Which mean for heavy duty user, then may worth it for purchase Apple care+, I just thinking the battery estimate need to be change once every 2 years, if i not mistaken, change the battery itself already similar to the Apple care+ price.

I still considering whether to purchase it or not.

You are correct, is like a insurance, that provide you the coverage without any question asked, actually I known some of the youtuber which purchase Apple care+ and then test their iphone on any drop test or any accidental damage test, then return to Apple to get another unit (the existing unit is total loss), one of my friend also using this method to get a new iphone just before the coverage expired.