Recently, there has been a product called Star Guardian 2021 medical insurance, which is under the name of Fosun Prudential Life, and it has been widely favored by the public once it was launched, and, moreover, it has caused a wave of fervor in the market.
After all, there are differences between ordinary medical insurance and Star Guardian 2021 medical insurance, the most obvious feature of which is that the medical coverage for illnesses includes mild, moderate and severe illnesses, and includes 3 freely selectable plans!
In that case a doubt arises! Fosun Prudential Star Guardian 2021 medical insurance is worth buying? According to this question, I'm ready to come to a wave of evaluation~
Before we talk about this, I've prepared a comparison table between Fosun Prudential Star Guardian 2021 and the popular million-dollar medical insurance policies, click to collect:Top 10 million-dollar medical insurance policies are synchronized with the latest data again!
I. Is Fosun Prudential Star Guardian 2021 worth buying?
Still the same, the revival of the Prudential Star Guardian 2021 coverage essence of the chart here:
Not guaranteed renewal
Guaranteed renewal in the end what is going on? It's about having coverage for a guaranteed renewable period of time, regardless of whether the insured is in good or bad health, and the insurance company won't refuse to renew the policy because of a change in the insured's health status, a claim, or because the product is facing closure.
In other words, as long as you pay for this insurance, the insurance company must unconditionally cover you during the guaranteed renewal period, no matter what situation you face.
However, Fosun Prudential Star Guardian 2021 is not explicitly renewable, which is not so friendly to those who have poor body resistance, are prone to illness, and have had claims during the period of coverage!
But there is no effect, now look, the vast majority of insurance companies have broken through the traditional insurance renewal system, like beyond the insurance 2020, this million medical insurance will be able to guarantee the renewal of 6 years!
Click on the link below to find out exactly what Beyond Insurance 2020's comprehensive upgrades are!
Two, is there a bright spot in Fosun Prudential Star Guard 2021?
Speaking of Fosun Prudential Star Guardian 2021 is very different from other similar types of million medical insurance, that is, the disease medical insurance liability includes 100 kinds of serious illnesses, 20 kinds of moderate illnesses, 35 kinds of minor illnesses.
Some people will ask, "Isn't this the kind of coverage that a critical illness insurance policy should have? Yes~
In fact, this is the biggest breakthrough of Fosun Prudential Star Guardian 2021!
Fosun Bao Dexin Star Guardian 2021 has a breakthrough is indeed very commendable, this critical illness, moderate and minor illnesses are all it protects, the total **** three only have 2 million insured, means that the protection needs have been met, minor illnesses also claims after, in case of serious illnesses are also diagnosed after, that serious illnesses reimbursement will not be a lot of money!
You should know that those quality critical illness insurance on the market have a maximum of 6 million coverage for critical illness hospitalization, compared to the Fosun Prudential Star Guardian 2021 this product related to the protection, especially the protection of minor and intermediate illnesses is a bit poor, so it seems that their protection is not so good!
Friends, if you want to know more about the results of the Prudential Star Guardian 2021 review, you may want to read this article:Fosun Prudential "Star Guardian 2021" flopped?
Three, the school sister summary
To summarize what I said above, Fosun Bao Dexin Star Guardian 2021 this insurance coverage is really too comprehensive, the shortcoming is that this product is not guaranteed to be renewed, do not care about these shortcomings of the Fosun Bao Dexin Star Guardian 2021 friends, to buy it on a very I'm not sure how much I'm going to be able to afford to pay for it.
However, I'd like to give you a little heads up: after all, there are a lot of great multimillion-dollar medical insurance policies on the market, so compare them all so you can get the right one!
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.
Public number: the school bully said insurance spend less money, buy the right insurance!