Ping An Fu Serious Illness Is it a serious illness and a mild serious illness compensated together?

No, didn't your insurance ** tell you clearly? If you get a mild critical illness first, you can pay 20% of the sum insured for the critical illness first, without affecting the payment of the critical illness sum insured. However, if you have a critical illness at the beginning, you can only pay for the cost of the critical illness once, and if the main insurance and the critical illness are not one-to-one, the balance after the main insurance minus the critical illness will be compensated.

No, if you have a critical illness, you will pay for a serious illness, and if you have a mild illness, you will pay for a mild illness.

For example, if you have a critical illness benefit of 300,000 yuan, and you suffer from a disease in the critical illness list, you will receive a benefit of 300,000 yuan.

For the diseases in the list of mild diseases, 20% of the sum insured will be paid, that is, 300,000 * 20% = 60,000, the policy will continue to be valid, and if you get a critical illness in the future, you will have to pay 300,000 yuan.

There are many Ping An Fu series products, and here is an example of the most popular Ping An Fu 20.

What about Ping An Fu 20? Is it worth buying? Friends who are interested in buying can take a look at this in-depth review first:The new version of Ping An Fu 20 is here! This deficiency has not changed.

It can be seen that Ping An Fu 20 is a critical illness insurance product with a single claim for critical illness.

So what about the protection of Ping An Fu 20? We continue to evaluate:

Pros:Additional compensation for severe illness

Before the age of 70, the critical illness sum insured can be increased by 20%, up to 60%, which is relatively good, after all, if there is an additional claim, the protection of the insured is also greater.

Sports Coverage Reward

Ping An Fu 20 is a special guarantee of sports bag reward, there are two standards, each standard is reached, the compensation ratio of mild illness, severe illness and death will be increased accordingly.

The senior sister compared the 136 popular critical illness insurance on the market to see which products have a relatively high payout ratio:A comparison table of 136 popular critical illness insurances in China

Cons:

No Moderate Illness Benefit

It can be seen that Ping An Fu 20 only has mild and severe disease protection, and lacks the protection of moderate disease, which is not so friendly to consumers.

The payout ratio for mild illnesses is low

The compensation ratio for mild illness is 20% of the basic sum insured, although there is a sports reward insurance amount, but the additional compensation ratio that can be increased is low, and the compensation ratio is still lower than the market average (about 40%), which means that if the insured suffers from a mild illness, then the claim payment will be relatively small, and the best means and medical conditions that can be taken are relatively not so good.

Premiums are more expensive

In the case that the protection is not comprehensive, a 30-year-old man buys 500,000 insurance (30 years of payment without additional responsibility), and needs to pay about 12,000 per yearIn August 2020, I ranked my most recommended critical illness insurance

In general, most of the critical illness insurance in the Ping An Fu series is a single claim for critical illness, and the premium is relatively expensive, which is more suitable for friends who love the big brand of Ping An.

Hello, Ping An Fu is basically a single payment, some are still paid in advance, and now most insurance companies are paying extra. It depends on which one of your Ping An Fu.

If it is a malignant tumor, it will be paid up to 3 times, and if it is other critical illness, it can be paid once!

Looking at the terms of the insurance contract, the general compensation is paid once, or the contract shall prevail.

In your insurance contract, the insurance liability clause is agreed, you check your insurance contract. Because there are many versions of Ping An Fu, you don't say the specific version, you have to check your insurance contract by yourself and check the insurance liability agreement inside.

If you want to know more about insurance, please send me a private message.

Summary. 1. Critical illness protection: including 100 kinds of critical illnesses, 100% of the sum insured will be paid, and only 1 time will be paid;

2. Minor illness protection: including 50 kinds of mild illnesses, 20% of the sum insured will be paid, up to 3 times, and only 1 time will be paid for each disease.

3. Death benefit: In the event of death, 100% of the sum insured will be paid;

4. Increase in the sum insured (in the following two cases):

Exercise within two years: Within two years after the insurance application, if the monthly exercise reaches a certain standard, the critical illness and death insurance can be increased by 5%-10% of the sum insured, and the mild illness insurance can be increased by 1%-2% of the sum insured;

Mild illness before the age of 70: If the illness occurs before the age of 70, the critical illness and death benefit will be increased by 20% of the sum insured per session, up to a maximum of 3 times.

What is the protection after Ping An Fu's mild critical illness is paid?

1. Critical illness protection: including 100 kinds of critical illnesses, 100% of the sum insured will be paid, and only 1 time will be paid; 2. Minor illness protection: including 50 kinds of mild illnesses, 20% of the sum insured will be paid, up to 3 times, and only 1 time will be paid for each disease.

