After all, Star Health 202 1 medical insurance still has advantages over general medical insurance. Medical insurance for diseases includes mild, moderate and severe diseases, which is the biggest difference between them. You can choose three schemes flexibly!
So it is inevitable that there will be confusion! Is it worthwhile for us to spend money on Fosun Prudential Star to protect 2022 medical insurance? Facing this problem, let's test it with our senior sister ~
Before the evaluation, it is best to look at the comparison table of Fosun Prudential Star Guardian 202 1 and popular million medical insurance collected by senior sister. Save it for friends in need: Looking forward to the latest top ten million medical insurance rankings?
1. Fosun Baode Baoxing Guardian 202 1 Is it worth buying?
As before, the guarantee essence of Fuxing Satellite Guardian 202 1 is presented here by Sister Xue:
Don't say anything, just get to the point:
1, renewal is not guaranteed.
Guaranteed renewal means that during the guaranteed renewal period, you can get the corresponding protection, and the insurance company will not refuse to renew the insurance because the insured's physical condition changes, claims occur or the insurance is about to stop.
Tell you the truth, as long as you buy this insurance, the insurance company will cover it no matter what happens to you during the period when you can guarantee the renewal.
However, Fosun Baode Xinxing Guardian 202 1 does not guarantee renewal, and friends who are prone to illness during the insurance period and have already made claims are not very friendly!
But it doesn't matter. Now many insurance companies have broken the foundation of the original insurance renewal. For example, millions of medical insurance like Bao Chao 2020 can be guaranteed to be renewed for 6 years!
Here is the link, you can click it yourself: beyond the comprehensive upgrade promised by Bao 2020, my expectation has been shattered!
2, general hospitalization medical insurance is less.
The definition of this Fosun Prudential Star Guard 202 1 insurance for general hospitalization insurance is that the insured is unfortunately diagnosed with illness due to accidental injury or waiting for the claim period within the effective insurance period. The insurance company has a list of institutions. As long as the diagnosis is made in the listed institutions, treatment must be received, and it can only be treated in general internal medicine. Then the insurance company pays the general hospitalization insurance premium of 2 million insured persons according to the terms of the insurance contract.
At present, there are excellent millions of medical insurance on the market, and the hospitalization expenses can reach more than 3 million.
It can be seen that the protection of Fosun Baode Satellite Guardian 202 1 is insufficient!
3. The proton heavy ion protection is poor.
State-recognized cutting-edge radiotherapy technologies, including proton heavy ion therapy, have a good effect on cancer treatment and will not harm the human body!
However, due to the scarcity of resources at present, the cost of using proton heavy ions for treatment is very high. However, Fosun Baode Baoxing Guardian Proton Heavy Ion 202 1 only includes 100% reimbursement, and does not clearly indicate how much coverage it enjoys, which makes people look forward to it in vain!
What I want to tell you above is the shortcomings of Fosun Prudential Satellite Guardian 202 1. Is this insurance not good? However, this is not the case. This Fosun Prudential Mamoru Hoshi 202 1 insurance is very distinctive, and senior sister thinks it's great!
2. What are the highlights of Fosun Baode Satellite Guardian 202 1?
Compared with other similar products, what is the biggest advantage of Fosun Baode Baoxing Worry-Free 202 1? That is, medical insurance covers 155 diseases, including 100 serious diseases, 20 moderate diseases and 35 mild diseases.
Taking the health needs of customers as the starting point, the biggest breakthrough of Fosun Prudential Guardian 202 1 is commendable, but it also has shortcomings. Because serious illness, moderate illness and minor illness always enjoy 2 million insurance coverage, that is to say, if you are diagnosed with minor illness and get claims during the protection period, if you are diagnosed with serious illness later, the amount of serious illness insurance you can give in claims will be much less!
You know, those high-quality critical illness insurance on the market can cover up to 6 million. In contrast, Fosun Baode Emerging Guardian 202 1 is not so good in the protection of mild and moderate diseases. On the whole, their protection is still not good enough!
So if you want to know more about the evaluation results of Fosun Prudential Satellite Guardian 202 1, this article will help you: Is Fosun Prudential Satellite Guardian 202 1 really good? Wake up!
Third, the summary of the senior sister
Generally speaking, the protection provided by Fosun Prudential Satellite Guardian 202 1 to consumers is relatively comprehensive. The only fly in the ointment is that this product does not guarantee renewal, and the general medical insurance is strong, and the disease medical treatment enjoys insurance benefits. If the shortcomings of Fosun Prudential Satellite Guardian 202 1 are within your acceptable range, you will not lose money if you buy it.
However, senior sister still reminds everyone: after all, there are many kinds of millions of medical insurance on the market, and it is most important to choose the one that suits you. Compare carefully before buying!
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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