Ping An add on Xinsheng pays critical illness insurance in advance. What are you covered?

"Domestic Popular Life Insurance Comparison Table Newly Released".

Ping An Xinsheng Master Insurance is a participating whole life insurance with an additional critical illness insurance with early payment. To tell a joke, isn't it like the two-in-one shampoo product launched in the early years, people with a little knowledge of shampoo and hair care know that shampoo is alkaline, conditioner is acidic, and rubbing the two together is nothing more than catering to the needs of the people.

In my opinion, the advantage is probably this:

1.Brand Qualification:Ping An's popularity is very high, after all, it is a senior player in the insurance industry.

There are a lot of disadvantages:

How can you only cover critical illness? Moderate to mild illness coverage is missing!

2.Shared Sum Assured:The death and critical illness insurance of this product share the sum insured, if you unfortunately suffer from a critical illness during the policy period, after paying a sum of money, there will be no sum insured in the event of death.

3.Policy dividends are not fixed:Dividends ≠ cash value, and the value of dividends is not fixed, but is calculated based on the performance of the insurance company for the year. The revenue share is uncertain, with or without, more or less.

4.High Premiums:A 30-year-old man insures 500,000 yuan with an annual premium of about 10,000 yuan, and the income is uncertain, so it is better to keep the money in the bank for interest.

"It is said on the Internet that [Ping An Xinsheng] is not good, not without reason! 》

Why are participating insurance complaints so high? Demystifying the Mystery of Dividend InsuranceHope!

If you are an existing customer, it is recommended to read the policy contract carefully, which contains detailed instructions and text explanations.

Or check your own ** person in detail, or call 95511 for verification.

If a new customer chooses the product, apply for insurance.

1.Age is the primary consideration.

2.The expenditure of family premiums should be 10%-15% of the annual family income, and the sum insured should be set at 6-10 times the annual income. However, it should be analyzed on a case-by-case basis.

5.Under the premise of social security, plan commercial insurance, with a focus on accidents and critical illnesses. Social security and commercial medical insurance, can not be reimbursed repeatedly, remember.

6.At the same time, pay attention to the security of family members, protect the people around them as much as possible, and achieve comprehensive family protection, otherwise the protection is unbalanced, and the meaning of protection will be missing.

7.It is important to prioritize the protection of the main income earners of the family as much as possible.

8.Recommended: Ping An Talisman Participating Insurance, Ping An Universal Insurance, Ping An Fu Whole Life Insurance.

9.My personal advice is to communicate extensively and effectively with ** people, after all, face-to-face communication is the most direct and effective. If necessary, you can also directly call the customer service of the relevant insurance company** for verification and consultation.

Summary. Yes. Insurance-related regulations stipulate that critical illness insurance cannot have a dividend function.

Because critical illness is protection, dividends are financial management, and risk management methods are different.

However, in order to make the insurance look lively and circumvent insurance regulations, insurance companies put together two clauses.

It is essentially two types of insurance, with two clauses, corresponding to two insurance liabilities and corresponding to two premium standards.

Is the advance payment of Ping An Xinsheng's critical illness insurance and the money for claims together?

Yes. Insurance-related regulations stipulate that critical illness insurance cannot have a dividend function. Because critical illness is protection, dividends are financial management, and risk management methods are different.

However, in order to make the insurance look lively and circumvent insurance regulations, insurance companies put together two clauses. It is essentially two types of insurance, with two clauses, corresponding to two insurance liabilities and corresponding to two premium standards.

For example, if my coverage is 50,000, the claim payment will be 50,000, right?

Yes. That's what it means.

1. Death insurance benefit: If the insured dies, the insurance company will pay the death insurance benefit according to the insured amount, and the contract will be terminated;

2. Critical illness insurance benefit: After the waiting period, the insurance company will pay compensation for the first diagnosis of a critical illness in the contract;

3. Accidental death or disability insurance: If the insured dies or becomes disabled in an accident, the insurance company will pay compensation according to the contract;

4. Accident medical insurance: The insurance company shall pay the expenses incurred by the insured in the event of accidental medical treatment according to the contract.