3. Death benefit: In the event of death, 100% of the sum insured will be paid; 4. Increase in the sum insured (in the following two cases): within two years of the exercise standard:

Within two years after applying for insurance, if the monthly exercise reaches a certain standard, the critical illness and death insurance can be increased by 5%-10% of the sum insured, and the mild illness insurance benefit can be increased by 1% -2% of the sum insured; Mild illness before the age of 70: If the illness occurs before the age of 70, the critical illness and death benefit will be increased by 20% of the sum insured per session, up to a maximum of 3 times.

How to reimburse the cost of each hospitalization.

First of all, you need to go to the designated hospital for hospitalization, and after hospitalization, you need to report to Ping An Insurance in time. After reporting the case, the staff of Ping An Insurance will tell the user what materials need to be prepared for reimbursement, such as examination reports, case diagnosis, invoices for hospitalization expenses, etc. After submitting the information to Ping An Insurance, Ping An Insurance will review the information, and after the review is passed, the hospitalization expenses will be reimbursed.

For example, Ping An Fu 2016 concluded that it was a mild and serious illness, and the first hospitalization cost 100,000 yuan, so how to make a claim?

Taking Ping An Fu Critical Illness Insurance as an example, its coverage includes:1120 critical illnesses can be insured, and 100% of the sum insured will be paid; 2.

It can insure 20 kinds of moderate diseases, and 50% of the sum insured will be paid; 3.It can insure 40 types of minor diseases, including carcinoma-in-situ, up to 6 times, and 20% of the sum insured can be paid each time; 4.Death benefit, 100% of the basic sum assured.

Hello, reimburse according to the reimbursement ratio of your contract's critical illness insurance.

Summary. Hospitalization expenses will not be paid after Ping An Fu critical illness compensation is paid.

Hospitalization expenses will not be paid after Ping An Fu critical illness compensation is paid.

According to national regulations: the hospitalization expenses will not be paid after Ping An Fu critical illness compensation is paid. Insurance Classification:

1. [Property insurance: enterprise property insurance, engineering insurance, automobile insurance, liability insurance, ship insurance, freight insurance, home property insurance, credit insurance, guarantee insurance, agricultural insurance]; 2. [Life insurance: accident insurance, medical insurance, critical illness insurance, life insurance, children's education insurance, pension insurance, annuity insurance, group insurance]; 3. [The types of car insurance can be divided into compulsory insurance and commercial insurance according to their nature].

Legal basis: The Social Insurance Law of the People's Republic of China was passed by the 17th Session of the Standing Committee of the 11th National People's Congress of the People's Republic of China on October 28, 2010, and is hereby promulgated to take effect on July 1, 2011. (Amended in accordance with the Decision of the Standing Committee of the National People's Congress on Amending the Social Insurance Law of the People's Republic of China adopted by the Seventh Session of the Standing Committee of the 13th National People's Congress on December 29, 2018) Table of Contents: Chapter 1, General Provisions, Chapter 2, Basic Pension Insurance, Chapter 3, Basic Medical Insurance, Chapter 4, Basic Medical Insurance, Chapter 4, Work-related Injury Insurance, Chapter 6, Unemployment Insurance, Chapter 7, Maternity Insurance, Chapter 8, Social Insurance**, Chapter 9, Social Insurance Administration, Chapter 10, Social Insurance Supervision, Chapter 11 Legal Responsibility Chapter 12 Supplementary Thank you for your trust in me, the above is mine, thank you

After Ping An Fu's critical illness claim is paid, our inpatient medical treatment for the next year cannot be renewed, and the insurance company refuses to renew the policy.

Normal will not be guaranteed.

All right! We thought about the hospitalization medical treatment attached to the main insurance we bought, and it was not the savings and consumption insurance we bought every year, how could we refuse to renew the insurance!

Re-audited.

The insurance company is now refusing to renew the policy outright.

Yes. The best thing to say is to re-review.

There are a total of 100 types of critical illnesses covered by Ping An Fu, and in addition to the 25 types of critical illnesses prescribed, Ping An Fu also provides an additional 75 types of critical illnesses. For example, multiple limb loss, severe burns, elephantiasis, severe muscular dystrophy, HIV infection through blood transfusion or AIDS, diffuse intravascular coagulation, pheochromocytoma, severe facial burns, etc.

