Recently, there is a new product on the market, called Star Guardian 2021 medical insurance, which is launched by Fosun Prudential Life, and when it was launched, it was widely praised by the public, but also caused a heated controversy in the market.
After all, there is still a difference between the Star Guardian 2021 medical insurance and ordinary medical insurance. The disease medical coverage includes minor, moderate and serious illnesses, this is the biggest point of distinction between the two, and there are 3 plans, and the choice is also flexible!
The question that arises is! Is Fosun Prudential Star Guardian 2022 medical insurance worth our money? In order to solve this query, Sister School is ready to come up with a wave of reviews~
Before solving the problem, you can refer to this comparison table between Fosun Prudential Star Guardian 2021 and popular millionaire's medical insurance policies by clicking on Favorites:The latest rankings of the top 10 millionaire's medical insurance policies are out!
I. Is Fosun Prudential Star Guardian 2021 worth buying?
The outstanding place of Fosun Prudential Star Guardian 2021 is still listening to my narration:
No guaranteed renewal
Come to explain the guaranteed renewal, this guaranteed renewal is in the term of the guaranteed renewal, the insurance company will not be due to the insured person's physical condition changes, claims, or the product is facing suspension of sale and refused to renew the policy. or the product is facing closure and the insurance company refuses to renew the policy.
To put it this way, as long as the insurance is bought, when in the guaranteed renewal of this time frame, no matter what events you suddenly, the insurance company must be unconditional to cover.
However, Fosun Prudential Star Guardian 2021 is not guaranteed to be renewed, which is not so friendly to those who are not physically resilient, are prone to illness and have had claims during the period of coverage!
In terms of renewal, the breakthroughs of insurance companies are now evident, like the Beyond Insurance 2020, a multi-million medical insurance policy that guarantees renewal for six years!
Here's the link so you can click on it for yourself:What exactly is the comprehensive upgrade of Beyond Insurance 2020!
Second, is there a bright spot in Fosun Prudential Star Guard 2021?
To say that the biggest difference between Fosun Bao Dexin Star Guardian 2021 and similar million medical insurance is that this product has 100 kinds of critical illnesses + 20 kinds of moderate illnesses + 35 kinds of minor illnesses protection, comprehensive disease protection.
Some of my friends just don't understand, isn't this the responsibility of critical illness insurance?
In fact, this is the biggest breakthrough of Fosun Prudential Star Guardian 2021!
Fosun Bao Dexin Star Guardian 2021 in order to enrich the content of the protection responsibility, is still worthy of everyone's favorite, for it provides critical illness, moderate illness and minor illness protection, but the total amount is only 2 million coverage, meaning that minor illness caused by the claim, in case of the subsequent life in the unfortunate get a serious illness, serious illness can be reimbursed the amount of less!
It is important to know that those high quality critical illness insurance policies in the market have a maximum of 6 million coverage for hospitalization for critical illnesses. In contrast, the coverage of Fosun Prudential Star Guardian 2021, especially for minor and moderate illnesses, is a bit poor and they are not good enough in general!
If there are partners who are interested in more reviews about the Fidelity Star Guardian 2021, this article will tell you the answer:Foundry Star Fidelity Star Guardian 2021 Full Coverage? Wake up!
Three, sister summary
All in all, Fosun Bao Dexin Star Guardian 2021 coverage is still relatively complete, the beauty of this product does not guarantee the renewal of the product, if you are not particularly concerned about this shortcoming of the Fosun Bao Dexin Star Guardian 2021, you can choose to start.
However, I would like to give you a little advice: after all, most of the million medical insurance policies on the market are very good and excellent, so make a comparison and then decide which one you want to buy!
Written in the end
I am the schoolmaster said insurance, focusing on objective, professional, neutral insurance assessment;
If the above content has not solved your problem, you can also come to the public number schoolmaster said insurance consult me;
I will be many years of experience for the configuration of the insurance for the 10W + family, to give you the the most professional advice.
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