and
While the love guardian 2021 deductible is less, but this alone is not enough to be worthwhile to start, it is in these areas it also needs to be strengthened:
1, the lack of practical protection responsibility
An outstanding million
But the Pacific Life Love Guard 2021 has a lot of coverage that doesn't include special outpatient, outpatient guardianship, outpatient and emergency care before and after hospitalization, all of which are not available.
Additionally, the coverage of out-of-hospital special drugs is very important for cancer patients, as many drugs for cancer treatment need to be imported from abroad, and the corresponding prices are very high. If the medical insurance can reimburse the out-of-hospital medicines, it can reduce a lot of burden for the insured. Unfortunately, Love Guardian 2021 does not provide the corresponding coverage!
2. Coverage is limited
This Love Guardian 2021 has accidental outpatient medical insurance and hospitalization allowance coverage in the coverage item, which my sister also thinks is excellent! Surprisingly, Taiping Life is actually divided into different plans for protection:
Accidental outpatient medical insurance benefits are divided into three protection plans, plan one does not provide this protection, plan two and plan three correspond to different limits, respectively, 20,000, 50,000.
There is also its hospitalization allowance that can pay $100 a day for a maximum of 180 days, but only plan three offers this responsibility!
3, can not guarantee the renewal
Million medical insurance is the most important part of the renewal, if the expiration of a year later, the body found a problem, or the product is not sold or there has been a claim, usually face the refusal of insurance.
And love guardian 2021 medical insurance can not guarantee the renewal of this product, the renewal conditions of this product is harsh, every year to renew the policy has to be reviewed, we look at its original terms:
If you have suffered from a serious illness during the insurance period or have a claim, there is a great likelihood of being refused to renew the policy.
Again, Love Guardian 2021 also has a provision that the insured will not be accepted for renewal if he or she is over 80 years old or the product has been discontinued.
Renewal of the million medical insurance is of great importance to us consumers to ensure that we all have stable coverage in the future, so I suggest that we prioritize the products that can guarantee the renewal of the policy. Therefore, my sister has also prepared a strategy for you to add a guarantee for the smooth renewal of your policy:"How to renew your medical insurance, an analysis of the article!
Two, Taiping Life Love Guard 2021 is worth buying?
Whether it is suitable to buy, we have to then consider how it is cost-effective?
After projections, a 30-year-old woman insuring Love Guardian 2021 would cost as much as 1,488 yuan a year! Compared with the market only need a few hundred dollars of premium million medical insurance, but also more than a thousand more, and with other hundreds of dollars of million medical insurance big coverage compared to the content is still relatively far!
Love guardian 2021 million medical insurance coverage highlights are not much, the basic coverage is less comprehensive, and the amount of coverage is not high, the premium is still so expensive, the whole product is not quite worth buying.
If you want to buy a more cost-effective million-dollar medical insurance, the following are a few worthy products that my sister helped you pick out, you can refer to them:"Top 10 million-dollar medical insurance rankings freshly released!
Written in the end
I am the school bully 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 of the school bully said insurance consulting me;
I will take years of 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!