Recently, Pramerica Fosun Life launched a medical insurance called Star Guardian 2021. It was loved by most people as soon as it was launched, and it also caused heated discussions in the market.
After all, compared with ordinary medical insurance, Star Guardian 2021 medical insurance still has great advantages, mainly reflected in the fact that disease medical coverage covers mild, moderate and severe diseases, and the general hospitalization medical deductible includes 3 plans to choose from!
Then, here comes the problem! Is Fosun Prudential Star Guardian 2022 medical insurance worth our money? The senior sister has already thought about how to deal with this problem, and the senior sister has already evaluated it for everyone~
Before talking about this, I suggest you refer to the Fosun Prudential Star Guardian 2021 and Hot Topics compiled by the senior student Comparison table of million-dollar medical insurance, if you need it, please save it: the latest ranking of the top ten million-dollar medical insurance!
1. Is Fosun Prudential Star Guardian 2021 worth buying?
Let me tell you about the outstanding points of Fosun Prudential Star Guardian 2021:
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’s not a big deal. Now many insurance companies have made major breakthroughs in guaranteeing renewal. For example, Chaoyue Insurance 2020, a million-dollar medical insurance, can guarantee renewal for 6 years!
The link is here, you can click it yourself: Beyond Insurance 2020 promised a comprehensive upgrade, but my expectations were in vain!
2. The general hospitalization medical insurance amount is low
The general hospitalization medical insurance amount of Fosun Prudential Star Guardian 2021 refers to the insured person’s insurance coverage during the insurance period stipulated in the contract. , due to accidental injuries or illness after the claim waiting period, the insurance company has a list of institutions. As long as you are diagnosed in an institution on the list, you must receive treatment and receive treatment in a general medical department. The insurance company will follow the insurance policy. The insured amount of 2 million stipulated in the contract pays general hospitalization medical insurance benefits.
Medical insurance with hospitalization medical expenses reaching 3 million yuan or higher can be regarded as high-quality million-dollar medical insurance. Therefore, Fosun Prudential Star Guardian 2021 guarantee needs to be greatly improved!
3. Proton and heavy ion security analysis
Many people may not understand that proton and heavy ion therapy technology is already a nationally recognized cutting-edge radiotherapy technology. It is very effective in the diagnosis and treatment of cancer and will only cause Very little harm to the human body!
However, due to the current scarcity of resources, the cost of using cutting-edge technology such as proton heavy ions is very high.
Fortunately, Fosun Prudential Star Guardian 2021’s proton and heavy ion guarantee liability can be 100% reimbursed, just like most products, so there is nothing to brag about~
Described above Basically, these are the shortcomings of Fosun Prudential Star Guard 2021. Is this insurance really so inferior? Don’t tell me, it’s really not the case. Fosun Prudential Star Guard 2021 is a unique insurance policy, and I am praised by my seniors!
2. Are there any bright spots in Fosun Prudential Star Guardian 2021?
What is the biggest difference between Fosun Prudential Xing Wuyou 2021 and other similar products? That is, this product has coverage for 100 critical illnesses + 20 moderate illnesses + 35 mild illnesses, providing comprehensive disease coverage.
Friends will be confused. Isn’t this a liability that medical insurance should cover? That’s right~
Actually, this is also a major breakthrough in Fosun’s 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!
The evaluation results of Prudential Star Guard 2021 are out. For those who want to know more, this article may be helpful to you:
Fosun Prudential Star Guard 2021 is fully guaranteed? Wake up!
3. Senior Summary
To sum up, Fosun Pramerica Star Guardian 2021 insurance provides the insured with all-round protection. It is really excellent and has some flaws. 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 Guard 2021, you can buy it.
However, I would like to give you a little reminder: 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!
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I am a top scholar who talks about insurance, focusing on objective, professional and neutral insurance evaluation;
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