Summary. Ping An Xinsheng is a critical illness insurance product launched by Ping An Insurance, and the critical illnesses covered may vary depending on the product. In general, Ping An Xinsheng Insurance covers the following diseases:

1.Cancer (malignancy) 2Myocardial infarction 3

Stroke 4Coronary angioplasty or laser radiofrequency ablation after coronary artery bypass grafting or percutaneous coronary angiography (coronary artery stenosis 50% only)5Severe Organ Transplantation:

Kidney transplantation, liver transplantation, heart transplantation, lung transplantation, bone marrow transplantation, etc. 6Aortic surgery: Aortic surgery performed with thoracotomy or thermodiastolic repair.

For example: aortic aneurysm, aortic stenosis, dissection aneurysm, etc. 7Chronic liver failure decompensated stage 8

Chronic renal failure uremia above the stage is only some important diseases, different Xinsheng products may have differences in coverage, claim settlement, etc., it is recommended that you fully understand the relevant terms and conditions of the product before purchasing.

Ping An Xinsheng is a critical illness insurance product launched by Ping An Insurance, and the critical illnesses covered may vary depending on the product. In general, Ping An Xinsheng Insurance covers the following diseases:1

Cancer (malignancy) 2Myocardial infarction 3Stroke 4

Coronary angioplasty or laser radiofrequency ablation after coronary artery bypass grafting or percutaneous coronary angiography (coronary artery stenosis 50% only)5Severe organ transplantation: kidney transplantation, liver transplantation, heart transplantation, lung transplantation, bone marrow transplantation, etc. 6

Aortic surgery: Aortic surgery performed with thoracotomy or thermodiastolic repair. For example:

Aortic aneurysm, aortic stenosis, dissection aneurysm, etc. 7Chronic liver failure decompensated stage 8Chronic renal failure and uremia above are only some important diseases, different Xintan Naibian Gumsheng products may have differences in coverage, claim settlement, etc., it is recommended that you fully understand the relevant terms and conditions of the product before purchasing.

Can you tell us more about that?

Ping An Xinsheng is a critical illness insurance product launched by Ping An Insurance, and the critical illnesses covered may vary depending on the product. In general, Ping An Xinsheng Insurance covers the following diseases:1

Cancer (malignancy) 2Myocardial infarction 3Stroke 4

Coronary angioplasty or laser radiofrequency ablation after coronary artery bypass grafting or percutaneous coronary angiography (coronary artery stenosis 50% only)5Severe organ transplantation: kidney transplantation, liver transplantation, heart transplantation, lung transplantation, bone marrow transplantation, etc. 6

Aortic surgery: Aortic surgery performed with thoracotomy or thermodiastolic repair. For example:

Aortic aneurysm, aortic stenosis, dissection aneurysm, etc. 7Chronic liver failure decompensated stage 8Chronic renal failure and uremia above are only some important diseases, different Xintan Naibian Gumsheng products may have differences in coverage, claim settlement, etc., it is recommended that you fully understand the relevant terms and conditions of the product before purchasing.

Xinsheng 12 is a lifelong dividend insurance, you have been paying this until you are old, and there is no additional critical illness insurance.

It has the following functions, the insurance company gives dividends every year, but the dividends are uncertain, and all the dividends will be added to the sum insured of the main insurance.

Death liability, the unfortunate death of the insured, directly claim the sum insured to the family, the additional insurance amount is low, the premium is high, and it is not suitable for the product.

The following are all additional insurances, all of which are paid once a year, and if you don't pay, there will be no protection, hospitalization expenses, and how much will the hospitalization insurance company reimburse.

The daily amount of hospitalization, how much money the hospitalization insurance company will give you every day.

Accidental medical treatment, how much medical treatment can be reimbursed in the unfortunate event of an accident.

Additional accidents, accidental and unfortunate death, and a claim of 100,000 yuan to the family.

Taiping's Million Dollar Carnival is a million-dollar accident insurance, which only covers death.

Notch. From your description, you can see that your gap is mainly.

The accident protection is too low, only 100,000 yuan, and the premium is 200 yuan, and now 200 yuan can protect 300,000 yuan for death, 30,000 yuan for accidental medical treatment, and 150 yuan for accident allowance.

There is no critical illness insurance, and a critical illness insurance is required.

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

Ping An Xinsheng Ping An is a participating insurance with investment attributes. In addition to dividends, it also covers death and critical illness. However, it should be noted that the dividends in the dividend insurance are uncertain, and you can see how unreliable the dividends are by looking at the complaint rate of the dividend insurance for one year:

Why are participating insurance complaints so high? Demystifying the Mystery of Dividend Insurance

Buying insurance is buying protectionTo be honest, the critical illness protection of this insurance is not cost-effective. The common mild illnesses on the market are not insured, but they are much more expensive than those well-protected critical illness insurance. The most important thing is the Supplementary Critical Illness Benefit and the Death Sum Assured.

