Not long ago, Fosun Prudential Life launched a medical insurance called Star Guardian 2021. It was loved by the public as soon as it was launched and became famous in the market.
Because there is a difference between Star Guardian 2021 medical insurance and ordinary medical insurance. This is mainly reflected in the fact that disease medical insurance covers mild, moderate and severe illnesses, and the general hospitalization medical deductible includes 3 plans. , you can choose by yourself!
Then everyone will think about a question! Is Fosun Prudential Star Guardian 2021 medical insurance reliable? Faced with this problem, let’s study it in depth with my senior sister~
Before the evaluation, it’s best to take a look at the comparison between Fosun Prudential Star Guardian 2021 and the popular million-dollar medical insurance collected by my senior sister. List, don’t forget to save it: The top ten million-dollar medical insurance rankings are newly released!
1. Is Fosun Prudential Star Guardian 2021 worth buying?
The senior sister has compiled the guarantee advantages of Fosun Prudential Star Guardian 2021 for your reference:
Stop talking nonsense and get to the point:
1. No guarantee Renewal
The so-called guaranteed renewal means that during the renewal period, 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.
In other words, as long as the insurance is successfully purchased, no matter what happens to the insured during the guaranteed renewal period, the insurance company can unconditionally underwrite the policy.
However, the renewal of Fosun Prudential Star Guardian 2021 is uncertain, which is not very friendly to friends who have poor physical resistance, are prone to getting sick, and have had claims made during the coverage period!
But it doesn’t matter. Now, many insurance companies have broken the original basis for insurance renewal. For example, Chaoyuebao 2020, a million-dollar medical insurance, can guarantee renewal for 6 years!
Anyone who wants to know is welcome to open this link: Beyond Insurance was promised a comprehensive upgrade in 2020, but my expectations were in vain!
2. The general hospitalization medical insurance premium is low
The insurance company’s claim conditions for the general hospitalization medical insurance in Fosun Prudential Star Guardian 2021 are that the insured is insured during the insurance period. , due to accidental injury or illness after the waiting period, if you are diagnosed in a hospital that the insurance company cooperates with, you must accept treatment from this institution, and you are only allowed to go to ordinary medical departments for treatment. Next, the insurance company The insurance limit of 2 million yuan will be paid to the insured to pay for general hospitalization medical insurance.
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!
3. Proton and heavy ion protection is poor
The nationally recognized cutting-edge radiotherapy technology includes proton and heavy ion therapy technology, which is very effective in the diagnosis and treatment of cancer, and the harm to the human body is very small!
However, resources are now scarce, and the cost of treatment using protons and heavy ions is very high. Fortunately, the proton and heavy ion protection liability of Fosun Prudential Star Guardian 2021 can be reimbursed at 100%, just like most products, so there is nothing to brag about~
The above seems to be talking about Fosun Prudential Star Guardian The weakness of 2021, is this insurance really that inferior? No, this Fosun Prudential Star Guardian 2021 insurance has its unique features, and I think it’s great!
2. Are there any bright spots in Fosun Prudential Star Guardian 2021?
Compared with other products of the same type, the biggest advantage of Fosun Prudential Xing Wuyou 2021 is that this product has 100 types of critical illness, 20 types of moderate illness, and 35 types of mild illness protection, and the disease protection is comprehensive. .
Some friends don’t understand. Isn’t this the protection responsibility of critical illness insurance? Yes~
In fact, this is also a major breakthrough for Fosun Prudential Star Guardian 2021!
However, although the disease medical insurance has expanded the coverage of moderate and mild diseases, which seems to have a wider range of diseases, it is not very practical.
When settling a claim, you need to use up the amount of general inpatient medical care before you can use disease medical care. Moreover, the treatment costs for mild and moderate illnesses are not high, and general inpatient medical care is enough to cover it.
It can be seen that Fosun Prudential Star Guardian 2021’s protection for mild and moderate symptoms is flashy!
For those who want to refer to more evaluation results about Fosun Prudential Star Guardian 2021, this article may be helpful to you: Is Fosun Prudential "Star Guardian 2021" really worth buying?
3. Senior Summary
In general, Fosun Pramerica Star Guard 2021 provides the insured with all-round protection. It is really excellent and has some flaws. However, this product does not guarantee renewal, and the general medical protection is not strong. If the disadvantages of Fosun Prudential Star Guard 2021 are within your acceptable range, you can choose to buy it.
However, I still recommend that everyone take a closer look: after all, there are many good million-dollar medical insurances on the market, so compare them and choose the one that suits you before buying one!
Write it at the end
I am a top scholar who talks about insurance, focusing on objective, professional and neutral insurance evaluation;
If the above content has not solved your problem For questions, you can also consult me ??on the official account Xueba Talk Insurance;
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