The difference between true love health 2007 and 202 1

Taiping True Love Health 202 1 This product is based on the 2007 edition of True Love Health, and has been upgraded on this basis. Advantages: (1) Full hospitalization guarantee. Taiping True Love Health 202 1 Medical insurance includes hospitalization expenses medical insurance, operation hospitalization expenses medical insurance, hospitalization allowance insurance and intensive care allowance insurance. Hospitalization expenses include bed fee, doctor's consultation fee, treatment fee, operation fee, medicine fee, examination fee, nursing fee, etc. Taiping True Love Health 202 1 Medical Insurance is really good in terms of coverage and comprehensive hospitalization medical security, which can make patients feel at ease during hospitalization. (2) The choice of safety scheme is flexible. Taiping True Love Health 202 1 Medical Insurance allows the insured to choose from four protection plans. The content and amount of guarantee corresponding to each guarantee scheme are inconsistent. The insured can choose the protection scheme according to their own protection needs and budget, which is very intimate. (3)0 deductible. Taiping True Love Health 202 1 Medical Insurance has no deductible limit. 0 deductible, very good! Second, the shortcomings of the product. (1) The guarantee amount is low. Many small medical insurance in the market can generally provide tens of thousands of medical insurance, but the coverage of this product is relatively low, with only 20,000 yuan for hospitalization 1 10,000 yuan, which is not enough. (2) The reimbursement rate is not high. Even if medical expenses are reimbursed by social security, only 90% can be reimbursed. If it is not social security reimbursement, the reimbursement ratio is even lower, and only 60% can be reimbursed. (3) The terms of renewal are unfriendly. The insurance period of this product is one year, and the guarantee renewal is not supported. The renewal of insurance requires the consent of the insurance company, so the change of the insured's health status or historical claims may affect the renewal of insurance, and the conditions for product renewal are general. True Love Health 202 1 is a new micro-medical insurance product recently upgraded by Taiping Life Insurance. This product has four protection plans, which can provide hospitalization expenses, hospitalization surgery expenses, hospitalization allowance and intensive care allowance.