What are the major diseases of Ping An Wisdom Star?

If you inquire about "Ping An Wisdom Star Whole Life Insurance (Universal)", which belongs to Ping An Life Insurance Co., Ltd., you can call Ping An Life customer service **95511-1 for professional consultation.

Ping An Wisdom Star 30 Critical Diseases Summary:

1. The following critical illnesses are defined by the Insurance Association of China and the Chinese Medical Doctor Association:

1. Malignant tumors (common malignant tumors include: nasopharyngeal cancer, lung cancer, esophageal cancer and cardia cancer, gastric cancer, primary liver cancer, colorectal cancer, breast cancer, malignant lymphoma).

2. Acute myocardial infarction 3. Sequelae of stroke.

4. Transplantation of vital organs or hematopoietic stem cells (kidney transplantation, heart transplantation, lung transplantation, liver transplantation, bone marrow transplantation).

5. Coronary artery bypass grafting6, end-stage renal disease (uremia)7, multiple limb loss8, acute or subacute severe hepatitis.

9. Benign brain tumor 10. Chronic liver failure and loss of generation.

11. Sequelae of encephalitis 12. Deep coma.

13. Deafness in both ears 14. Blindness in both eyes.

15. Paralysis 16. Cardiac membrane discrimination surgery.

17. Severe Alzheimer's disease (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.

The following critical illnesses are added beyond the scope of diseases defined by the Insurance Association of China and the Chinese Medical Doctor Association:

26. Severe multiple sclerosis 27. Severe type 1 diabetes.

28. Malignant molar pregnancy (female) 29, systemic lupus erythematosus (female) 30, severe primary cardiomyopathy.

Xueba talks about insurance, focusing on insurance evaluation! Let's start with an up-to-date comparison table of children's insurance:"Super Complete! Comparison Table of 136 Popular Children's Critical Illness Insurance in China".

Ping An Wisdom Star has 30 kinds of major diseases, and we will look at the terms of the contract for details, and here is a detailed analysis of how this product of Wisdom Star is

Wisdom Star is a universal insurance of Ping An Life, which is an insurance specifically for children.

Let's first briefly understand what universal insurance is. It is a kind of financial management + protection insurance, and the main insurance is generally financial management.

In the ** population, this kind of protection covers everything, which can not only provide support such as education funds, wedding funds, pensions, etc., but also provide universal insurance for critical illness, death, accidents, etc. It should be noted that universal insurance is not as versatile as you think, you just look at this deeply picked wisdom star:"When you don't know, how much money did Ping An [Wisdom Star] deduct from you".

We don't blow it or black, but evaluate it objectively:

Let's take a look at how Wisdom Star is in terms of financial management.

It accrues interest on the money that the customer deposits each year into the policy account. At present, most of the products on the market are in this way, and customers can get a part of the amount every year, which is quite good.

However, fees are deducted every time you deposit. The first five years are %, respectively, and from the 6th year, 5% is deducted each year.

At the same time, there is a lot of uncertainty about the guaranteed interest without a cap.

Let's talk about his guarantees.

The basic benefit of the death benefit is 100,000 yuan plus the policy account value, and the specific policy account value depends on the insurance contract you purchased. The most important critical illness benefit for health protection is only 80,000 yuan of the sum insured, and what is even more incredible is that the sum insured of critical illness insurance and the sum insured of death are the same, which means that after I make a claim for critical illness, the basic sum insured of the main insurance is only 20,000 yuan.

In short, it is not recommended that you buy Ping An's Wisdom Star, which is not cost-effective. If you mainly want to buy insurance for your children, it is best to buy all the health insurance such as critical illness insurance before buying financial insurance. Here are some children's critical illness insurance products, which are relatively cost-effective, and you can refer to them if you need them:

"Great value! Top 10 Critical Illness Insurance for Kids Worth Buying

That's all I have for the issue, I hope it will be useful to you!

The content of Ping An Wisdom Star is as follows:

1.Death Benefit: 100% of the sum assured and the policy account value will be paid;

2.Critical illness insurance can be attached, 30 kinds of serious illnesses can be insured, the insurance amount is 80,000 yuan, and the insurance amount is shared with the death insurance;

3.Medical insurance can be added, with a maximum sum insured of 20,000 yuan and a deductible of 100, which can reimburse the insured for the reasonable and necessary medical expenses due to the accident.

Ping An Wisdom Star is only available for people aged 0-17 years old, and can be insured for life, which is a universal insurance, which can increase interest through compound interest on the policy account value, and the interest rate of Bao Cong Mountain Barrier is.

