After all, there are obvious differences between medical insurance of Star Guardian 202 1 and general medical insurance. Medical insurance for diseases includes mild, moderate and severe diseases, which is their biggest difference, and there are three plans, so the choice is flexible!
So it is inevitable that there will be confusion! Is Fosun Prudential Satellite Guardian 202 1 worth our insurance? Facing this problem, let's evaluate it together ~
Before the evaluation, it's best to take a look at the comparison table between Fosun Prudential Star Guardian 202 1 and popular millions of medical insurance collected by the senior sister, and write down in the notebook: Let's take a look at the latest top 10 million medical insurance!
1. Fosun Baode Baoxing Guardian 202 1 Is it worth buying?
Let me explain the highlights of Fosun Prudential Satellite Guardian 202 1:
Not much to say, just to the point:
1, renewal is not guaranteed.
Guaranteed renewal means that the insurance company can get corresponding protection during the guaranteed renewal period, and the insurance company will not refuse to renew the insurance because the insured's physical condition changes, claims occur or the insurance is about to stop selling.
A better understanding is that as long as you take out this insurance, the insurance company can unconditionally underwrite whatever happens to you during the renewal period.
However, Fosun Baode Baoxing Guardian 202 1 is not covered by the renewal, and it is not very friendly to friends who have poor physical resistance and are prone to illness and have made claims during the protection period!
However, this is acceptable. Now many insurance companies have broken the foundation of the original insurance renewal. For example, millions of medical insurance such as Bao Chao 2020 can be renewed for 6 years!
Welcome those who want to know to open this link: the newly upgraded beyond insurance 2020 really made me wait in vain!
2, general hospitalization medical insurance is less.
During the insurance period, the insured suffers accidental injury or illness. After the waiting period, he must be treated in a hospital approved by the insurance company, and the treatment place can only be general internal medicine. Next, the insurance company will pay the insured 2 million yuan to pay the general hospitalization medical insurance.
Generally, the reimbursement of hospitalization medical expenses in the market can reach 3 million yuan or more, which is also considered as high-quality million-dollar medical insurance.
Fosun Prudential Satellite Guardian 202 1 still has a chance to improve its security!
3, proton heavy ion protection is general.
Proton heavy ion therapy technology has been among the best in China and belongs to the recognized frontier technology of radiotherapy. The effect of treating cancer is obvious, and the harm to human body is very small!
However, due to the scarcity of resources at present, it is really too expensive to treat diseases with proton heavy ion radiotherapy. The proton heavy ions of Fosun Prudential Satellite Guardian 202 1 only contain 100% reimbursement. Fortunately, the proton heavy ions of Fosun Prudential Satellite Defender 202 1 can be reimbursed 100%, which, like most products, is nothing to boast about ~
What I told you above are the shortcomings of Fosun Baode Satellite Guardian 202 1. Is this product really useless? I really don't want to mention it, but it's not. In fact, Fosun Baode Emerging Guardian 202 1 this insurance product has a function that senior sister thinks is great!
2. What are the highlights of Fosun Baode Satellite Guardian 202 1?
Compared with other similar products, the biggest way out for Fosun Baode Baoxing Worry-Free 202 1 is to cover 100 kinds of serious diseases, 20 kinds of moderate diseases and 35 kinds of mild diseases.
If you have friends, you will wonder, isn't this the protection responsibility of critical illness insurance? Yes ~
In fact, this is also the biggest breakthrough of Fosun Prudential Satellite Guardian 202 1!
It is commendable that Fosun Baode Satellite Guardian 202 1 has "grown". However, although medical insurance for diseases has expanded the scope of mild and moderate diseases, it seems that the scope of diseases is wider, but it is not practical. When making claims, you need to use up the amount of general hospitalization before you can use the disease medical treatment. The treatment cost of mild and moderate diseases is not high, and general hospitalization is enough.
You know, those high-quality critical illness insurance on the market have a maximum coverage of 6 million. In contrast, Fosun Prudential Satellite Guardian 202 1 is not doing very well in the protection of mild and moderate diseases, so it seems that their protection is not so good!
Want to know the evaluation results of Prudential Star Guardian 202 1, please read this article: Is Fosun Prudential Star Guardian 202 1 really worth buying?
Third, the summary of the senior sister
On the whole, the guarantee content of Fosun Prudential Satellite Guardian 202 1 is still very comprehensive. The only fly in the ointment is that this product is not guaranteed to be renewed, and the ordinary medical insurance is strong, and the sick medical insurance benefits are available. Friends who don't care about the shortcomings of Fosun Prudential Satellite Guardian 202 1 are well worth buying.
However, the seniors here should suggest reconsideration. After all, the most important thing in the market is a good million-dollar medical insurance. Compare and decide which one to buy!
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
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I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
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