Recently, a new medical insurance named Star Guardian 2021 was announced by Fosun Prudential Life.
The reason is that Star Guardian 2021 medical insurance and ordinary medical insurance coverage is significantly different, disease medical coverage includes minor, moderate and serious diseases is on its features, and there are 3 plans, the choice is also flexible!
So, here comes the question! Is Fosun Prudential Star Guardian 2021 medical insurance worth buying? This question school sister has already figured out how to do it, school sister is ready to come to a wave of evaluation ~
Before answering the question and answer, the school sister has prepared a Fosun Prudential Star Guardian 2021 and the popular millions of medical insurance comparison table, do not hurry to collect: Latest top 10 million medical and updated again!
I. Is Fosun Prudential Star Guardian 2021 worth buying?
The outstanding place of Fosun Prudential Star Guardian 2021 is still listening to me narrating:
Directly look at the key points:
1, not guaranteed to renew
This guaranteed renewal is the insured in the protection of the renewal of the period of time if the insured due to the state of the body to change,
The insured in the protection of the renewed period of time if the insured due to the state of the body to change. The insurance company will not refuse to renew your policy if the insured person's health status changes, there have been claims in the middle, or the insurance product is about to be discontinued.
That is to say, as long as you pay for the insurance, you in the guaranteed renewal period of time, no matter what situation you face, the insurance company will be able to unconditionally underwrite.
But the renewal of Fosun Prudential Star Guardian 2021 is uncertain, which is not so friendly to those who have poor body resistance, are prone to illness and have had claims during the period of coverage!
But it doesn't matter, most insurers are now breaking with tradition in terms of guaranteed renewals, with the likes of Beyond Insurance 2020, a multi-million-dollar medical insurance policy that is guaranteed to be renewed for six years!
Click on the link below to find out more about Beyond 2020:Is this what Beyond 2020 calls a complete upgrade?
2, general hospitalization medical insurance benefits less
The definition of this Fosun Prudential Star Guardian 2021 insurance for general hospitalization medical insurance is that during the effective period of insurance, the insured person, as a result of an accidental injury or after the waiting period of the claim, the disease, by the insurance company's designated or recognized medical institutions must receive medical treatment. If the insured person is diagnosed by a medical institution designated or recognized by the insurance company as having to undergo medical treatment and can only convalesce in the general medical department, the insurance company will reimburse the medical expenses incurred during the period of hospitalization up to a sum of 2 million dollars.
Currently, there are some excellent MMPs in the market that offer hospitalization coverage of $3 million and above.
The Fosun Prudential Star Guardian 2021 still has a chance to improve in terms of coverage!
3, proton heavy ion protection performance
Proton heavy ion therapy technology has been recognized as a cutting-edge technology of radiotherapy, the efficacy of the cure of cancer is very significant, and there is no major damage to the human body!
But the current resources are scarce, and the cost of using Proton Heavy Ion Therapy is very high. Fosun Prudential Star Guardian 2021 with proton heavy ion coverage is to catch up with the trend, this part of the liability can be 100% reimbursement, but there are no special features, but with this coverage can at least reduce the financial burden of the sick family.
The above seems to be analyzing the shortcomings of Fosun Prudential Star Guardian 2021, is this product that bad? Actually, no, Fosun BaoDeXin Star Guardian 2021 also has bright spots, which I think is excellent!
Second, is there a bright spot in Fosun BaoDeXin Star Guardian 2021?
The biggest feature of Fosun BaoDeXin XingWuXian 2021 is the disease medical insurance, which covers 155 kinds of diseases, of which 100 kinds of serious illnesses, 20 kinds of moderate illnesses, 35 kinds of minor illnesses, so that the responsibility of protection is also Fosun BaoDeXin XingWuXian 2021 to break the previous configuration of the conventional medical insurance!
While Fosun Bao Dexin Star Guardian 2021 has "grown", critical illnesses, moderate illnesses and minor illnesses are all covered by this insurance coverage, the single disease medical insurance amount is only 2 million coverage.
It is important to know that those high-quality medical insurance policies on the market have a maximum of 6 million coverage for critical illness hospitalization, so compared to the Fosun Bao Dexin Star Guardian 2021, even if there are minor and moderate illnesses, there is no adequate coverage for critical illnesses, it is not practical, not to mention that the general medical insurance will be able to solve the medical costs of the minor and moderate illnesses.
Paulson Star Guardian 2021 evaluation results are out, want to know more about the partner, this article will tell you you care about Oh quickly look at it:Fosun Paulson Star Guardian 2021 really good? Wake up!
Three, sister summary
In summary, Fosun Prudential Star Guardian 2021 to consumers to provide protection is still relatively comprehensive, the beauty of this product is not guaranteed renewal, general medical coverage is small, in the light of the symptoms of the impracticality of the disease, do not care about Fosun Prudential Star Guardian 2021 These shortcomings of the partner, buy it is not a loss.
However, I still recommend that you take a look at more: after all, most of the million medical insurance on the market are doing very well and excellent, and make a comparison of them before deciding which one to buy is better!
Written in the end
I am the schoolmaster said insurance, focusing on objective, professional, neutral insurance assessment;
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