Don't start reading in a hurry. This article will help us learn more about Taiping Life Insurance Company:
Is it affordable to buy Taiping life insurance? These products need more attention ... "
1. Taiping True Love Health 202 1 What does medical insurance cover? What are the advantages and disadvantages?
Let's take a look at the product form of Taiping True Love Health 202 1 Medical Insurance:
Taiping True Love Health 202 1 Medical Insurance is a medical insurance introduced by Taiping Life Insurance Company, which is divided into four protection plans. The insured age is from 28 days of birth to 60 years old, and the guarantee period is 1 year.
1, advantages:
(1) Full hospitalization guarantee.
Taiping True Love Health 202 1 Medical insurance covers hospitalization expenses, hospitalization operation expenses, hospitalization allowance and intensive care allowance. Among them, hospitalization expenses include bed fee, doctor fee, treatment fee, operation fee, medicine fee, examination and laboratory fee, nursing fee, etc.
In terms of security content, Taiping True Love Health 202 1 medical insurance is truly comprehensive in hospitalization medical security, and patients can be hospitalized with peace of mind.
(2) The choice of safeguard scheme is flexible.
Taiping True Love Health 202 1 Medical Insurance has set up four protection plans to choose from, and the corresponding protection content and coverage of each plan are different. The insured can choose a protection plan that matches his own protection needs and budget, and there is a lot of room for choice.
(3)0 deductible
Different from other medical insurance, there is no deductible limit for the payment of the four security funds of Taiping True Love Health 202 1 Medical Insurance. 0 deductible is super awesome! It will be easier for the insured to get compensation. Should I choose more or less deductibles? You will know after reading this article:
Do you know the deductible? Should I choose more or less deductibles? 》
2. Disadvantages:
(1) The insured amount is not high, and the proportion of compensation is low.
The hospitalization expenses of Taiping True Love Health 202 1 medical insurance are only 20,000 yuan, but there are many medical insurances higher than this, 65,438+200,000 yuan or even higher, so there is still a big gap between this insurance coverage of Taiping True Love Health 202 1.
Taiping True Love Health 202 1 has a medical insurance payment ratio for hospitalization expenses and hospitalization operation expenses: 90% of the insured amount can be paid after social security settlement, and 60% of the insured amount can be paid without social security settlement, while some products on the market get 100% of the insured amount after social security settlement, and 80% of the insured amount without social security.
It can be seen that Taiping True Love Health 202 1 Medical Insurance is weaker than other similar products on the market in terms of coverage and payment ratio.
Second, Taiping True Love Health 202 1 Is medical insurance worth buying?
In the final analysis, Taiping True Love Health 202 1 Medical Insurance is the best in inpatient medical insurance, and its other major feature is 0 deductible! It can be seen as a guarantee for millions of medical insurance with deductible to fill in the deductible.
If the goal is to protect more affordable friends, you can look at other products. In the final analysis, Taiping True Love Health 202 1 Medical insurance is not competitive and seriously ill. This medical insurance comparison table compiled by senior sister can refer to:
"The latest release! Comparative Table of Domestic Excellent Medical Insurance for 10,000 People
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