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Insurance is good, as long as you buy the right insurance for yourself is the best protection.
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Ping An Fu is the main insurance product promoted by Ping An at this stage, and one of the important reasons for the main promotion is that the sales of Ping An Insurance mainly rely on the best people, and in order to maintain the enthusiasm of the first people, the commission ratio of the product is higher.
Therefore, the main promotion or hot sale may not be equated with your own insurance needs or vital interests.
After all, this set of products is a product after the interest rate is opened, and the cost performance is not bad, but it is not the best. If you simply look at the cost performance, it is better to consider the products on the Internet, which are basically higher than the products sold by the best people.
As for claims and services, the products of the same company are the same online and offline. If there is more ** person or broker, there will be more "value-added" services provided by individuals, such as helping you deliver materials, consulting convenience, etc. However, the most fundamental service claims are completely the business of the insurance company, and the ** people have almost no influence to affect the amount and efficiency of the claim.
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One of the most cost-effective products. Ping An's business staff will buy this product themselves.
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What is not included in the Ping An Fu product portfolio plan.
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Full coverage, high protection, long-term protection, low premium.
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Ping An Fu (2018) Insurance Product Plan covers a number of liabilities such as critical illness, minor illness, accident, premium waiver, etc., and at the same time, considering the need for high protection after the occurrence of minor illness, the first to increase the amount of death and critical illness protection after the occurrence of minor illness, and can also increase the amount of protection for main insurance and critical illness insurance by meeting the exercise standards agreed in the terms, which is the best choice for the comprehensive protection plan for mid-to-high-end people.
Characteristics of insurance types: 1. You can grow up by choosing to pay off the increased amount of insurance.
In the case of choosing to pay off the increase amount, the insured amount of the main insurance and the additional critical illness insurance can be increased at the same time, so as to realize the function that the insured amount can be accumulated and increased over time.
2. Added 8 new types of specific mild critical illness benefits.
While continuing to cover 30 critical illnesses (28 for men), the Talisman Welfare Protection Plan adds 8 new types of "Specified Mild Critical Illness", and 20% of the basic sum insured of critical illness insurance is paid independently for mild critical illness, which does not affect the basic sum insured for critical illness.
The addition of "mild critical illness" not only expands the coverage of critical illness in a humane way, but also effectively increases the coverage amount of critical illness. If a customer is diagnosed with one of the 8 specified minor critical illnesses and then suffers from one of the 30 critical illnesses listed (28 for men), they can receive up to 120% of the basic sum assured of the critical illness insurance.
3. Accident protection is comprehensive and caring until ancient times.
Regardless of whether the customer is a driver or a passenger, if he or she is injured or dies in a traffic accident while driving a personal non-commercial vehicle, he or she will be compensated accordingly.
The self-driving accident benefit is combined with the original public transport accident benefit to form a more comprehensive traffic accident benefit. At the same time, the protection period of the Talisman Blessing accident can be up to the customer's 70th birthday, which has obvious advantages over the existing one-year accident insurance.
4. Accident protection suddenly breaks the payment period limit.
The insurance period does not have to be the same as the payment period of the main insurance, and it is extended beyond the payment period of the main insurance, and the accident insurance liability is up to the age of 70, which is no longer limited by the payment period of the main insurance and can enjoy more durable protection compared with other short-term accident insurance.
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Ping An Fu is an insurance business of Ping An Insurance Company, the main contents of which are as follows:
1. Life insurance of 260,000 yuan, lifelong protection, in this life, due to illness or accidental death, family members can get 260,000 yuan; In addition, 27-47 years old is the first struggle period of life, if you die of illness or accident, another 300,000 will be given; a total of up to 560,000 yuan;
2. Critical illness insurance of 180,000 yuan, in a lifetime, no matter how old you are, you can get a compensation of 180,000 yuan in advance in case of a critical illness;
3. Compensation for mild and serious diseases is 10,000 yuan, considering the early lesions and ** of some major diseases, and you can also get 10,000 yuan by virtue of the diagnosis;
4. 200,000 yuan for general accidental injury, 200,000 yuan for special accident injury insurance for public transportation or driving or private car, and the maximum compensation can be 400,000 yuan; The disability level is divided into 10 levels and 281 items, which is leading in the industry; Up to 400,000 in total;
5. Accidental medical treatment Medical expenses caused by accidents, including outpatient and inpatient, shall be paid by oneself below 100 yuan, with a maximum of 30,000 yuan per year;
6. Inpatient medical treatment is limited to 9,000 yuan per time, 4,500 yuan for non-organ surgery, 30,000 yuan for organ transplantation, and the reimbursement ratio is 80%;
7. Premium waiver function, if a major illness is found in 2 items during the payment process of 20 years, the insurance premiums for the subsequent periods will be exempted, and the remaining part of the main insurance and the long-term accident insurance part will continue to be valid.
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It is a lifelong critical illness insurance, which can be insured up to the age of 70 with accidental injuries, and can be supplemented with hospitalization for several specific minor illnesses, and it will be compensated for small bumps and bumps, and double the compensation for public transportation and self-driving.
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