Recently, Taiping Life Insurance listed a new product-Aibo 202 1, and the deductible of this million-dollar medical insurance is only 5,000 yuan. Many customers come for the reputation of Taiping Life Insurance, and they also take a fancy to this deductible, so they are ready to take out insurance!
Is this product worth insuring? Senior, let's give you a detailed evaluation!
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:
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. At present, the deductible of most millions of medical insurance in the market is 1 10,000 yuan. After comparison, it can be seen that this product reduces the burden of medical expenses of the insured, no wonder so many people want to insure.
But the deductible is relatively small, is it 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
A good 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, cancer patients are in great need of the protection of specific drugs outside the hospital. Many drugs for treating cancer need to be imported from abroad, and the corresponding prices are not very friendly. To a great extent, the burden of medical insurance can be reduced through the responsibility of medical insurance, which is what this product lacks!
The protection of medical insurance must be clearly seen. If the protection is not sufficient, paying the premium is equivalent to wasting money.
2. The guarantee is limited.
This protection project of Aibo 202 1 includes not only medical insurance for accidental outpatient service, but also hospitalization allowance. Accident outpatient medical insurance is divided into three plans. Except for one scheme, the other two schemes correspond to 20,000 and 50,000 respectively. 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 restrictions are really unfriendly.
3. There is no guarantee of renewal.
When choosing millions of medical insurance, the most important consideration is renewal. If it expires after one year, the body finds a problem, or the product stops selling or there are related claims, usually the insured will face refusal.
Love Guardian 202 1 Medical insurance does not guarantee renewal, and you must apply for renewal every time. Its renewal condition is not easy to achieve. Let's look at its original terms:
If you have had a serious illness or have already made a claim, there is a high probability that you will be refused to renew your insurance. Moreover, if the insured is over 80 years old or the product is discontinued, it cannot be renewed according to the provisions of Aibao 202 1.
The renewal of million medical insurance is really important for our consumers, which can ensure that we can get a very stable guarantee in the future, so I suggest that you give priority to products with continuous insurance.
Second, Taiping Life Insurance Love Guardian 202 1 Is it worth buying?
The advantages and disadvantages of Aibo 202 1 of Taiping Life Insurance are analyzed. We can see that the performance of this product is relatively average, whether it is worth buying or not, and 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 there is still a certain gap compared with other millions of medical insurance with hundreds of dollars!
Aibao 202 1 10,000 medical insurance has few highlights, the basic guarantee is not so comprehensive, and the overall coverage is not high. The key point is that the premium is not cheap, and it is really impossible to pick a 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
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