In a few days, Taiping Life Insurance will launch this new product-Love Guardian 202 1, which is a million yuan medical insurance with a deductible of 5,000 yuan.
Many parents are optimistic about this deductible and can't help but want to insure the reputation of Taiping Life!
Is it necessary to configure it because the deductible is low? Insurance in the market needs to be analyzed before insurance.
If you want to know more about the protection of Guardian of Love 202 1, please read this article:
Taiping Life's "Love Guardian 202 1" evaluation! 》
1. What about the protection of Taiping Life Insurance 202 1?
Let's first analyze the protection form of Taiping Life Insurance 202 1:
Judging from the picture information, the protection content of Aibo 202 1 is not much, and some other protection responsibilities are well designed. Well, let's take a look at its advantages: the deductible is not high.
You can see at a glance that the biggest highlight of Taiping Aibo 202 1 is the low deductible, only 5,000 yuan.
Moreover, the deductible of 1 1,000 yuan is the condition of most millions of medical insurance in the market. After comparison, Taiping Life only gives the insured a deductible of 5,000 yuan, and the medical expenses that the insured needs to bear will be much less. No wonder many people are heartbroken.
However, Taiping Love Guardian 202 1 also has a lot to improve:
1, lack of actual guarantee responsibility
A good million-dollar medical insurance should have the following basic security responsibilities:
However, Love Guardian 202 1 of Taiping Life Insurance lacks many security contents, such as special outpatient service, outpatient care and emergency treatment before and after hospitalization.
In addition, the protection of specific drugs outside the hospital is very important for cancer patients. Some drugs used to treat cancer need to be imported from abroad, while others need to be purchased from outside. At the same time, the price is relatively expensive, and the burden of medical expenses can be greatly reduced through the responsibility of medical insurance, but Aibo 202 1 does not have this guarantee!
Be clear about the protection of medical insurance. If you don't buy enough insurance, the premium will be paid in vain There are many pitfalls in medical insurance like these. If you find them in the future, you should take a closer look:
Please be careful when you encounter these medical insurances! 》
2. The guarantee is limited.
Love Guardian 202 1 Not only has medical insurance for accidental outpatient service, but also hospitalization allowance. Senior sister still thinks it's very good! Surprisingly, however, Taiping Life has regulations on this, and different plans have different regulations:
There are two kinds of medical insurance premiums for accident clinics, 20,000 and 50,000 respectively, which are different according to different insurance schemes, but there is no such thing as scheme one!
In addition, its hospitalization allowance can be paid 100 yuan a day, and it can be paid at most 180 days, but this responsibility only applies to scheme 3!
3. There is no guarantee of renewal.
The most important thing for millions of medical insurance is renewal. If one year expires, there are some physical problems, or the products cannot be sold or have been claimed, almost all of them will be rejected.
However, Aibo 202 1 Medical Insurance does not guarantee renewal, and its renewal conditions are still very strict. Updates are reviewed every year. Its original terms are as follows:
As long as you have had a serious illness or have settled claims, you should not be able to renew your insurance.
In addition, according to the provisions of Aibao 202 1, there are two situations in which the renewal of insurance is not accepted, that is, the insured has reached the age of 80 or the product has stopped selling.
Second, Taiping Life Insurance Love Guardian 202 1 Is it worth buying?
The products of Aibo 202 1 of Taiping Life Insurance have been analyzed, and the overall performance is average. Is it suitable for purchase? We have to consider its cost performance again?
Taking 1 30-year-old women as an example, it is calculated that the annual premium of/kloc-0 is as high as 1 .488 yuan! It is higher than the premium of millions of medical insurance on the market 1000 yuan, and the protection provided to consumers is far less than other millions of medical insurance with hundreds of dollars!
There are not many bright spots in the protection of Aibo 202 1 10,000 medical insurance, only the deductible is the most attractive, the basic protection is not comprehensive, the overall coverage is still relatively low, and the premium still needs to pay a lot of money. On the whole, it's really unsatisfactory and totally not worth buying.
If you want to buy millions of inexpensive medical insurance, a better way is to compare it with other products on the market. Senior sister has found the following products with good quality, so you may wish to choose them:
Ten million medical insurance rankings are freshly released! 》
Write it at the end
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