How about Ping An Plus Ping An Fu Critical Illness Insurance in advance

Xueba talks about insurance, focusing on insurance product evaluation! How does Ping An Fu compare to popular critical illness insurance in the market? This comparison table gives you the answer"Comparison Table of 136 Popular Critical Illness Insurance in China".

Ping An Fu is a product of Ping An Insurance, which has certain brand protection advantages, and in addition to basic protection, there are additional critical illness insurance coverage that can be increased, as well as sports insurance increases. These are some of the highlights of this product. But this product is not perfect, there are many shortcomings, you want to know how the product is, whether it is good or not, whether it is worth buying, to take a comprehensive view, I will introduce it in detail below:

Ping An Fu is the most representative product of Ping An Insurance, which is upgraded at least once a year, and if you want to ask about the latest version, it is Ping An Fu 20. I have also studied this new version, but it can be said that there is very little between the new version and the old version? See this article for details:

"The new version of Ping An Fu 20 is coming! This deficiency has not changed.

Let's take a look at the comparison of several versions of Ping An Fu, and you can see the upgrade of Ping An Fu 20:

From the table above, we can see that compared with the previous versions, the protection of Ping An Fu 20 has not changed much, and what has been done better is to cancel the sales of long-term accident insurance.

However, the disadvantages are quite obvious! For example, these are a few shortcomings:

1.Incomplete coverage:There is no such thing as moderate illness protection, but excellent critical illness insurance will have moderate illness protection.

2.Low payout:20% is the percentage of claims for minor illnesses, while the average is 30%.

3.Poor Cancer Benefit Setup:Ping An Fook 20 suffered from cancer for the first time, and only after 5 years could he get cancer protection again; If you suffer from a non-cancer critical illness for the first time, the contract will be terminated directly.

The excellent product is the first cancer and can be repaid after 3 years; If you suffer from a non-cancer critical illness for the first time, you will receive a cancer benefit after 1 year.

4.No waiver:20 of the insured waiver requires an additional add-on, which means paying more, but nowadays good critical illness insurance will include the insured waiver benefit.

Based on the above situation, the cost performance of Ping An Fu 20 is not high, if it is an ordinary family, perhaps it is most suitable to buy some cost-effective critical illness insurance products.

In order to stop everyone from being confused, I have fished out all the good products in the vast sea of products, don't be lazy, remember to collect and compare"."Top 10 Cheap and Good Price Critical Illness Insurance Points in 2020! 》Hope!

As far as Ping An is concerned, it is a good product, but the overall cost performance is not high.

Recommend China Life Kangning, Ping An Ping An Fu, Taibao Jinyou Life, Zhongyi Life, which one you think is good.

Summary. Dear and Hello, Professional Analysis: Lukfook Insurance Plan has a 100% critical illness benefit.

Critical Illness Benefit Amount 100% Basic Sum Assured Critical Illness Type 120 Critical Illness Grouping 6 Groups of Claims 6 Interval 1 Year Critical Illness Extra Benefit Cumulative 18 months: 5% Supplementary Insurance Basic Sum Assured Cumulative 24 months: 10% Supplementary Insurance Basic Sum Assured Moderate Illness Benefit Amount 50% Basic Sum Assured Moderate Illness Type 20 Claims Interval 1 Interval No Moderate Illness Group No Moderate Illness Additional Benefit Cumulative 18 months:

Cumulative 24 months of the basic sum assured of the rider: 5% of the basic sum assured of the rider.

Dear and Hello, Professional Analysis: Luk Fook Insurance Plan's Critical Illness Residual Lap Disease Insurance Benefit is 100%. Critical Illness Benefit: 100% of Basic Sum Assured, Types of Critical Illness, 120 Critical Illness Groupes, 6 Groups, Number of Claims, 6 Intervals, 1 Year Critical Illness Extra Benefit, Cumulative 18 months:

5% of the basic sum assured of the supplementary insurance for 24 months: 10% of the basic sum assured of the supplementary insurance, the amount of the intermediate illness benefit, 50% of the basic sum assured, the type of the intermediate illness, the number of claims 20 times, the interval of 1 time, no intermediate disease grouping, no grouping of the intermediate illness additional benefit, 18 months of accumulation: 24 months of the basic sum assured of the additional insurance:

5% of the basic sum assured of the rider.

