Under what circumstances does Ping An Smart Star settle claims?

In the course of life, in the case of diseases and accidents beyond our control, the medical expenses incurred will be compensated!

Smart Star is a relatively comprehensive product, protection plus financial management, can also be used for pension, flexible access and access. However, its disadvantages are precisely because of this, so everything is relatively low, the protection is lower than the pure protection product, and the expected annualized return cannot catch up with the financial management type, and the later protection cost is very high.

Advantages of Ping An Insurance Smart Star:

Educational reserves, flexible collection.

A good education is a booster for a child's bright future, and Ping An Smart Star can help establish an education fund plan with safe funds, stable value-added and the ability to independently decide when and how much to receive.

Flexible collection, which can cope with the expenses of education, entrepreneurship and marriage leave.

You can flexibly receive the policy account value according to your needs, which can be used as education funds, and can also be used for entrepreneurial and wedding expenses. The policy account is calculated on a daily basis and settled monthly, with an expected annualized interest rate for the lowest year, so that funds are safe and worry-free, and wealth grows steadily.

The scope of multiple guarantees is wide, and the amount of protection is adjusted independently.

Covering multiple benefits such as death, critical illness and accident, with up to 45 types of critical illnesses, the death and critical illness benefits can be flexibly adjusted according to the risks at different stages of life.

In the event of an insured event agreed in the contract, the premium will be waived.

If the policyholder and the insured have an insured accident agreed in the contract, they can be exempted from paying the insurance premium for the remaining periods during the exemption insurance period, which not only protects the personal risk of the child, but also protects the ability of the adult to pay.

Ping An Smart Star seems to have both protection and financial management, but the content can't stand scrutiny, I stayed up late to sort out the product evaluation, and the shortcomings of this product are here"Ping An Smart Star, those shortcomings that have been complained about.

Take a look at the product content, let's briefly analyze:

The product form of Smart Star is universal insurance with additional critical illness, which takes into account financial management and protection, which seems to be very comprehensive, but it is not

From the financial management aspect of the product:

1. High initial cost: The insurance premium you pay every year is not directly into the universal account, but to subtract the initial cost and protection cost, for example, the insurance premium paid in the first year is 5000 yuan, and the initial cost is 2500 yuan, 5000-2500 = 2500 yuan, but 2500 is not all the funds put into the universal account, because the cost of protection must be deducted.

2. Uninterrupted protection cost: the additional insurance cost is the insurance cost; It is deducted from the premium and interest every year, and it will continue to be deducted until the contract ends.

3. Very low guaranteed rate of return: The guaranteed rate of return is very low in the same industry, and the average level in the industry is mostly between.

From the point of view of the content of the guarantee:

Critical illness and death share the sum insured: For example, the death sum insured is 110,000, the critical illness sum insured is 100,000, and the critical illness claim is 100,000, and the death sum insured is only 10,000, and it is really not cost-effective to spend two parts to buy one benefit.

Critical illness protection is extremely incomplete: Critical illness insurance only covers 45 types of critical illnesses, and only pays once. Critical illness insurance products without mild illness can be said to be the biggest shortcoming in critical illness insurance, and compared with the products with comprehensive critical illness protection on the market, the gap comes out"Comparison Table between Smart Star and 136 Popular Critical Illness Insurance for Minors in China".

The shortcomings of this product have also been analyzed, how about the product, you also have a number in your heart, although it is a comprehensive annuity and critical illness, death protection, but the same is not done, expensive and the protection is not comprehensive, you can buy it separately, protection is protection, financial management is financial management, you can take a look at the list I sorted out >>

"Top 10 Annuity Insurance Points Worth Buying! 》

Updated every Monday! 【0 18 years old】Top 10 popular critical illness insurance points worth buying** points! 》

Xueba talks about insurance, focusing on insurance evaluation! This comparison table between Smart Star and 135 other popular critical illness insurance companies is given to friends who know the answer when they see this article"Comparison Table between Smart Star and 135 Popular Critical Illness Insurance".

Ping An's smart star, the main insurance is a universal insurance annuity insurance, since its launch, it has been widely controversial, taking into account the functions of protection and financial management, and the overall content is very complete, but what about it taken apart, is it still so good? Let's start with the conclusion: this product is not recommended for children!

There are really too many routines, what are the specific pitfalls, just look at this detailed explanation and analysis"Smart Star, Is It a Wise Choice"., don't impulsively insure, or have a detailed understanding before buying:

Smart Star is a product that takes into account both protection and financial management, so, let's talk about these two aspects respectively, let's take a look at financial management first:

We need to pay attention to the initial fees and protection costs, the insurance company will deduct these expenses, and the remaining premiums will go into the universal account to make money;

The guaranteed interest rate of the universal account, the guaranteed interest rate of Smart Star, is that other products on the market can reach 3%;

Secondly, from the aspect of protection, let's talk about this product:

There are only 45 types of critical illnesses, and now there are hundreds of types of critical illness insurance in the industry, and there are also a lack of moderate and mild diseases.

