Ping An Fu Insurance, worth 300,000 yuan, critical illness insurance is 150,000 yuan, can the insura

Yes, if the customer feels that the sum insured is too high after taking out the insurance, he can contact the insurance company to reduce the sum insured. If the customer feels that the sum insured is too low, they can also apply to the insurance company to increase the sum insured.

The procedure for reducing the sum insured is not complicated, and the customer can bring the insurance policy and ID card to the counter of the insurance company's business department to find a staff member to handle it. There are many people who apply to the insurance company for a reduction in the middle of the payment because of the excessive pressure of paying the bill.

Reduction is actually a partial surrender of the policy, which is usually paid in full, that is, the cash value of the surrendered part of the premium will be paid in a lump sum.

The following is the definition of reduced insurance and reduced payment:

1.Insurance reduction, also known as partial surrender, is the act of the insurer agreeing to reduce the insured amount according to the contract upon application by the policyholder during the insurance period.

2.Reduced Payment: If the policy has a cash value, the policyholder can reduce the sum insured with the same contract conditions according to the cash value of the policy at that time, after deducting the outstanding premiums and interest, borrowing and interest, as the entire insurance premium paid in one lump sum, so that the policy can continue to be valid.

3.Reduced payment, simply put, is based on the cash value of the policy, as a one-time payment of premiums, to purchase the same type of insurance, the sum assured is reduced. The so-called reduced payment, in "jargon", means that the policyholder can use the cash value of the insurance contract as a single premium to purchase an insurance contract that is smaller than the original insurance amount and the insurance period remains unchanged.

In layman's terms, it is to use the cash value of the policy to offset the premium, while the insurance liability and insurance period remain the same, and the insured amount is reduced. It can be seen that in order to apply for a reduction payment, the necessary condition is that the policy needs to have a cash value, and it is generally required to pay for two years.

When applying for a reduction in the sum insured, it is important to note that many insurance products have a minimum insurance requirement, so customers should pay attention to the fact that the sum insured should not be lower than the minimum insurance requirement when reducing the sum insured. After the sum insured is reduced, the benefit will also be reduced accordingly, so you must think carefully before adjusting the sum insured, and do not reduce the sum insured easily.

In fact, when customers apply for insurance, they should take into account their own economic situation, weigh their own needs and economic conditions, and choose an appropriate amount of insurance to insure, so as to avoid excessive pressure when paying premiums in the future.

OK. You can reduce a portion of the sum insured, so that the premium will be reduced accordingly. A reduction in the sum insured is equivalent to a partial surrender of the policy.

For this specificity, you can consult your Ping An salesman, or call Ping An's customer service**. Generally, the insurance company does not recommend that you reduce the sum insured, because there is a loss, you have to decide according to your own situation, if you really feel that the insurance premium is too high, there are difficulties, then it is recommended that you can reduce a part accordingly. Hope it works for you!

No, why was the difference so big?

China Life Evergain 2016 Edition, covering 110 kinds of diseases, low premiums, high sum insured, full protection, your above information I probably calculated for you is more than 9,000 yuan, including hospitalization and accidental hospitalization and daily subsidy of 100 yuan per day.

Nearly 10,000 years, China Life Insurance has low premiums and high protection, and it is worth having 30% cheaper than the same period last year.

The annual premium is about 15,190, but every time there is accidental medical treatment and hospitalization, there is only death, serious illness, and accidental disability.

However, considering China Life's (China Life Blessing Lifetime Edition), the critical illness coverage covers 100 types of diseases without repeating diseases. Additional 1,000,000 Wishful Companion Accident Benefit, up to a maximum of 2.5 million. Details** I have a private chat.

Is it to do Ping An Fu 16 naked single or add-on?

For more money, you can choose to pay 30 taels, we have a more user-friendly exemption function!

Huaxia 8554 covers 77 critical illnesses, 33 mild diseases, 5 claims for different diseases, and an exemption function.

Hello, 20 years to pay 10,000 per year, thank you.

Help you make a plan,**.

Is the reduction paid?

Theoretically, yes, but in practice, it is really not recommended for any customer to adopt this form, and it has little practical significance.

If so, it is better to surrender the policy directly, cleanly.

Derating? Reduce the sum insured and reduce the premium.

Peace and happiness cannot be reduced!

The annual premium is about the same. You also consider Sunshine Insurance, which has 70 types of critical illnesses, 10 types of mild critical illnesses, and medical insurance reimbursement for out-of-pocket drugs.

Yuan, why buy the same amount of insurance, critical illness and main insurance to buy the difference in the amount of insurance, additional exemption, enjoy lifelong, accident insurance until the age of 70!

Hello, it is an honor to serve you, and I hope to help you make a plan according to the situation in many aspects.

Pacific Insurance Yuan, main insurance, critical illness? Accident 300,000.

Hello! You can get a good idea of the Taiping in China.

Are you in Beijing, I'll serve you.

According to your request, I made a plan out, the cost is about the same, and no other accessories are added. Premiums increase with age and are more expensive. I would advise you to take out insurance as soon as possible. Feel free to contact me. thanks.

Long-term accidents can be even higher, plus accidental injury medical treatment and hospitalization medical care is perfect.

Ping An Fu is very good, the accidental injury insurance amount is a bit low, plus hospitalization and accident medical treatment is even better.

Everyone says that long-term accidents are low, and this advice is correct, and it can be made up in the future to make the protection more perfect.

There is nothing reasonable or unreasonable about collocation, it just depends on your needs and your own comprehensive situation.

It depends on whether your needs are enough, whether it is reasonable or unreasonable. Be tailor-made.

This is just the beginning, and it will be perfected in the future.

There is no right or wrong demand, and the guarantee is not enough.

Yes, plus accidental medical treatment, even better.

It's up to you to focus on what you focus on.

Hello! The sum insured is configured according to your protection needs.

Hello, insurance protection is linked to your income, when your living income is not good, whether you can afford to pay a high amount of insurance money, you have to measure yourself, of course, the higher your protection is the more secure. If you don't teach within your means, you can't afford to pay for 17 years after 3 years.

Buy on your own terms. Of course, the higher the sum insured, the better, and the full amount of coverage.

According to its own conditions, it is naturally better to buy 400,000 if the conditions permit.

Putting aside the word insurance, do you think 300,000 or 400,000 is better?

Buy the sum insured at 10 to 20 times your annual income.

Hello, it must be good if the insurance amount is high, but it should be purchased according to your income, and you can chat privately for details.

Hello, you can choose according to your own economic conditions.