Summary. Hello <>

We are glad to answer for you whether the main insurance will be repaid after Ping An Fu's critical illness is paid; After the critical illness is paid, the hospitalization can still be compensated. Kiss; Critical illness claims are payout-type, that is, if the critical illness meets the conditions for compensation, the insurance company will pay the insurance benefits at one time. The hospitalization compensation is reimbursement, that is, as long as it does not exceed the maximum sum insured, it can be reimbursed multiple times, so after the critical illness is paid, the medical expenses of hospitalization can still be compensated.

Will the main insurance be reimbursed after Ping An Fu critical illness is paid?

Hello <>

We are glad to answer for you whether the main insurance will be repaid after Ping An Fu's critical illness is paid; After the critical illness is paid, the hospitalization can still be compensated. Kiss; Critical illness claims are payout-type, that is, if the critical illness meets the conditions for compensation, the insurance company will pay the insurance benefits at one time. The hospitalization compensation is reimbursement, that is, as long as it does not exceed the maximum sum insured, it can be reimbursed multiple times, so after the critical illness is paid, the medical expenses of hospitalization can still be compensated.

Kiss; Ping An Insurance Group of China, referred to as "Ping An of China", is the first joint-stock insurance company in China, established in 1988 and headquartered in Shenzhen. Its business scope includes investing in insurance companies, supervising and managing various international businesses of holding investment enterprises, and carrying out insurance fund utilization business. Kiss; The business items are:

The licensed business projects are: investment insurance enterprises; supervise and manage the various domestic and international businesses of the holding and investment enterprises; Carry out the business of using insurance funds.

Ping An Fu is a life insurance.

Life insurance products are based on human life, and life itself is priceless, so it is not possible to price a life insurance product with a fixed amount. You can choose the appropriate ** according to your age, payment period, family income, etc., but it shall not be lower than the minimum limit of the insured amount stipulated by the company.

Ping An Fu (2019) Insurance Product Plan continues the classic advantages of comprehensive protection, multiple claims and protection growth, and expands the types of minor and critical illness benefits to 130. Suitable for all demographics. Term: Death, Critical Illness Benefit, Lifetime Accident Coverage, Up to age 70.

Children's insurance with coverage type.

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 and short-term payment of wealth management insurance, because health insurance can be attached to the exemption function, and wealth management insurance generally has compound interest and interest-bearing function!

4. Insurance must be bought early and late, and it must be bought sooner or later; Buy more insurance and buy less, buy as much as you want!

5. Insurance is first of all charcoal in the snow, and then it is the icing on the cake!

The specific recommendations for insuring your child are as follows:

1.When buying insurance for your child, you should first consider whether the adult is adequately protected, and don't put the cart before the horse.

2.Don't ignore local insurance policies, such as whether there is medical coverage for the elderly and the young.

2.Children's insurance, based on the basis of protection, then talk about education funds.

3.In terms of protection, accidents, critical illnesses, and medical treatment must be considered.

4.There are three types of children's insurance in the market: dividend, universal and investment-linked, and it is recommended to choose the first two.

5. Insurance planning, do what you can, don't deviate from the reality of affordability, then it is not insurance. Best, solve whatever you can? Don't aim for a one-step solution.

6.Remember the additional exemptions!!

6.Buying insurance for your children, don't plan too much for a rainy day, and plan your life, which is very unrealistic. Treat it rationally and do what you can. You can set short-term, medium-term, and long-term financial goals, but if you don't ask for them all, reverse the order, and it will be a mess and a waste of money.

7.First of all, we must clearly understand the above needs and rules, and then select a qualified ** person, which is very important and very important, and then choose an insurance company.

It is recommended to communicate with ** people in detail, and verify the multi-party auspicious thoughts, after all, face-to-face communication is the most practical and effective way to answer.

Extended reading: [Insurance] How to buy, which is better, teach you to avoid these insurance"pits"

Ping An Fu covers 80 critical illnesses and 20 minor and critical illnesses, of which minor and critical illnesses include:

1. Malignant tumors.

1. Early malignant lesions.

2. Carcinoma in situ.

2. Heart, cerebrovascular related.

3. **Cancer.

4. Pericardial resection.

5. Early primary cardiomyopathy.

6. Heart valve interventional surgery.

7. Carotid angioplasty or endarterectomy.

8. Cardiac pacemaker implantation.

9. Intra-aortic surgery.

3. Severe impairment of organ function.

10. Severe hearing loss.

11. Hepatic lobectomy.

12. Severe impairment of eyesight.

13. A single limb is missing.

14. Non-severe aplastic anemia.

Fourth, the nervous system is related.

15. Mild brain injury.

16. Mild cranial surgery.

17. Early motor neuron disease.

18. Pituitary tumor, brain cyst, cerebral aneurysm and cerebral hemangioma.

19. Moderate paralysis.

20. Moderate coma.