After all, there is a difference between general medical insurance and Star Guardian 202 1 medical insurance. The biggest highlight is that medical insurance for diseases includes mild, moderate and severe diseases, including three plans, which can be selected flexibly!
Then, the problem is coming! Is it necessary to buy medical insurance for Fosun Prudential Satellite Guardian 202 1? Let's evaluate this problem together ~
Before solving the problem, you can refer to Fosun Baode Xinxing Guardian 202 1 and the popular list of millions of medical insurance, and don't hurry to collect it: the ranking of millions of medical insurance is freshly released!
1. Fosun Baode Baoxing Guardian 202 1 Is it worth buying?
As usual, the elite school sisters of Fosun Baode Emerging Guardian 202 1 list for everyone:
Let's cut to the chase:
1, renewal is not guaranteed.
Let's talk about the renewal of insurance, that is, to ensure that the insurance company will not make claims because of the change of the insured's physical condition during the renewal period, or will not renew the insurance when the insurance is about to stop selling.
It is better to understand that as long as you successfully buy insurance, no matter what situation you face during the renewal period, the insurance company can unconditionally underwrite.
However, Fosun Prudential Satellite Guardian 202 1 cannot guarantee the renewal of insurance, and its physical resistance is poor, so it is easy to get sick. Friends who have made claims during the guarantee period are not very friendly!
However, there is no impact. At present, more insurance companies have made great progress in guaranteeing renewal. For example, Bao Chao 2020 million medical insurance can be guaranteed to be renewed for 6 years!
Friends who want to know can click on the following link: the upgrade beyond insurance 2020 has made me wait for nothing!
2, general hospitalization medical insurance is less.
Fosun Baode Xinxing Guardian 202 1 General hospitalization medical insurance premium means that the insured suffers accidental injury during the insurance period or falls ill after the waiting period for claims settlement, and the insurance company has a list of institutions. As long as the diagnosis is made in the listed institutions, they must be treated and treated in the general internal medicine department. The insurance company will reimburse the general hospitalization medical insurance premium according to the insurance amount of 2 million as stipulated in the insurance contract.
Hospitalization medical expenses can reach 3 million and higher medical insurance, which is also considered as high-quality million medical insurance.
It can be seen from this incident that the protection of Fosun Prudential Satellite Guardian 202 1 is indeed lacking!
3, proton heavy ion protection is general.
Miraculously, proton heavy ion therapy technology now belongs to the frontier technology of national radiotherapy, which has a very significant effect on curing cancer and little harm to human body!
However, at present, resources are relatively scarce and the cost of proton heavy ion therapy is too high. The proton heavy ions of Fosun Prudential Satellite Guardian 202 1 only contain 100% reimbursement. 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 ~
The above articles all analyze the shortcomings of Fosun Prudential Satellite Guardian 202 1. Is this insurance that bad? Actually, it's not like this. In fact, Fosun Prudential Satellite Guardian 202 1 also has some bright spots, which makes senior sister feel very practical!
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, it covers 155 diseases (100 serious diseases +20 moderate diseases +35 mild diseases).
If you have friends, you will wonder, isn't this the protection responsibility of critical illness insurance? That's right ~ In fact, improvement according to market demand is the biggest highlight of Fosun Baode Emerging Guardian 202 1!
The improvement of Fosun Baode Satellite Guardian 202 1 is commendable, but although the medical insurance for diseases has expanded the scope of moderate and mild diseases, it seems that the scope of diseases is wider, but it is not practical. When making claims, you need to use up the amount of general hospitalization before you can use the disease medical treatment. The treatment cost of mild and moderate diseases is not high, and general hospitalization is enough.
You know, those high-quality critical illness insurance on the market have a maximum coverage of 6 million. Comparatively speaking, Fosun Prudential Satellite Guardian 202 1 does not have a good protection for mild and moderate diseases. On the whole, their protection is not good enough!
If you want to know the evaluation results of Prudential Star Guardian 202 1, this article will tell you the answer: Is Fosun Prudential Star Guardian 202 1 really worth buying?
Third, the summary of the senior sister
To sum up, the guarantee content of Fosun Prudential Satellite Guardian 202 1 is relatively complete. The fly in the ointment is that this product is not guaranteed to be renewed, and the general medical insurance is strong, and the disease medical insurance is shared. Weak friends who can accept Fosun Prudential Satellite Guardian 202 1 can choose to start.
However, senior sister still needs to give everyone a vaccination. After all, there are not only millions of medical insurance on the market, but also excellent ones. Compare it more first!
Write it at the end
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