What is the cost performance of Fosun Prudential Star Guardian 202 1 10,000 medical insurance? Is it worth buying?

Recently, Fosun Prudential Life Insurance launched a medical insurance called Star Guardian 202 1. There are obvious differences between satellite medical insurance 202 1 medical insurance and general medical insurance. Disease medical insurance includes three kinds of diseases: mild, moderate and severe, which is the biggest difference between them. You have the freedom to choose three of them!

In this case, there will be doubts! Is Fosun Prudential Star Protecting 2022 Medical Insurance Worth Our Spending? In view of this problem, let's study it in depth with our senior sister ~

Before the evaluation, you can refer to the comparison table of Fosun Baode Xinxing Guardian 202 1 and popular millions of medical insurance, and don't hurry to collect it: Looking forward to the latest version of the millions of medical insurance rankings?

1. Fosun Baode Baoxing Guardian 202 1 Is it worth buying?

Let me explain the highlights of Fosun Prudential Satellite Guardian 202 1:

Don't say it doesn't matter, just look at the essence:

1, renewal is not guaranteed.

The so-called guarantee renewal means that during the guarantee renewal period, the insurance company will not refuse to renew the insurance because the insured's physical condition changes, claims occur or the product is facing suspension of sales.

In other words, as long as the insurance is completed, no matter what happens to you, the insurance company will definitely underwrite it during the period when the renewal can be guaranteed.

However, the renewal of Fosun Prudential Satellite Guard 202 1 cannot be guaranteed, and the body resistance is poor, and it is easy to get sick. The friends who have made claims during the guarantee period are not very friendly!

But now the breakthrough of insurance companies is obvious. For example, a million-dollar medical insurance such as Beyond Insurance 2020 can guarantee a 6-year renewal!

The link is below, and you all know that the newly upgraded Beyond Insurance 2020 really made me wait for nothing!

2, general hospitalization medical insurance is less.

The explanation of Fosun Baode Xinxing Guardian 202 1 for the general hospitalization medical insurance premium of the insured during the insurance period is that if he is unfortunately diagnosed with illness after accidental injury or waiting period, he must be treated after consultation in a hospital licensed by the insurance company. The treatment place can only be general internal medicine, but there is only 2 million insured reimbursement.

At present, most medical insurance hospitalization expenses can reach 3 million or even higher reimbursement.

It can be seen that Fosun Prudential Satellite Guardian 202 1 still has a chance to improve its security!

3. The proton heavy ion protection is poor.

Proton heavy ion therapy technology is really powerful, which belongs to the cutting-edge technology of radiotherapy in China, and is conducive to better curing cancer, and the human body will not be harmed!

But now there is a serious shortage of resources, and the cost of using this cutting-edge technology of proton heavy ions is very high. However, Fosun Prudential Satellite Defender 202 1 only includes 100% reimbursement, and does not clearly indicate how much insurance coverage it enjoys, which is really disappointing!

What I told you above are the shortcomings of Fosun Prudential Satellite Guardian 202 1. Is this insurance really that inferior? In fact, it's not that bad, it also has this feature, which makes senior sisters admire!

2. What are the highlights of Fosun Baode Satellite Guardian 202 1?

So what's the difference between Fosun Baode Baoxing Worry-Free 202 1 and other similar products? That is, medical insurance covers 155 kinds of diseases, including 100 kinds of serious diseases, 20 kinds of moderate diseases and 35 kinds of mild diseases.

If you have friends, you will be confused. This is the coverage of critical illness insurance?

In fact, the continuous breakthrough of Fosun Prudential Satellite Defender 202 1 is in line with the market demand!

Fosun Baode Baoxing Guardian provides protection for serious illness, moderate illness and minor illness, but the total protection is only 2 million, which means that if minor illness has been reimbursed, in case it is diagnosed as serious illness in the future, then the amount we can reimburse is not so much!

But relatively speaking, this guarantee content is still very breakthrough and good.

If you want to know the evaluation results of Fosun Prudential Star Guardian 202 1 in detail, this article is worth your reference: Is Fosun Prudential Star Guardian 202 1 really worth buying?

Third, the summary of the senior sister

To sum up, the protection provided by Fosun Prudential Satellite Guardian 202 1 is really considerate to consumers. The only fly in the ointment is that this product is not guaranteed to be renewed, and the general medical insurance is weak, and the medical treatment for diseases enjoys insurance benefits. If the shortcomings of Fosun Prudential Satellite Guardian 202 1 are within your acceptable range, you can buy it.

However, senior sister still needs to give everyone a shot: after all, there are not only millions of medical insurance in the market, but also excellent ones. Make a comparison between them and decide which one to buy!

Write it at the end

I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;

If the above content has not solved your problem, you can also come to the official account of WeChat to learn to bully and say that insurance consulting me;

I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.

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