Will the principal be returned? Does Ping An Insurance return the principal?

I am Zhengzhou Ping An, Ping An Fu is a protection type of insurance, low cash value, high protection, insurance has survival funds, dividends, etc., I don't know if you want to buy financial products and mistake Ping An Fu as a financial product.

Ping An Insurance Ping An Fu cannot return the principal.

Ping An is a well-known insurance company and the first joint-stock insurance company in China, and Ping An Fu is one of them. Ping An Fu's main insurance is a whole life insurance, so it is guaranteed for life, and the insurance contract is equal to the life of the insured, so the principal will not be returned. If you want to refund the money, you can only choose to apply for surrender.

In addition, surrender of the policy can only refund the cash value of the policy, not the full premium, and there will still be a lot of losses.

However, Ping An Fu has a death insurance benefit, and once the insured dies, Ping An will pay the death insurance benefit according to the insured amount, and the contract will be terminated at the same time.

Although Ping An Fu cannot return the principal, the protection is still very good, and the whole life insurance is combined with additional critical illness insurance and additional long-term accident insurance, and the protection is very comprehensive. In addition to death benefit, there is also critical illness benefit for life, and accident benefit up to the age of 70.

Ping An Fu can refund the principal, but this is a surrender.

Ping An Fu is a whole life insurance, and the validity period of the insurance contract is as long as the life of the insured, so it is impossible to return the principal without surrendering the policy.

Ping An Fu product insurance terms:

1.The duration of the insurance is for life.

2.In the event of the death of the insured, the "death benefit" shall be paid according to the insured amount, and the main insurance contract shall be terminated.

Extended Information] Ping An Insurance (Group) of China (hereinafter referred to as "Ping An Insurance Group") (hereinafter referred to as "Ping An Insurance (Group) of China" (hereinafter referred to as"Ping An of China", Ping An Insurance"，"Ping An Insurance Company of China"，"Ping An Group"Founded in 1988 in Shekou, Shenzhen, it is the first joint-stock insurance company in China, and has developed into an integrated, close and diversified comprehensive financial service group integrating financial insurance, banking, investment and other financial services.

It is listed on the main board of the Hong Kong Stock Exchange and the Shanghai ** Stock Exchange, with **** 02318 and 601318 respectively.

In 2019, it ranked 7th in the Forbes Global 2000, jumping three places from its 2018 ranking. Ranked No. 1 among the world's diversified insurance companies, No. 5 among many shortlisted companies in China, and No. 6 among global financial companies; "2019 Brandz Top 100 Most Valuable Global Brands" was announced, and Ping An ranked 40th; brand finance "2019 Top 500 Global Brand Value"On the list, Ping An's brand value ranks 14th in the world.

In"Brand Finance Insurance 100 2019"In the ranking, Ping An of China topped the list; On September 1, 2019, the list of China's top 500 service enterprises in 2019 was released in Jinan, and Ping An Insurance (Group) of China ranked third. In December 2019, Ping An Insurance (Group) Co., Ltd. of China was selected as one of the top 100 brands in the 2019 China Brand Power Ceremony. On December 18, 2019, People** released the China Brand Development Index 100 list, and Ping An ranked 20th.

In March 2020, it was selected as the 9th in the top 500 global brands in 2020. On September 28, 2020, it was selected into the list of the top 500 Chinese enterprises in 2020, ranking sixth. In 2020, the Fortune Global 500 ranked 21st, up eight places from 29th in 2019.

In 2021, the Fortune Global 500 ranked 16th.

It will not be returned. Ping An Fu Shangfu 20 does not return the principal, and the protection includes 100 kinds of critical illnesses, 60 kinds of minor illnesses, death benefit, exemption of the insured, and optional additional cancer multiple claims, and exemption of the policyholder, because the protection period is lifelong, even if the insured is not sick, the death insurance benefit can be obtained after death, with a certain savings function.

Extended Materials. Characteristics of critical illness insurance.

1. Attributes:

Critical illness insurance is a category of social insurance, which is protective and not for profit.

2. In terms of protection objects:

Critical illness insurance covers the insured (co-ordinators) of urban residents' medical insurance and NCMS.

3. Guarantee content:

Critical illness insurance is to protect the high medical expenses of serious illnesses that need to be borne by individuals after the medical insurance for urban residents and the compensation of the New Rural Cooperative Medical System.

4. Cost:

The funds will be allocated from the medical insurance for urban residents and the New Rural Cooperative Medical System, and will not increase the burden of individual contributions.

5. Reimbursement ratio:

The reimbursement ratio of critical illness insurance is different across the country, and the upper limit of reimbursement is also different.

Taking the reimbursement ratio of Beijing's serious illness medical insurance as an example, the reimbursement method of "segmented calculation and cumulative payment" is implemented

Expenses incurred by urban and rural residents above the minimum payment amount and within 50,000 yuan (inclusive) shall be reimbursed by 50% of the serious illness insurance funds.

Expenses exceeding 50,000 yuan will be reimbursed by 60% of the critical illness insurance funds, with no upper limit, and a medical insurance will be settled once a year.

Critical illness insurance covers the following illnesses:

chronic severe hepatitis, cirrhosis; Tuberculosis, psychiatric disease, postoperative cardiovascular and cerebrovascular stenting, myasthenia gravis, motor neuron disease, acral gangrene, avascular necrosis of the femoral head, onset (cutaneous) myositis, panniculitis.

