Hello! Do you have any terms and conditions for the Ping An Fu 2017 contract? Want to find out! Than

Yes, but I can't type that many words!

Ping An Fu is a pure protection type of insurance and has no pension function. This propaganda was printed and produced without being reviewed by the Insurance Regulatory Commission, and the insurance company did not recognize it.

Not only Ping An, but also some of the best people in many companies will add the term pension function when they promote this kind of pure protection insurance. At the beginning, with the most powerful publicity of Kangning of Chinese life, Corning has a pension function for more than ten years, and after not seeing any punishment from the Insurance Regulatory Commission, many insurance companies also followed suit and publicized like this.

In fact, this pension function is a different concept from the pension function that most of our customers understand. The pension mentioned here actually refers to the surrender of the insurance and the cash value for the elderly, which is a very cost-effective behavior. At the age of sixty or seventy, surrendering the insurance and taking money for retirement is far less than the money paid after death.

For example, at the age of 65, the surrender will receive 150,000 yuan, but if the death benefit is generally more than 200,000 yuan.

Ping An Fu 2019 Plan remains unchanged in terms of insurance rules, and the insured population is 18-55 years old; There are 4 types of payment periods, the longest payment period is 30 years; The waiting period is 90 days, and it mainly provides coverage for death, illness, malignancy, accident, hospitalization, waiver, etc.

The details are as follows: 1) Death benefit (life insurance): the death benefit is based on the amount of filial piety insured; If the sports standard is met, the additional benefit will be 5% of the sum insured in Standard 1 and 10% in Standard 2. For each occurrence of a specific minor illness, the Death Sum Assured will be increased by 20% up to a maximum of 3 times.

2) Illness protection: Ping An Fu 2019 provides 30 types of minor illness protection, with 3 claims and 20% of the sum insured each time; 100 types of delayed critical illness benefit, 1 claim, and mild and critical illness benefit also provide additional benefits to meet the sports standard; The critical illness benefit will be increased by 20% for each occurrence of a specific minor illness, up to a maximum of 3 times.

3) Malignant tumor benefit: If the first critical illness is a malignant tumor, you can get two additional malignant tumor insurance benefits. For every 5 years since the last malignant tumor, if the malignant tumor is still diagnosed or newly diagnosed for the second or third time, the malignant tumor insurance benefit can be paid at an additional rate of 100% of the sum insured.

If you are dealing with malignant tumours, you can also waive the death premium.

4) Accident protection: 1 times the accident insurance amount will be paid for general accidents, 2 times the accident insurance amount will be paid for traffic accidents, and accidental disability will be paid proportionally.

5) Inpatient medical treatment: For the first diagnosis of a critical illness agreed in the contract, the part of the hospitalization medical expenses inside and outside the social insurance that exceeds the deductible of more than 300,000 yuan within 3 years can be reimbursed, and the upper limit of the reimbursement amount is equal to the critical illness insurance amount, with a maximum of 1 million yuan.

6) Premium waiver: The insured can be exempted from minor illness, and the subsequent premium can be waived if the insured suffers from the agreed mild illness.

1.Not exactly.

2.Ping An Life's Ping An Fu has been upgraded again, adding 15 types of critical illness benefits and expanding the scope of critical illness coverage to 45 on the basis of maintaining the original insurance liabilities such as critical illness, mild critical illness, traffic accident, death, disability, premium waiver and so on.

3.Insurance Period: Death, Critical Illness Coverage for Lifetime Accident Coverage up to age 70.

If a major illness is diagnosed in the future, the insurance company will pay the sum insured of 200,000 or N0,000.

5.In the event of an accidental injury after the effective date of the policy, the medical expenses can be covered within the insured amount for outpatient hospitalization.

6...Others, please read the terms and conditions of the insurance liability carefully.

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