If you have paid for critical illness, you cannot pay for death. Full details of the review can be found here:Ping An [Xinsheng], the income and security are choking.

I have always emphasizedProtection is protection, and financial management is financial management. If you want to do a good job in critical illness protection, I suggest you take a look at these inventory of mine, and the comprehensive protection is cost-effective:Top 10 [Worth Buying] Critical Illness Insurance Points!

Ping An Insurance Xinsheng Critical Illness 12 can pay 30 types of critical illness1 and malignant tumors.

2. Acute myocardial infarction.

3. Sequelae of stroke.

4. Major organ transplantation or hematopoietic stem cell transplantation.

5. Coronary artery bypass grafting (or coronary artery bypass grafting) 6. End-stage renal disease (or chronic renal failure uremia stage) 7. Multiple limb loss.

8. Acute or subacute severe hepatitis.

9. Benign brain tumor.

10. Decompensated stage of chronic liver failure.

11. Sequelae of encephalitis or meningitis.

12. Deep coma.

13. Deafness in both ears.

14. Blindness.

15. Paralysis.

16. Heart valve surgery.

17. Severe Alzheimer's disease.

18. Severe brain injury.

19. Severe Parkinson's disease.

20. Severe burns.

21. Severe primary pulmonary hypertension.

22. Severe motor neuron disease.

23. Loss of language ability.

24. Severe aplastic anemia.

25. Aortic surgery.

26. Severe multiple sclerosis.

27. Severe type 1 diabetes.

28. Erosive molar pregnancy (or malignant molar pregnancy).

29. Systemic lupus erythematosus complicated by severe renal impairment.

30. Severe primary cardiomyopathy.

Hello! According to the protection responsibilities you described, the protection content of this type of insurance involves children's critical illness, children's hospitalization medical insurance, accident medical insurance, personal and other protection. As for the specific type of critical illness for children, you can find out your insurance wording, which is described in detail.

Hello, critical illness 12 is to protect critical illness, 100,000 yuan will be paid when diagnosed, 28 types of men, 30 kinds of women, a total of more than 470 categories; Guardian life 07 is insured due to illness hospitalization medical treatment, limit 20,000 times, accident medical treatment is insured due to accidents caused by outpatient or hospitalization costs, limit 20,000 times, hospitalization day refers to hospitalization allowance, such as buy 5 copies of hospitalization on the daily allowance of 50 yuan, you this insurance is very good, Xinsheng critical illness and guardian life 07 are paid for 20 years can be insured for life, and accidental medical treatment is insured during the payment period. Now that Guardian Life has been discontinued, none of the new medical insurance has been insured. Hope it helps.

As a whole life insurance, Ping An Xinsheng Whole Life Insurance (Participating) is mainly insured at the age of 0 (28 days old) -65 years old for healthy people, and the insurance period is lifelong. If you are a 30-year-old male, you can apply for Ping An Xinsheng Whole Life Insurance (dividend), with a basic insurance amount of 100,000 yuan, 20 years of payment, and an annual insurance premium of 2,910 yuan. The product features of Ping An Xinsheng Whole Life Insurance (Participating) include low premiums and high protection, reflecting the true meaning of insurance; A variety of payment methods to meet the needs of individuality; The long road of life, safe and lifelong companionship; Annual policy dividends with extra surprises.

The basic insurance benefit of Ping An Xinsheng Whole Life Insurance (Participating) is the death insurance benefit, that is, the death of the insurer, and Ping An of China will pay 100,000 yuan of death insurance benefit.

Depending on your policy, the coverage has:

1. 100,000 yuan will be paid in advance for major diseases, including 28 types of men and 30 types of women, and the insurance period will be lifelong.

2. Guarding a lifetime is a lifelong medical insurance, which belongs to the subsidy type, and the hospitalization will be received according to the fixed amount of the contract.

3. The daily amount of hospitalization is an additional fixed allowance in addition to the cost of hospitalization, calculated on a daily basis, and the insurance period is 20 years of the payment period.

4. Accidental medical treatment B is a medical outpatient reimbursement expense after a small accidental injury is out of medical insurance, with a total annual reimbursement of 20,000 yuan, and the insurance period is 20 years of the payment period.