Epilepsy, Parkinson's disease, multiple sclerosis, systemic lupus erythematosus, polyarteritis nodosa, Behcet's disease, systemic sclerosis, hypercortisolism, primary hyperaldosteronism, rheumatoid arthritis (active), Henoch-Schonlein purpura and nephropathy, thrombocytopenic purpura, pituitary tumor, diabetes insipidus, polycythemia vera, essential thrombocythemia, primary **fibrosis.

Chronic renal insufficiency, chronic aplastic anemia, hemolytic anemia, dysplastic syndrome, idiopathic pulmonary fibrosis, bronchial asthma, bronchiectasis, nephrotic syndrome, chronic cardiac insufficiency.

Valve replacement anticoagulation**, diabetes mellitus with heart, kidney, ophthalmic, neuropathy; Hypertension complicated with heart, brain, kidney, and vascular complications; Sequelae of stroke, uremic dialysis**, malignant tumors, organ transplantation, leukemia.

Ping An Fu is currently the most insured and most popular product of Ping An Company's customers, so is Ping An Fu a consumer insurance? Ping An Fu is not a consumer insurance, it is a protective insurance, with comprehensive protection, including accidents, critical illnesses, and accidental medical treatment, and premiums can also be waived.

Ping An Fu is a lifelong product, the payment method has a one-time payment, 10 15 20 years payment, 30 years payment, etc., if you pay it off at one time, the minimum amount of the main insurance is 500,000, and the minimum amount of the main insurance is 150,000, 120,000 for critical illness, and 150,000 for accidents. There are 80 types of critical illness benefits and 20 types of mild critical illnesses. The critical illness benefit amount is high, and the critical illness benefit will be paid immediately upon diagnosis.

Critical illness not only incurs high medical costs, but also causes business interruption due to a long period of time, affecting the economy. Ping An Fu Plan pays 100% of the basic sum insured upon diagnosis of critical illness, which can easily solve the critical illness benefit agreed in the contract for you and compensate for the loss of income.

Self-driving accident coverage is doubled and the coverage period is longer. According to the characteristics of middle-class self-driving travel, Ping An Fu Plan tailors the insurance liability, providing double the sum insured for accidental injuries while driving or riding in a non-operating private car or public transportation, covering a full range of coverage. What's more humane is to extend the accident insurance liability to the age of 70, so that customers can enjoy protection for a longer time.

Ping An Fu is not a consumer-oriented product, it is a lifelong product with many protection contents, strong protection, and the functions of premium waiver and reserve pension. In addition, the predetermined interest rate of the product is 4%, which is higher than the current deposit interest rate, which can help policyholders realize capital appreciation. Ping An Fu does not have a return function, and there is no need to pay the money after the expiration of the period, and you can enjoy the protection for life, but the principal will not be returned.

If you want to get the money back after the expiration of the term, you can only surrender the policy, and the protection will be terminated if you surrender the policy, and the surrender is only the cash value, not necessarily so much principal, there is a risk of loss, so it is not recommended to do this.

It is not a consumer-based insurance, this insurance is a participating insurance. And there will be some critical illness insurance, as well as life insurance and the like. The principal will be returned after the expiration of the payment period, but no one has received the principal yet, because this insurance has just been introduced.

Yes, the principal will be repaid after the expiration of the term, and there are various types of insurance products in Ping An Fu.

Ping An Fu is not a consumer insurance, and the principal will be returned after the expiration of the payment period, which is a relatively cost-effective insurance.

Summary. Ping An Fu Shangfu 20 is non-returnable, including 100 kinds of critical illness, 60 kinds of mild illness, death benefit, insured exemption, and you can also choose to add multiple claims for cancer, and the policyholder is exempted, because the protection period is lifelong, even if the insured is not sick, you can get death insurance benefits after death, with a certain savings function.

Ping An Fu Shangfu 20 returns the principal.

Ping An Fu Shangfu 20 is non-returnable, including 100 kinds of critical illness, 60 kinds of mild illness, death benefit, insured exemption, and you can also choose to add multiple claims for cancer, and the policyholder is exempted, because the protection period is lifelong, even if the insured is not sick, you can get death insurance benefits after death, with a certain savings function.

If you want to return the principal, you can only surrender the policy.

How to handle the person said that 20 years to pay 20w to 20 years to automatically return 30w, this may be the sales in order to attract your investment deliberately said.

Do you want to see if he can automatically return 300,000? Does it depend on the contract? Because the contract is legally valid.

If the contract says that there are 300,000, then there is indeed something.

Summary. If the policyholder wants to get back the principal, he can choose to surrender the policy in advance, return the cash value of the product, and terminate the insurance contract.

Does Ping An Insurance return the principal?

Hello, I am my partner Mr. Chen, I have received your question, the reply takes about 3 5 minutes, please be patient for a while Thank you

Ping An Fu does not return the principal.

Because Ping An Fu is a product combination of life insurance + critical illness + light illness + accident insurance + medical insurance, the protection period of its main insurance life insurance and critical illness insurance is fixed and guaranteed for life, that is, it is the same length as the life expectancy of people. Premiums are not refunded until the end of life.

If the policyholder wants to get back the principal, he can choose to surrender the policy in advance, return the cash value of the product, and terminate the insurance contract.

However, as we all know, the cash value of Ping An Fu is extremely low, and the loss of the policyholder is very large.

Usually, if the policy is surrendered in the first year, the cash value is only a few hundred dollars. However, the cash value is also constantly increasing, usually about 40 years after the insurance is taken, and the amount can be the same as the premium paid.

To sum up, the surrender of Ping An Fu needs to be carefully considered and carefully chosen.