Hello, the main features of Wisdom Star Insurance are education reserves, flexible collection, and multiple protections. Wisdom Star Insurance Plan is supplemented with "Ping An Supplementary Wisdom Star Advance Payment Critical Illness Insurance" and "Ping An Supplementary Worry-Free Accident Medical Insurance". It can allow children to have comprehensive and adequate protection, including critical illness, accident, and accidental medical treatment.

At the same time, Wisdom Star Insurance also includes a premium waiver function.

Wisdom Star Insurance has significant characteristics, which are mainly reflected in three aspects: education reserves, multiple protections and premium waiver. However, it should be noted that Ping An Wisdom Star Insurance is a universal insurance, and the income is uncertain.

You can choose according to the specific needs of your child, generally speaking: it is recommended to give priority to the medical and accident protection insurance to supplement, at the same time, if you want to invest and save in advance for the baby's future education, you can also supplement a children's education insurance on this basis.

You can refer to:

You can take a combination of a comprehensive children's insurance plan + a children's education fund to give your baby's future comprehensive care.

Hope it helps.

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

Wisdom Star is a children's universal insurance, and as a universal insurance, its settlement interest rate is fluctuating, resulting in uncertain future benefits. In fact, the attribute of Wisdom Star Universal Insurance itself is still whole life insurance, and whole life insurance and education** are completely different things.

Education insurance should be paid in a fixed amount for the child's college education, and the design of the Ping An universal insurance account itself is: if the front-end receives it, the back-end benefits will be lost. If there is no official product manual and gold collar plan, there is a certain cognitive risk, and the person has not fulfilled the due explanation obligation.

The dowry pension is not the main function of the wisdom star, and the sub-category description is completely the personal behavior of the ** person, and does not have the function of any official explanation.

Ping An Wisdom Star emphasizes the importance of learning and education. However, the purchase of Ping An Wisdom Star for children cannot be separated from planning, and children's planning can be divided into three parts: education, health, and security.

Education is the most important part, including general learning, special interests, dealing with people, self-confidence and integrity and other physical health is a more important part, but also the basis for children to continue to learn and progress, in addition to diet, parents should also consider their children to carry out appropriate physical exercise, strong body, exercise in the process can not only establish a good family relationship, but also cultivate children's emotional intelligence. The financial management function can only be used as an auxiliary function, in addition to protecting against some risks, it can also be used as a savings for insurance.

Critical illness insurance has a wide range of protection, and critical illness alone can make people look dizzy, some cover 110 kinds, and some cover 100 kinds, making it difficult to chooseA comparison table of 136 popular critical illness insurances in China

The 45 major illnesses covered by Ping An Smart Star can be seen in the figure below

There are 45 types of diseases that can be covered by Zhiduoxing, and the basic sum assured of critical illness insurance is only paid once, and there is no additional compensation, and this insurance has been discontinued, if you want to transfer the risk of critical illness, it is better to buy a pure critical illness insurance for more complete protection. The list of high-quality critical illness insurance on the market is ready, welcome to check it out:Top 10 Popular Critical Illness Insurance Points Worth Buying!

Next, we will focus on recommending a high-quality critical illness insurance Super Mario 3 MAX.

As you can see from the figure, the coverage of Super Mario 3 MAX is very comprehensive, covering critical illness, moderate disease, and mild disease, as well as additional cancer, cardiovascular and cerebrovascular secondary compensation, etc.

If you are looking for cost-effective, comprehensive protection, and a high proportion of initial claims, Super Mario No. 3 MAX is very worth starting, whether it is a critical illness, a mild illness, or a moderate illness, you can pay additional compensation, buy 500,000 sum insured, and a maximum of 900,000 for critical illness! The optional secondary compensation ratio for malignant tumors and specific cardiovascular and cerebrovascular diseases has also been doubled, which shows that the sum insured is very sufficient.

Behind the high guarantee of Super Mario 3, there is such a flaw.

1 Malignant tumor 2 Erodive molar pregnancy (also known as malignant molar pregnancy) 3 Acute myocardial infarction 4 Severe primary pulmonary hypertension 5 Heart valve surgery 6 Severe primary cardiomyopathy 7 Sequelae of stroke.

8 Coronary artery bypass grafting (or coronary artery bypass grafting)9 Aortic surgery 10 Severe infective endocarditis 11 Severe aplastic anemia 12 Major organ transplantation or hematopoietic stem cell transplantation.

