What are the advantages and disadvantages of Fosun Baode Xinxing Guardian 202 1 10,000 medical insurance? How to buy?

Recently, Fosun Prudential Life Insurance released a new product named Star Guardian 202 1, which was loved by the public and even caused a wave of enthusiasm in the market.

After all, there is still a big difference between satellite health care 202 1 medical insurance and general medical insurance. The biggest highlight is that medical insurance for diseases includes mild, moderate and severe diseases, and the deductible for general hospitalization includes three plans, so you can choose flexibly!

So, is Fosun Prudential Star Guardian 202 1 medical insurance worth buying? In response to this question, senior sister reveals the answer for you.

Before evaluating, I want to say one more thing. You can refer to Fosun Prudential Star Guardian 202 1 and the popular million medical insurance comparison table, and quickly collect it:

Super full! China Volkswagen Million Medical Insurance Comparison Table

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

As usual, Senior Sister presented the protection essence of Fosun Prudential Mamoru Hoshi 202 1 first:

Not much to say, just to the point:

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 of the insured's abnormal health, claims settlement or product suspension.

In other words, as long as you buy this product, the insurance company can unconditionally underwrite it no matter what happens to the insured during the guaranteed renewal period.

However, Fosun Baode Xinxing Guardian 202 1 does not guarantee the renewal of the insurance, and its physical 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 it doesn't matter. At present, many insurance companies have made great breakthroughs in guaranteeing renewal. For example, millions of medical insurance beyond 2020 can be guaranteed to be renewed for 6 years! Interested friends may wish to have a look:

Beyond the comprehensive upgrade promised by Bao 2020, my expectations are shattered!

2, general hospitalization medical insurance is less.

Fosun Prudential Satellite Guard 202 1 General hospitalization medical insurance means that during the insurance period, the insured suffers accidental injury or illness after the waiting period, and the insurance company pays compensation according to the insurance contract, up to 2 million yuan.

At present, there are 3 million or more general hospitalization medical insurance and millions of high-quality medical insurance on the market.

3. The proton heavy ion protection is poor.

Proton heavy ion therapy is a state-recognized cutting-edge radiotherapy technology, which has a good effect on cancer treatment and little harm to human body!

However, due to the scarcity of resources, the cost of proton heavy ion therapy is quite expensive. Fortunately, the proton heavy ions of Fosun Prudential Satellite Defender 202 1 can be reimbursed 100%, which, like most products, is nothing to boast about ~

All of the above seems to be talking about the shortcomings of this product. Is it really that bad? Not exactly. Fosun Prudential Satellite Guardian 202 1 has this bright spot.

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

The biggest difference between Fosun Baode Baoxing Guardian 202 1 and other millions of medical insurance of the same type is that the medical insurance liability of diseases includes 100, including 20 serious diseases, 35 minor diseases.

I can't figure it out if I have friends. Isn't this the protection responsibility of critical illness insurance? Yes ~

In fact, this is also the biggest breakthrough of Fosun Baode Satellite Guardian 202 1!

Although medical insurance for diseases has expanded the scope of mild and moderate diseases, it seems that the scope of diseases is wider, but its practicability is not strong. The premise of claim settlement is that you need to use up the amount of general hospitalization before you can use disease medical treatment, not to mention the low cost of treatment for mild and moderate diseases, which can be covered by general hospitalization medical treatment.

Friends, if you want to know more about the evaluation results of Baode Satellite Guardian 202 1, this article will help you:

Is Fosun Prudential Guardian 202 1 really good? Wake up!

Third, the summary of the senior sister

To sum up, the insurance coverage of Fosun Prudential Satellite Guardian 202 1 is really too comprehensive. The only fly in the ointment is that this product is not guaranteed to be renewed, and the general medical insurance is not strong, and the disease medical treatment enjoys insurance benefits. Friends who can accept the weakness of Fosun Prudential Satellite Guardian 202 1 can choose to buy it.

However, senior sister should remind everyone: after all, the most important thing in the market is a good million-dollar medical insurance, so let's compare it before we leave!

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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