Fosun Baodexing Guardian 2021 Medical Insurance is a relatively special medical insurance. The main advantages are disease coverage, including mild, moderate and severe diseases, and complete general medical coverage. The main disadvantages are that it is not guaranteed. Renewal and general medical protection are low, generally not very reliable, and the relative premiums are not very cheap either.
Not long ago, Fosun Prudential Life launched a new product, medical insurance named Star Guardian 2021. Once launched, it was widely praised by the public.
Because, Star Guardian 2021 medical insurance is still very different from previous ordinary medical insurance. The most obvious feature is that disease medical insurance covers mild, moderate and severe diseases, and includes 3 You can choose your plan freely!
At this time, there will be a question: Is it necessary to purchase Fosun Prudential Star Guardian 2021 medical insurance? Faced with this problem, let’s study it in depth with my senior sister~
Before the evaluation, I would like to say one more thing. It is recommended that everyone refer to this popular million-dollar medical insurance ranking list compiled by my senior sister. Hurry up and collect it: the latest ranking of the top ten million-dollar medical insurance is out!
1. Is Fosun Prudential Star Guardian 2021 worth buying?
As usual, the best seniors of Fosun Prudential Star Guardian 2021 are listed one by one:
I won’t talk about what is there and what is not, let’s just talk about the key points:
1. No guarantee of renewal
Let me explain the guaranteed renewal. This guaranteed renewal means that within the period of guaranteed renewal, regardless of whether the insured’s physical condition is good or bad, the insurance company will The company has the right not to accept claims, the insurance product will be discontinued, and your insurance renewal will be refused.
From another perspective, as long as the insurance is successfully purchased and within the guaranteed renewal period, no matter what happens to the insured, the insurance company cannot refuse the insurance.
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 doesn’t matter. Looking at it now, most insurance companies have broken through the traditional insurance renewal system. 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: The newly upgraded Beyond Insurance 2020 really made my wait in vain!
2. The general hospitalization medical insurance benefit is low
The general hospitalization medical insurance benefit of Fosun Prudential Star Guard 2021 refers to the insured’s medical expenses incurred in the hospital due to treatment during the insurance period. Reasonable and necessary expenses can be reimbursed according to the proportion agreed in the contract, up to a maximum of 2 million insured amount.
Generally, the reimbursement of hospitalization medical expenses of 3 million or higher on the market can be regarded as a high-quality million-dollar medical insurance. It is not difficult for us to see that Fosun Prudential Star Guardian 2021 guarantee is still too low!
The above seems to be analyzing the shortcomings of Fosun Prudential Star Guardian 2021. Doesn’t this insurance have any benefits? However, this is not the case. The Fosun Prudential Star Guardian 2021 insurance product has this feature, which convinced the senior!
2. Are there any bright spots in Fosun Prudential Star Guardian 2021?
The biggest difference between Fosun Prudential Star Guardian 2021 and similar million-dollar medical insurance is that it covers 155 types of diseases (100 serious diseases, 20 moderate diseases, and 35 mild diseases).
Fosun Prudential Star Guardian 2021 is good based on the health needs of customers. However, it provides protection for critical illness, moderate illness and mild illness with a maximum insured amount of 2 million, which is still a bit insufficient!
You must know that the high-quality medical insurance on the market has a maximum insured amount of 6 million for critical illness hospitalization. Therefore, in comparison, Fosun Prudential Star Guard 2021 protects mild and moderate symptoms and is not very outstanding.
Friends, if you want to know more about the evaluation results of Prudential Star Guardian 2021, you can check this article: Is Fosun Prudential "Star Guardian 2021" really worth buying?
3. Senior Summary
To summarize, Fosun Prudential Star Guard 2021 provides the insured with comprehensive protection, which is really excellent. The fly in the ointment is that this product does not guarantee renewal, and the general medical protection is not strong. If you don’t mind these shortcomings of Fosun Prudential Star Guardian 2021, you can choose to buy it.
However, my senior sister’s suggestion is: after all, there are many good medical insurances on the market, so it’s not too late to do more comparisons before making a decision!
Write it at the end
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