Recently, 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 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! Be cautious before taking out insurance, analyze before talking.
Love Guardian 202 1 Please poke here for details:
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, minus deductible.
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. Comparatively speaking, the deductible setting of Taiping Life Insurance means that the burden of the insured on medical expenses is much less. No wonder so many people want to insure.
But is a small 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 Aibo 202 1 is very small, it cannot be the main reason for us to buy it, and this product still has many defects:
1, lack of actual guarantee responsibility
As a good million medical insurance, it should include the following basic protection 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 the protection of out-of-hospital specific drugs, cancer patients are in great need. Many drugs for treating cancer need to be purchased or imported from abroad, and the corresponding prices are not very friendly. To a large extent, the insured can reduce the burden of medical insurance through the responsibility of medical insurance protection, which is also missing in this product.
Be sure to read the protection of medical insurance before you apply for insurance. If the insurance coverage is not enough, it is no different from not buying.
2. The guarantee is limited.
This love guardian 202 1 has not only the accidental outpatient medical insurance but also the hospitalization allowance, in which the accidental outpatient medical insurance is divided into three plans. Except for Scheme 1, 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!
Because of such security restrictions, it is unfriendly to people with insufficient budgets.
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.
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 the insured has been seriously ill or has made claims, the possibility of refusing to renew the insurance is very high. In addition, if there are two situations: the insured is over 80 years old or the product has stopped selling.
The renewal of millions of medical insurance is really important for our consumers, which can ensure that we can get long-term and stable protection 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?
After analyzing the advantages and disadvantages of Aibo 202 1 of Taiping Life Insurance, we can see that the performance of this product is relatively average. Should I buy it or not? We have to analyze 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! Compared with the millions of medical insurance that only needs a few hundred dollars in premium on the market, 1000 yuan, the protection provided to consumers is far less than other millions of medical insurance with several hundred 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!
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