Recently, Fosun Prudential Life launched a medical insurance called Star Guardian 2021. It was liked by most people as soon as it was launched, and it even aroused heated discussions in the market.
After all, Star Guardian 2021 medical insurance is different from ordinary medical insurance, especially in terms of disease medical coverage, which includes mild, moderate and severe diseases. It has outstanding advantages, and there are 3 plans, and the choices are also Flexible!
This will create a doubt! Is Fosun Prudential Star Guardian 2021 medical insurance reliable? In order to solve this question, let’s evaluate it together~
Before the evaluation, I would like to say one more thing. You can refer to this comparison table between Fosun Prudential Star Guardian 2021 and the popular million-dollar medical insurance. Remember to like and collect: the latest top ten million-dollar medical treatments have been updated again!
1. Is Fosun Prudential Star Guardian 2021 worth buying?
It’s still the same, here is the insurance highlight picture of Renaissance Prudential Star Guard 2021:
No guarantee of renewal
Let’s talk about the guarantee first Renewal means ensuring that within the renewal time limit, the insurance company will not refuse to renew the policy due to changes in the insured's physical condition, claims, or the product is being discontinued.
It can be said that as long as you take out this insurance, within the time range that is guaranteed to be renewed, no matter what happens to the insured, the insurance company will unconditionally underwrite it. .
However, the renewal of Fosun Prudential Star Guardian 2021 cannot be guaranteed. It is not very friendly to friends who have poor physical resistance, are prone to getting sick, and have had claims during the coverage period!
But it has no impact. At present, many insurance companies have made new innovations in insurance renewal. For example, Chaoyue Insurance 2020, a million-dollar medical insurance, can guarantee renewal for 6 years!
The link is here, friends in need can pick it up: I have been waiting in vain for the upgrade of Beyond Insurance 2020!
2. Are there any bright spots in Fosun Prudential Star Guardian 2021?
Compared with other products of the same type, the biggest highlight of Fosun Prudential Xing Wuyou 2021 is the coverage: 100 types of critical diseases, 20 types of moderate diseases, and 35 types of mild diseases.
Some friends will be confused. Isn’t this protection responsibility included in critical illness insurance? That’s right~
In fact, Fosun Prudential Star Guardian 2021 also breaks its previous insurance mechanism!
The changes in Fosun Prudential Star Guardian 2021 based on the health needs of customers are good, but the critical illness, moderate illness and mild illness it covers only enjoys an insurance coverage of 2 million, which means As long as you are diagnosed with a mild illness and have made a claim, if you get a disease later and it is diagnosed as a serious illness, the reimbursement amount will be reduced!
You must know that the high-quality critical illness insurance on the market has a maximum insured amount of 6 million for critical illness hospitalization. In comparison, Fosun Prudential Star Guardian 2021 really provides protection for mild and moderate illnesses. It’s not very good. Generally speaking, their guarantee is not very good compared to other products!
The evaluation results of Prudential Star Guard 2021 have been compiled for everyone. You can check this article: Fosun Prudential Star Guard 2021 is fully guaranteed? Wake up!
3. Senior Sister’s Summary
To sum up, the protection content of Fosun Pramerica Star Guard 2021 is really comprehensive. The only drawback is that this product does not For partners who are guaranteed to renew their insurance and don’t care about the shortcomings of Fosun Prudential Star Guardian 2021, it’s okay to buy it.
However, I still want to give everyone a vaccination: after all, there are many kinds of million-dollar medical insurance on the market. You need to compare them one by one, so that you can buy the right one!
Write it at the end
I am a top scholar who talks about insurance, focusing on objective, professional and neutral insurance evaluation;
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