Death protection: For children, this protection is not important, life insurance is bought for the breadwinner of the family, and children do not need to buy life insurance;

Accident protection: Accident insurance is very cheap, with an annual premium of one or two hundred, while the accident medical treatment attached to Smart Star costs 330 yuan, and it is only reimbursed within social security.

Because there is too much content, only the main points listed here, if you don't understand, you can read the above article.

It has protection, you can lose money when you get sick, and you have financial benefits, which are very popular with consumers, but these insurances that say that they are both protective and can make money, and in the end they basically have no protection and no money.

It is the wisest choice to buy financial management and protection separately, and you don't know what insurance to buy for your child, you can look at this list of children's critical illness insurance"2020 Children's Critical Illness Insurance Ranking".

That's all for me"What are the disadvantages of Ping An Smart Star Insurance? "

Improper planning is the biggest problem, and this problem, people are the key, unprofessional or blind profit-seeking, or irrational customers, will lead to such and such problems.

Insurance purchase order:

1: Protect adults first, then children, because adults are children's insurance 2: Buy protection first, then buy financial management, because health is the key to everything 3: Long-term payment of health insurance, short-term payment of financial insurance, because of the additional exemption function of health insurance, financial insurance generally has compound interest and interest calculation function.

4: Insurance must be bought early and late, and you have to buy it sooner or later; Buy more and buy less, buy as much as you want5: Insurance is first and foremost a blessing in disguise, and then the icing on the cake.

The specific recommendations for insuring your child are as follows:

1: To buy insurance for children, you must first consider whether the adult is adequately protected, and do not put the cart before the horse2: Do not ignore the local insurance policy, whether there is medical protection for the old and the young, and then talk about education funds on the basis of protection.

3: In terms of protection, accidents, critical illnesses, and medical treatment must be considered 4: Children's insurance in the market, dividends, universal, and investment-linked, it is recommended to choose the first two 5: insurance planning, do what you can, and don't deviate from the reality of affordability, then you will not be insured.

This product seems to be an annuity insurance that can not only manage money, but also a critical illness insurance that can protect critical illness; It is said that it takes into account both security and financial management, but in fact, both aspects are not done well, if you are in a hurry, let's take a look at this product evaluation I did"It's said on the Internet that Ping An Smart Star is not good, is it true? 》

Without further ado, look at the product details:

Then let's analyze the specific guarantee from two aspects:

From the perspective of critical illness protection:

1. Critical illness and death share sum insured:For example, the death insurance amount is 110,000, the critical illness insurance amount is 100,000, the critical illness claim is 100,000, and the death insurance amount is only 10,000, which is equivalent to spending two copies to buy a protection.

2. Basic guarantee:Critical illness insurance only covers 45 types of critical illnesses and only pays once. There is no critical illness insurance product with mild illness, which can be said to be the hard wound of this critical illness insurance, and there is a certain gap between it and the critical illness insurance on the market"Comparison Table between Smart Star and 136 Popular Critical Illness Insurance for Minors in China".

From the financial management aspect of the product:

1. High initial cost of universal account:The insurance premium paid each year is first reduced by half of the initial cost, and the remaining money is not directly into the universal account, but to subtract the cost of protection, and then look at the cost of protection.

2. Bottomless pit of guarantee costs:To put it bluntly, the cost of protection is the additional cost of insurance; It has to be deducted from the premium and interest every year, and as long as the contract is not over, it will be deducted, and think about it, as you get older, the cost of death benefit and critical illness protection will get higher and higher, which is simply a bottomless pit.

3. The guaranteed rate of return is extremely lowThe guaranteed rate of return is basically between the industry, which is basically a low level in the industry, and at the same time, this kind of financial insurance is suitable for a very narrow group of people, and the vast majority of salaried people are not suitable for buying.

Based on the above, the protection content of this product can be said to be very general, the first meaning of insurance is protection, and don't think that one product can solve all your needs, just take critical illness protection as far as it is very incomplete, if you want to configure critical illness insurance for your child, there is a better choice

Updated every Monday! 【0 18 years old】Top 10 popular critical illness insurance points worth buying** points! 》

Xueba talks about insurance, focusing on insurance evaluation! This comparison table between Smart Star and 135 other popular critical illness insurance companies is given to friends who know the answer when they see this article"Comparison Table between Smart Star and 135 Popular Critical Illness Insurance".

