Taiping Life will launch a new product in the near future, which is a million-dollar medical insurance with a deductible of only 5,000 yuan-Aibo 202 1.
Aiming at the reputation of the Pacific Ocean and this deductible, many people want to insure!
Can you simply look down on the deductible? Insurance on the market needs to be analyzed first, and then considered for insurance.
Friends who want to know more about Aibo 202 1 can poke here: Taiping Life's "Aibo 202 1" is a big rip!
1. What about the protection of Taiping Life Insurance 202 1?
Let's take a look at the protection form diagram of Taiping Life Care 202 1, which will be easier to understand:
Looking at the picture, we can see that the protection of Aibao2021is not complicated, and some protection responsibilities are quite satisfactory. Now let's look at its advantages:
The deductible is not large.
The biggest highlight of Taiping Aibo 202 1 is the low deductible, only 5,000 yuan.
Moreover, the deductible of most millions of medical insurance in the market is 6.5438+0 million yuan. After comparison, Taiping Life only gave the insured a deductible of 5000 yuan, which reduced the burden of medical expenses paid by the insured himself to some extent. No wonder many people like it.
But the deductible is not much. Do the advantages really outweigh the disadvantages for us? Senior, let's analyze the trap of deductible: what is deductible? Is the deductible as small as possible?
Even if the deductible of Aibo 202 1 is not that big, it is not enough for us to place an order. In addition, there are many areas that need to be improved:
1, lack of actual guarantee responsibility
These basic safety responsibilities listed below should be included as a good million-dollar medical insurance:
Unfortunately, there are many loopholes in the protection content of Taiping Life Insurance's Love Guard 202 1, which does not provide special outpatient service, outpatient guard and emergency services before and after hospitalization.
In addition, out-of-hospital specific drugs are an indispensable guarantee for cancer patients. Many drugs for treating cancer need to be purchased from outside or even imported from abroad, and the price is not low. The responsibility of medical insurance can greatly reduce the burden of medical expenses, but love guardian 202 1 does not provide such protection!
We must deeply study the protection of medical insurance. If the insurance coverage is not sufficient, it is no different from not buying.
There are still many pits like these medical insurance. If you meet them, be careful: please be careful when you meet these medical insurances!
2. The guarantee is limited.
This security project of Aibao 202 1 includes medical insurance for accidental outpatient service and hospitalization allowance, and senior sister also thinks it is excellent!
But no one expected that Taiping Life set different quotas for different plans:
The medical insurance premium limits of accident outpatient service and emergency service of different insurance plans are 20,000 and 50,000 respectively, but the plan 1 has none!
In addition, the hospitalization allowance is 100 yuan per day, and the maximum compensation is only 180 days. This responsibility only applies to scheme 3!
3. There is no guarantee of renewal.
It is very important to renew the millions of medical insurance. If it expires after one year, there will be physical problems, or the product will be discontinued, and a claim will be made ... Usually, in these cases, you may face a refusal of insurance.
However, Aibo 202 1 Medical Insurance cannot guarantee the renewal, and the renewal conditions of this product are still very harsh, and the renewal should be reviewed every year.
Let's look at its original terms:
If you have had a serious illness or made a claim, you are likely to be refused renewal.
In addition, Aibo 202 1 also stipulates that if the insured reaches the age of 80 or the product has stopped selling, it will no longer accept renewal.
The renewal of millions of medical insurance plays an important role for our consumers, which can ensure that we can get stable protection in the future. Friends who want to configure can give priority to products that can be renewed.
Second, Taiping Life Insurance Love Guardian 202 1 Is it worth buying?
After analyzing the advantages and disadvantages of Aibo 202 1 products of Taiping Life Insurance, it is found that they are not very good. Is it worthwhile to start and need to study its cost performance again?
For example, if you are a 30-year-old woman, after calculating the premium, you find that 1 year needs 1488 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!
Love Guarding 202 1 10,000 medical insurance has few highlights, the basic protection is not so comprehensive, the overall protection is also high, and the premium is not low. After reading it, there is really no desire to buy, and the cost performance is very low.
If you pursue cost performance and want to have comprehensive medical insurance of one million yuan, it is necessary to analyze other products on the market.
Write it at the end
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