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.
With this deductible and the reputation of Taiping Life, most people want to take out insurance!
But the deductible is low. Must we insure it? Cautious people, when considering insurance, must first analyze clearly.
Here is also a simplified version of the evaluation, interested friends poke it:
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 first study the protection form diagram of Taiping Life Care Guardian 202 1, which is easier to understand:
As can be seen from the figure, the safeguard components of Aibo 202 1 are relatively easy, and some safeguard responsibilities are quite excellent. Let's analyze its bright spot: the deductible is small.
You can see at a glance that the biggest highlight of Taiping Aibo 202 1 is the low deductible, only 5,000 yuan.
And now most of the millions of medical insurance deductibles on the market are 1 1,000 yuan. After comparison, the deductible of Taiping Life Insurance is generally only 5,000 yuan, and the medical expenses that the insured needs to bear will be much less. No wonder many people are tempted.
But the deductible is relatively small, is it good for us? Senior recommended everyone to read this article:
What is the deductible? Is the deductible as small as possible? 》
Although the deductible of Aibo 202 1 is low, it is not satisfactory, and Senior Sister also found out many shortcomings of it:
1, lack of actual guarantee responsibility
Next, this part of the basic security responsibility is what a qualified million medical insurance must have:
However, Love Guard 202 1 of Taiping Life Insurance has many safeguards, such as special outpatient service, outpatient guard, emergency treatment before and after hospitalization, etc.
In addition, for cancer patients, out-of-hospital specific drugs are a very important guarantee. Many drugs for treating cancer need to be imported or purchased from outside, which is expensive. The responsibility of medical insurance can greatly reduce the burden of medical expenses. This guarantee responsibility is also missing!
What are the guarantees of medical insurance? Be sure to read it carefully before you insure it. If the insurance coverage is not enough, it is no different from buying.
2. The guarantee is limited.
It turns out that this love guardian 202 1 not only comes with accidental outpatient medical insurance but also hospitalization allowance, and the senior sister also thinks it is excellent! Unexpectedly, Taiping Life has made this move, and different schemes favor one over the other:
The medical insurance premium limits of accident outpatient service and emergency service of different insurance plans are 20,000 and 50,000 respectively, while the plan 1 has none!
In addition, the hospitalization allowance can be paid 100 yuan a day, but the payment days cannot exceed 180 days. The scope of application of this responsibility is only Scheme 3!
3. There is no guarantee of renewal.
Millions of medical insurance renewal is the most important. If one year expires, there will be physical problems, or the products will not be sold, and claims will occur. It is common to be refused insurance.
However, Aibo 202 1 Medical Insurance cannot guarantee renewal. If you have had a serious illness or made a claim before, you will probably be refused to renew your insurance.
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 a key part for our consumers, which can ensure that we can get stable protection in the future. When we need to insure products, we choose products with relaxed renewal conditions when conditions permit.
Second, Taiping Life Insurance Love Guardian 202 1 Is it worth buying?
After analyzing the advantages and disadvantages of Love Guardian 202 1 of Taiping Life Insurance, it is found that it is not ideal. Is it worth buying? We need to see how cost-effective it is.
Suppose a 30-year-old woman wants to insure Aibo 202 1. After calculation, her annual premium is actually 1488 yuan! Compared with millions of medical insurance products with a premium of several hundred dollars on the market, it is more than one thousand dollars, which is far from other millions of medical insurance protection with several hundred dollars!
The guarantee of 202 1 10,000 medical insurance does not have many bright spots, and the basic guarantee is not so comprehensive. And the overall insurance amount is really not high, and the premium is still a lot of money. After understanding, there is no idea to start at all, and the cost performance is very low.
Want to buy millions of medical insurance, want to meet the cost-effective and comprehensive protection, it is better to look at other products on the market.
The senior selected these models for you, and the quality is good. You may want to choose one:
Ten million medical insurance rankings are freshly released! 》
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