Smart Star is known as the fist product of the market, not only has the protection of critical illness and accidental medical treatment, but also the function of financial management, is it very exciting, is it really the case? Let's start with the conclusion: this product is not recommended for children!

Don't rush to buy just by looking at the advertisement, read the professional analysis before making a decision:

Smart Star is a product that takes into account both protection and financial management, then, let's talk about these two aspects respectively, first follow me to see the financial aspect, focusing on the universal account:

The initial fee and guarantee cost, focusing on the deduction ratio, 50% was deducted in the first year of Smart Star;

The guaranteed interest rate of the universal account, the guaranteed interest rate of Smart Star, is that other products on the market can reach 3%;

Next, let's take a look at the content of the guarantee:

Critical illness protection: There are few types of critical illness, there is no protection for moderate and mild illnesses, and there is a lack of high-incidence critical illness for children, so it is not a compliant critical illness insurance;

Death benefit: Life insurance is paid for the financial support of the family, and it does not make much sense for children to buy life insurance;

Accidental medical treatment: The additional accidental medical treatment is generally cost-effective, expensive, and only reimbursed within social insurance.

Because there is too much content, it is inconvenient to display, and the full content can be seen in the article above.

This product form of financial management + security just caters to the psychology of users who are afraid of trouble, but this kind of product cannot withstand scrutiny, and if you think about it carefully, you will find that it seems to have everything, but in fact there is nothing.

When buying insurance, you should separate protection and financial management, so as to maximize benefits, what is worth buying for children's insurance? Look at everyone else who has insurance"2020 Critical Illness Insurance for Kids Worth Buying is Here".

That's all for me"What is the specific guarantee of Ping An Smart Star?"

Ping An Wisdom Star Education Fund Insurance Plan consists of:

Ping An Wisdom Star Whole Life Insurance (Universal),

Ping An Additional Wisdom Star pays critical illness insurance in advance

Ping An Supplementary Accident Medical Insurance (a) or (b).

Ping An Additional Worry-Free Waiver of Insurance Premiums Critical Illness Insurance (b).

Ping An Plus Worry-Free Waiver of Insurance Premiums Critical Illness Insurance (c).

An example of Ping An Wisdom Star Education Fund Insurance Plan.

Mr. Wang, administrative manager of a large enterprise (Class I occupation), 30 years old, is happy to have a precious son (no social security). Hoping to prepare an education fund for Guoguo in advance, so that the child can grow up carefree and enjoy a better future, and at the same time, he also has to consider Guoguo's future life risks.

He chose to pay for 15 years, with an annual premium of 5,000 yuan, and the insurance details are as follows:

Ping An Wisdom Star Whole Life Insurance (Universal),

The basic sum insured is 100,000 yuan, and it will be adjusted to 10,000 yuan from the age of 60.

Ping An Additional Wisdom Star pays critical illness insurance in advance

The basic insurance amount is 80,000 yuan, and it will be adjusted to 10,000 yuan from the age of 60.

Ping An Supplementary Accident Medical Insurance(a) has a basic sum insured of 10,000 yuan, which will be renewed continuously until the age of 65.

Ping An Additional Worry-Free Waiver of Insurance Premiums Critical Illness Insurance (b).

The insurance period is 15 years.

Ping An Supplementary Worry-Free Waiver of Insurance Critical Illness Insurance (c).

The insurance period is 15 years.

Educational reserves, flexible collection.

There are wisdom stars at home, and tuition fees are not worried. When Guoguo is 15-17 years old, he receives 4,000 yuan per year as a high school education fund, and 18-21 years old as a college education fund. A total of 60,000 yuan was received, so that Guoguo could easily become a talent.

After graduation, the policy income is still considerable, and the account value can be flexibly claimed without any handling fee.

Multiple benefits The sum insured can be adjusted.

Guoguo's life is wonderful, and the protection and care of Wisdom Star accompanies it, and the sum insured can be adjusted according to the different risks of life stages to meet personalized protection needs. The basic sum insured of the main insurance is 100,000 yuan, and the basic sum insured of critical illness is 80,000 yuan. At the age of 60, the basic sum insured for the main insurance and additional critical illness is reduced to 10,000 yuan, and more account value is accumulated as a supplement to the pension. In addition, before the age of 65, medical expenses incurred due to accidental injuries can receive a maximum of 10,000 yuan per year for medical expenses (100 yuan deductible, and not more than the balance after social security or other compensation).

Premium waiver for hassle-free payment.

The Plan not only protects the personal risk of children, but also protects the ability of adults to pay fees. Within 15 years of the agreed exemption insurance period, when the policyholder unfortunately dies, becomes disabled or has a critical illness as agreed in the contract, and the child unfortunately suffers from the critical illness agreed in the contract, the remaining premium will be paid by Ping An Company, and the future of the child will be protected by humane care.