The general cost of major diseases is about 300,000 yuan. The critical illness insurance amount of 300,000 yuan is only the starting point, and it can only be used for ** expenses. After the end of the critical illness, there will be a longer period.

During the first period, someone needs to take care of it, and the nutrition needs to keep up, so the cost of care and living expenses are very high. The critical illness insurance amount should be allocated from 300,000 yuan, and the budget should be allocated to 500,000 yuan or more.

Critical illness insurance premium budget: If you have enough budget to talk about, you can choose whole-life, savings or return-based critical illness insurance. If you buy a pure critical illness insurance without death, the premium is about one-third less, but the sum insured is the same.

There is almost no budget, you can buy one-year critical illness insurance first, spend two or three hundred yuan, this is just a stopgap measure, after you have a budget, supplement long-term or reputation lifelong protection.

Summary. Ping An Fu Critical Illness Advance Payment Standard: Claims can be made for critical illnesses listed in the contract.

Ping An Fu has critical illness compensation, as well as 8 types of mild critical illness compensation of 20% in advance, critical illness compensation of 100%, a total of 120% compensation, as long as the diagnosis certificate is verified by the company, it can be paid in advance;

All insurance companies are executed in accordance with the insurance contract, as long as it is a critical illness in the contract, it will be paid, and the exempt part will not be paid. Exemption means that the insurance company will not accept it, such as if you did not truthfully inform you when purchasing a critical illness.

Ping An Fu Critical Illness Advance Payment Standard.

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Ping An Fu Critical Illness Advance Payment Standard: According to the critical illness listed in the contract, Brother Liang shouted that the claim can be made. Ping An Fu has critical illness compensation, as well as 8 types of light key matching critical illness compensation 20% in advance, critical illness compensation 100%, a total of 120% compensation, as long as the diagnosis certificate is verified by the company, Xianye can be paid in advance; All insurance companies are executed in accordance with the insurance contract, as long as it is a critical illness in the contract, it will be paid, and the exempt part will not be paid.

Exemption means that the insurance company will not accept it, such as if you did not truthfully inform you when purchasing a critical illness.

Hello dear, the mild illness insurance benefit is 0.05 of the basic insurance amount of critical illness paid in advance by Ping An Lukfook. Related information: The mild diseases of An Luk Fook in Pyeongdong Juqiao include malignant tumors - mild, carcinoma in situ, heart valve intervention, aortic intervention, pericardial resection, etc.

Ping An Lukfook Critical Illness Insurance is a new definition of critical illness insurance product launched by Ping An Life. It is underwritten in the form of both main insurance and supplementary insurance. It is equivalent to a returnable critical illness insurance, which can return 100% of the premium paid if you are still alive at the age of 80 and have not had an accident.

As a critical illness insurance with multiple claims in groups, the grouping of critical illnesses is reasonable.

Taking Ping An Fu 21 as an example, Ping An Fu is a critical illness insurance, and its main protection contents include:

1.Death Insurance: Basis or Principal Sum Insured can be paid;

For mild illness, it can be compensated for 6 times, and 20% of the basic sum insured of the main insurance can be compensated for each group cavity;

Moderate illness, which can be compensated once, and 50% of the basic sum insured of the main insurance can be compensated;

Critical illnesses can be compensated once, and the basic sum assured of the main insurance can be paid 100%.

In addition, if the insured meets the sports standard in accordance with the insurance contract, he can also pay additional death insurance, mild insurance, moderate insurance, serious disease insurance, etc.