Recently, this Taiping Life Insurance Company launched a new product-Aibo 202 1, which is a million yuan medical insurance with a deductible of only 5,000 yuan.
Everyone likes the setting of this deductible, and they all want to insure this new product for the reputation of Taiping Life!
But only with low deductibles? You still need to know clearly before buying insurance.
Friends who want to know about Love Guardian 202 1 may wish to poke the following: Is Taiping Life Insurance "Love Guardian 202 1" cost-effective? Look at this weeding!
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.
As can be seen from the figure, it is relatively easy to protect 202 1, and other protection responsibilities are also good. Let's study its good aspects together.
1, low deductible
You can see at a glance that the biggest highlight of Taiping Aibo 202 1 is the low deductible, only 5,000 yuan.
Besides, the basic million medical insurance on the market now is 1 10,000 deductible. Comparatively speaking, it is more advantageous to set the deductible of Taiping Life Insurance at 5000 yuan, and the burden of medical expenses of the insured will not be so much. No wonder many people are full of praise.
Although the deductible of Love Guardian 202 1 is not large, it is still not easy to get if it is more prominent. At the same time, senior also found many shortcomings:
1, lack of actual guarantee responsibility
These basic security responsibilities are what a good million-dollar medical insurance should have:
Love Guardian 202 1 of Taiping Life Insurance lacks a lot of protection contents, and does not provide special outpatient service, outpatient guard and emergency services before and after hospitalization.
In addition, out-of-hospital specific drugs are a very important guarantee for cancer patients. Many drugs for treating cancer need to be purchased or imported from abroad, and the price is staggering. Through the responsibility of medical insurance, the burden of medical expenses can be greatly reduced, but Aibo 202 1 does not consider it!
2. The guarantee is limited.
Originally, I loved to keep 202 1 and was responsible for ensuring medical insurance and hospitalization allowance for accidental outpatient service. My senior sister was also very happy! Unexpectedly, Taiping Life actually gave me this operation and treated it differently in different schemes:
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. However, this responsibility cannot be applied to all plans, only Plan 3 is applicable!
3. There is no guarantee of renewal.
Millions of medical insurance renewal is the most important. If one year expires, there are some physical problems, or the product is discontinued or there is experience in claims settlement, it is common to be refused insurance.
However, Aibo 202 1 medical insurance cannot be guaranteed in terms of renewal. It has very strict renewal conditions, and the renewal must be reviewed every year. 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 very important to our consumers, which can ensure the stability of our future protection. So I suggest you give priority to products with continuous insurance. For this reason, the senior has also carefully produced a strategy that can help you renew your insurance: how to renew your medical insurance and what should you pay attention to?
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 analyze its cost performance again?
Suppose a 30-year-old woman wants to insure Aibo 202 1. After calculation, her annual premium is actually 1488 yuan! Compared with the millions of medical insurance that can be started with hundreds of dollars in the market, we have to pay more than 1000 yuan, and the protection provided to consumers is far less than other millions of medical insurance with hundreds of dollars!
The protection of Aiweishi 202 1 10,000 medical insurance does not have many bright spots, only the low deductible is the most attractive, the basic protection is not comprehensive, the overall protection is not high, and the premium is still so expensive. On the whole, it is really unsatisfactory, and the cost performance is not high at all.
If you want to buy a friend who has comprehensive millions of medical insurance and pursues cost performance, then learn more about other products on the market. Senior sister selected the following products that she thought were good. Let's take a look: the list of 10 million medical insurance is freshly released!
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