Is "Love Health Million Medical Insurance" an annual consumer insurance?

Brother Bao said insurance, focusing on insurance evaluation! First of all, present a comparison table of millions of medical insurance that loves health and is popular in China, and click on the quick view: What are the good medical insurance recommendations? Inventory of 20 Best-selling Medical Insurance in 2020

Yes, are you considering buying this product? I just made a detailed evaluation of this product some time ago. You can see my answer below if you need it ~

Love for health is a million-dollar medical insurance launched by Sunshine Insurance Company. Speaking of millions of medical insurance, you may know something about it. Spending a few hundred dollars a year can leverage millions of guarantees, which is not too cheap! But cheap is cheap, and it is easy to step on the pit.

In order to avoid detours, I stayed up late to arrange a million medical insurance, so that you can spend the least money to buy the best protection. Please refer to: What are the good medical insurance recommendations? Inventory of 20 Best-selling Medical Insurance in 2020

How about this product? It loves health. Not much to say, first above:

I summed up the following advantages:

1. Selectivity and flexibility: the product has two versions: personal version and home version, and then it is subdivided into basic version coverage 1 10,000, and upgraded version coverage of 3 million.

2. Additional extended proton heavy ion medical expenses insurance: With this, the medical expenses of proton heavy ions can be reimbursed 100%, which is really excellent!

3. Japan's additional medical care: the amount is the same as the main insurance, but 70% is reimbursed. It is better to have high-end medical options than nothing. More medical resources mean more chances of survival.

But I still can't help but vomit its shortcomings:

1. renewal limit: even if claims or health changes, the premium will not be adjusted. You can't buy the product when it stops selling. It's a bit pitted!

2. The special drug service for cancer is not guaranteed: because of the high medical expenses caused by serious illness, the incidence rate is even more helpless. Taking high-priced drugs for a long time is sky-high for ordinary families! So I see that many families are poor because of illness, and it is really pit without this.

There are other shortcomings, so I won't say much. You can go to the article link on the right to see the full version of the analysis: