Fosun BaoDe Star Guardian 2021 medical insurance is a relatively special medical insurance, the advantages mainly include disease coverage including minor, moderate and serious diseases, general medical coverage is complete, the disadvantages mainly include no guarantee of renewal, general medical coverage is low, the general point of view is not very reliable.
Recently, there is a new product on the market, called Star Guardian 2021 medical insurance, which is launched by Fosun Prudential Life, and it has gained popularity as soon as it was launched.
After all, Star Guardian 2021 medical insurance is different from ordinary medical insurance, in which the most obvious feature is that the medical coverage for illnesses includes minor, moderate and serious illnesses, including 3 plans.
Then we will think about a question, Fosun Prudential Star Guardian 2021 medical insurance is worth buying? In response to this question, along with the school sister quiz it~
Before answering the question, here is a list of popular million dollar medical insurance, you can take a look at it first, don't forget to bookmark it:Top 10 Million Dollar Medical Insurance Rankings Freshly Released!
I. Is Fosun Prudential Star Guardian 2021 worth buying?
Or the same old, the revival of the Prudential Star Guardian 2021 coverage essence of the map of the school sister here to offer:
We do not chat about nonsense, straight to the point:
1, does not guarantee the renewal of the policy
Guaranteed renewal of the policy is the renewal of the period of the policy, the insurance company will not be due to the insured person's The insurance company will not refuse to renew the policy due to changes in the insured's health condition, whether or not a claim has been made, or whether or not the product has been discontinued.
But Fosun Prudential Star Guardian 2021 is not guaranteed renewable, which is not so friendly to those who are prone to illnesses due to poor health resistance and who have made claims during the period of coverage!
A lot of insurance companies have come up with new innovations in medical insurance renewals, such as Beyond Insurance 2020, a multi-million dollar medical insurance policy that is guaranteed to renew for six years!
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2, the general hospitalization medical insurance benefits less
The general hospitalization medical insurance benefits of the provisions of the coverage period, the insured accidentally injured or in the waiting period for claims after the disease, in the insurance company recognized the medical institutions to receive medical treatment incurred reasonable and necessary expenses, can be in accordance with the contract agreed to be The maximum reimbursement is 2 million dollars.
The average hospitalization cost of a quality medical insurance policy on the market today is 3 million, or even more. Fosun Prudential Star Guardian 2021 is still too low!
All of the above are analyzing the shortcomings of Fosun Prudential Star Guardian 2021 for us, could it be that the product is really useless? Not really, this Fosun BaoDeXin Star Guardian 2021 insurance product has this feature that convinces the schoolmates!
Secondly, is there any bright spot in Fosun Prudential Star Guardian 2021?
The biggest difference between Fosun Bao Dexin Star Guardian 2021 and other similar types of million medical insurance is that it covers 155 kinds of diseases, including 100 kinds of serious illnesses, 20 kinds of moderate illnesses, and 35 kinds of minor illnesses.
The improvements to Fosun Prudential Star Guardian 2021 are very commendable. However, the 2 million sum assured for critical illnesses, moderate illnesses and minor illnesses*** means the protection will be weakened!
The review results of Fosun Prudential Star Guardian 2021 have been compiled for you, and this article will tell you the answer:Fosun Prudential "Star Guardian 2021" flopped?
Three, sister summary
Summary, Fosun Bao Dexin Star Guardian 2021 coverage is still very comprehensive, the beauty is that this product does not guarantee the renewal of the policy, the general medical coverage is not strong, etc., if the disadvantages of the Fosun Bao Dexin Star Guardian 2021 is within the scope of your acceptable If the disadvantages of Fosun Prudential Star Guardian 2021 are within your reach, it's well worth buying.
However, I would like to remind you that there is no shortage of good multimillion-dollar medical insurance policies on the market, so compare before you buy!
Written in the end
I am the school bully said insurance, focusing on objective, professional, neutral insurance assessment;
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