13. Deafness in both ears 20-400,000 yuan.

14 Chronic liver failure decompensation: 3-70,000 yuan, 15 Blindness, 8-200,000 yuan.

16 Systemic lupus erythematosus complicated by renal impairment Non-dialysis: 5-80,000 yuan, Dialysis: 10-240,000 yuan.

17. Loss of language ability: 8-150,000 yuan.

18 Acute or subacute severe hepatitis 4-50,000 yuan 19 Severe ulcerative colitis 5-150,000 yuan.

20 End-stage renal disease (or chronic renal failure uremia stage) 100,000 yuan Year21 End-stage lung disease 10-500,000 yuan.

22 Pancreas transplant 10-500,000 yuan.

23 Laparotomy for acute necrotizing pancreatitis: 5-500,000 yuan, 24 Severe renal medullary cystic disease: 10-500,000 yuan.

25 Severe Wilson's disease (Wilson disease) 10-500,000 yuan26 Severe autoimmune hepatitis 5-500,000 yuan.

27 Severe diffuse systemic scleroderma 10-500,000 yuan28 Benign brain tumor 5-250,000 yuan.

29 Sequelae of encephalitis or meningitis 30,000-50,000 yuan per year30 Deep coma 8-120,000 per year.

31 Severe Alzheimer's disease 5-200,000 yuan.

32 paralysis 5-200,000 yuan per year.

33 Severe multiple sclerosis 4-100,000 yuan per year.

34 Severe Parkinson's disease 5-200,000 yuan.

35 Severe motor neuron disease 6-150,000 yuan per year.

36 Severe brain injury 4-200,000 yuan.

37 Severe dementia not caused by Alzheimer's disease 10-200,000 yuan38 Vegetative state 10-200,000 yuan per year.

More than 39 limbs are missing 10-400,000 yuan.

40 Severe type 1 diabetes 4-120,000 yuan.

41 Severe burns 8-200,000 yuan.

42 Severe rheumatoid arthritis 10-500,000 yuan.

43 Elephantiasis 5-200,000 yuan per year.

44 HIV infection caused by blood transfusion 5-500,000 yuan45 Severe muscular dystrophy 5-200,000 yuan per year.

If you don't have a pre-existing illness, most of them are fine.

Let me explain to you the universal insurance.

There is a concept of personal account value in universal insurance, and this personal account value can be withdrawn by the customer at any time. However, if you don't take it out, the value of your personal account will only accumulate interest in the form of daily interest and monthly compound interest, and each company will inform you of this interest rate on the official ** every month (don't care too much about how good the compound interest is, **The announced interest rate is annualized compound interest).

Another concept is the initial cost and other expenses.

Not all your money can be credited to your personal account, and the initial fee will be deducted at the time of each payment, and the remaining amount will be credited to your personal account.

The product you are asking about should be charged like this:

50% will be deducted for the first payment of 5000, and 5% will be deducted for more than 5000

25% will be deducted for the second payment of 5000, and 5% will be deducted for more than 5000

15% will be deducted for the third payment of 5000, and 5% will be deducted for more than 5000

10% will be deducted for the first payment of 5000, and 5% will be deducted for more than 5000

5% will be deducted for the 6th payment of the above fee of 5000, and 5% will be deducted for the above 5000 payment

In addition to the initial cost there are:

1.The policy administration fee, which is fixed, is generally around 60 a year.

2.Risk management expenses, the general universal insurance accident insurance amount is about 120,000, and this protection needs to deduct the risk management fee every month. If there is a critical illness or other liability, there is an additional deduction.

3.Some of the payment fees, some universal insurance plans set a limit on the number of times they can receive in a year, after which they will be charged for each subsequent claim.

If you add critical illness and other liabilities, you will also be deducted from the corresponding expenses each year (which increases with age).

In addition, the calculation of Ping An on the plan should be low-grade, mid-range, and high-end 6%.

Ping An has actually been around the interest rate of the universal account for nearly a year.

If it is protection, it is recommended to buy a protection product separately, and if you are pursuing income, please go to the bank to do capital protection and financial management, which is better than this income.

It's really good for the child, you don't need to save the education fund for the child's insurance, buy some protection products for the child, and then buy at least 300,000 regular life for yourself (the consumption is very cheap, less than 1,000 per year for about 30 years old for 20 years). Why? Go and search for the ** of Paris Mortgage Life Insurance in France and see what insurance is.

Seek satisfaction.