Is it better to buy Ping An or Taikang for critical illness insurance?

There are many types of critical illness insurance, and there are countless products. I'll first sort out the cheapest and cost-effective critical illness insurance on the market that I stayed up late last night, and I need to pick it up:Top 10 most cost-effective critical illness insurance points!

As for what company to buy for critical illness insurance? In the "traditional sense" of the large companies we are familiar with, Ping An and Taikang are among the best, and large companies are naturally good at large companies, but the size of the company and the quality of the products are two different things, and in the final analysis, the core of buying insurance depends on how the product is.

How to buy critical illness insurance, you have to choose like this:

1. Term selection: lifelong fixed-term

It is well known that the probability of developing a critical illness increases with age.

Therefore, in order to avoid the policy lapse when the elderly suffer from critical illness, it is preferential to purchase lifelong consumption-based critical illness insurance.

2. Single payout vs multiple payout

The biggest advantage of consumer products is that they spend less money and obtain high leverage, but the premium cannot be returned.

Why choose consumer-based critical illness insurance? If you don't go out of business, the premium will not be paid in vain!

The advantage of return-based insurance is that after the expiration of the policy, if there is no insurance, you can get a certain percentage of the sum insured or premium refunded, which is equivalent to "forced savings". However, the premium of returnable critical illness insurance is more expensive, and it requires a fixed payment for a certain number of years, and the loss of surrender is large. Therefore, return-based critical illness insurance requires the policyholder to have the corresponding financial capacity and not to interrupt the insurance.

3. Death option

Critical illness insurance with death is cheaper than critical illness insurance without death. If you have a lot of family responsibilities and a mediocre budget, it is recommended to choose to include death.

The above is my many years of experience in buying insurance, I hope it can help you.

All good. However, you have to look at the terms of critical illness insurance, the sum insured of critical illness insurance is generally relatively high, but you must meet the conditions of the illness in the contract to make a claim (this condition is still quite difficult to achieve). In addition, when buying, you must truthfully inform your health status (if you are examined by the hospital, you need to inform it).

Many insurance companies have critical illness insurance, and there are many types of critical illness insurance within the same insurance company. Different insurance companies and different types of critical illness insurance have different purchase requirements, coverage, **, etc., so you can choose the right critical illness insurance product based on a variety of factors such as your age, health condition, financial income, and future plans. It is recommended that you find a professional insurance ** to do a professional demand analysis for you before purchasing critical illness insurance, put forward a scientific and reasonable plan according to your actual situation, and then constantly change the plan according to your own ideas, and have achieved the most satisfactory results.

Please check with your insurance company for details. If it is Ping An Life, you can contact 95511-1 for consultation.

Insurance Evaluation: Which Critical Illness Insurance is Better Ping An or Taikang Life Insurance?

When it comes to the question of which critical illness insurance product is better and how to choose, the answer is opinionated. For different consumer groups, the critical illness protection products they tend to choose are also different.

Under the new regulations, we have evaluated more than 1,000 critical illness insurance products and selected the best 10 critical illness insurance products on the market. New Definition of Critical Illness Rankings Announced! The first place turned out to be it!

Insurance Evaluation: Which Critical Illness Insurance is Better Ping An or Taikang Life Insurance?

Each company's insurance products are similar, and the characteristics of the product are reflected in the subtleties, mainly depending on whether the product is suitable for your needs. It is usually advisable to insure a company that is larger and has been in operation for a longer period of time.

Q: What about medical insurance?

Ask about accident insurance.

Buy Taikang's.

Medical insurance is a relative deductible, which is more suitable for customers.

It is advisable to take out insurance for companies that are larger and have been in operation for a longer period of time. Private messages.

Hello! In recent years, the incidence of major diseases has been increasing, which has attracted the attention of the masses. In order to better protect their health, more and more people are beginning to pay attention to critical illness insurance, and you can also use this insurance to avoid risks for yourself.

First, the basic situation of the two companies

1. Ping An InsuranceIt is the first joint-stock insurance company in China, with a registered capital of 100 million yuan, ranking second in premium income in 2019, and the advertisement is also very loud "Buying insurance is buying 'Ping'", which is a veritable local tyrant company.

2. Taikang InsuranceEstablished in August 1996, the company is headquartered in Beijing; In August 2016, Taikang Life Insurance was in"2016 China's Top 500 Enterprises"ranked 114th in the market. In 2018 and 2019, it ranked among the world's top 500 companies, and Taikang's solvency strength in 2019 should not be underestimatedTaikang Life Insurance, how is it, what products are there, which one is good, what are the pitfalls and routines, in-depth analysis

2. List of insurance products of the two companies

In fact, mainland insurance companies are strictly supervised by the new insurance regulatory commission, and they are all reliable and credible, and the competition between companies depends largely on the product, let's take a look at the product lines of the two companies

In fact, the insurance product lines of these two insurance companies are quite wide, and the coverage of life insurance and property insurance product lines is quite wide.

To sum up, both companies are good, I suggest that buying insurance does not have to compare the company too much, or from their own needs and pre-slip calculation, the choice of Hexin Liang Jianshi own products is the most important.

A lot of business personnel of Ping An Insurance are **, sanctimonious, the deposit is said to be refunded to you, the result of the book is not refundable, Nian Hehong asked for a refund many times, the introducer (the manager of the Great Wall Building in Putuo District, Shanghai is called Chu Yong) resolutely does not give the formalities, various reasons to shirk, there are communication recordings. Its despicable behavior is as follows: 1, inform you to recruit a variety of financial planners, loan managers, financial experts, etc., the salary is generous, as little as 10,000 or 20,000, as much as 50,000 or 60,000 monthly salary, first get you over 2, pay a deposit of 500 first, said that it will be refunded 3, start a period of one to three months of training, during which there is basically no income or very little, said to be the cultivation of talents, in fact, it is a variety of safe products to preach 4, in fact, it is to do insurance sales 5, when you leave the resignation and return the deposit, all kinds of reasons do not give you the formalities, do not return the deposit, Many people have left their jobs for a year and haven't gotten the deposit, so they basically won't ask for it anymore, and they can't afford to spend their energy.