Can you get money for Ping An Wisdom Star Children s Universal Insurance for three years?

Xueba said insurance, only recommend the most suitable child insurance! This year, the comparison table of 136 best-selling children's critical illness insurance has been updated

You can click on it to take a look, I hope it will help you.

How to buy insurance for your child

I don't know how many parents who want to give their babies comprehensive protection are stumped by this question, today let's take a look at how to buy insurance for their children! Keep these three points in mind:

First, take care of the medical insurance first!

Newborn medical insurance can be handled immediately after the child is registered, whether it is a major illness or a minor illness, the basic medical insurance is particularly important, so this must be handled for the child.

Second, after the medical insurance is handled, you can consider configuring commercial insurance for your child, giving priority to critical illness insurance + medical insurance + accident insurance.

First of all, critical illness insurance, which provides a relatively long period of protection. In addition, critical illness insurance can directly pay a large amount of cash after getting sick, in addition to solving the best expenses, it can also solve many follow-up hidden problems, such as children who delay their studies due to illness, and even some subsequent life losses, which require a lot of cash to make up for it. Buying a pure protection critical illness insurance can just solve these problems in the future.

Let's talk about medical insurance, which can be used to reimburse the medical expenses of children's usual medical treatment, for example, with a 0 deductible hospitalization medical insurance, as long as one or two hundred yuan per year, you can buy an insurance amount of 10,000 yuan, which is very cost-effective.

Finally, it is necessary to configure an accident insurance, the children's accident insurance is very cheap, and the insurance amount of 200,000 yuan is only sixty or seventy yuan per year, which can protect the child's disability, death and medical liability caused by accidents, which is very cost-effective.

Third, what insurance should not be bought for children?

Don't assign life insurance to your child, and try not to attach both liabilities to critical illness insurance. I know the specific reasons in this articleHow to buy child insurance without being cheated? You'll know when you see it!

There has been a detailed introduction in , so I won't go into too much detail here.

According to the above insurance ideas, if you configure regular protection for your child, you can get it for about 1,000 yuan per year, and if you buy lifelong protection, it will only be two or three thousand per year, which is not expensive and very useful.

That's all for me"Can you get money for Ping An Wisdom Star Children's Universal Insurance for three years?"All of them, I hope it helps you! Hope!

Upstairs, not rigorous, with a certain misleading.

Wisdom Star Children's Universal Policy, which can be partially claimed, but it is best to continue to pay for 10 years;

Read the policy contract carefully, which contains a description of the rules regarding partial claims;

Consult your own ** person in detail and ask about the conditions and restrictions of receiving;

Or call 95511 for verification.

Universal insurance can be paid at any time, regardless of the time. It is also possible to pay without paying.

Summary. Dear, the answer to this question is:

The main insurance of Ping An Wisdom Star Universal Insurance is life insurance, which only covers the death of the insured, and the insured will lose money if he unfortunately dies. Universal life insurance pays 100% of the sum insured ($100,000) + policy account value.

If you choose to withdraw in the 10th year, then the policy is surrendered in the 10th year, and the premium will be refunded according to the cash value table of the 10th year, and the cash value table of the 10th year is 120% of your total premium, for example, if you pay a premium of 100,000 yuan, you can get 120,000 yuan in the 10th year.

And dear, if you still have any questions that you don't understand, you can always ask me questions!

How much does Ping An Wisdom Star Universal Insurance receive after ten years.

Dear, the answer to this question is: the main insurance of Ping An Wisdom Star Universal Insurance is life insurance, which only covers death, and the insured will lose money if he dies unfortunately. Universal life insurance pays 100% of the coverage amount (100,000) + policy account value.

If you choose to withdraw it in the 10th year, then the 10th year is surrendered, and the premium will be refunded according to the cash value table of the 10th year, and the cash value table of the 10th year is 120% of your total premium, for example, if you pay a premium of 100,000 yuan, you can get 120,000 yuan in the 10th year. And dear, if you still have any questions that you don't understand, you can always ask me questions!

I bought 5,000 for 10 years, and now I have paid for 6 years, and I will pay for 7 years soon, if I return the insurance, how much can I refund?

This is according to the 6th year cash value table, you will be refunded the premium, only 80% will be returned, and you can get a refund of about 24,000.

If I continue to pay for 10 years, how long will it take to get the principal back?

Yes, if your cash** statement exceeds your premium after 10 years, you will get 100% of the premium back.

Ask about custom messages].

Summary. Dear, hello, Ping An Wisdom Star Universal Insurance can receive a little more than 60,000 yuan after ten years Ping An Wisdom Star pays for 10 years according to the expected universal interest rate, the ninth year pays back, the annual payment is 6,000, and the account value is a little more than 60,000 after 10 years.

Dear, hello to the renter, Ping An Wisdom Star Universal Insurance can receive a little more than 60,000 after ten years Ping An Wisdom Star pays off the cost in 10 years according to the expected universal interest rate, and the ninth year returns to the capital, and the annual disadvantage chain number calls for 6,000 yuan, and the account value is a little more than 60,000 for 10 years.

Ping An Wisdom Star Whole Life Insurance: The insurance age is 0 years old (referring to the baby who has been born at least 28 years old and has been discharged from the hospital in good health) to 17 years old, and the same policyholder can only apply for one insurance for the same insured; The basic sum insured is 8-100,000 yuan (can only be sold to children with a risk insurance amount less than or equal to 20,000 yuan). The insurance period is 5000 and below, and the payment is 10 years; If you pay more than 5,000 yuan, you need to pay 50,000 hectares, otherwise you will be given a two-year deferred payment period, and if you still haven't paid the fee after the expiration of the deferred payment period, the policy will become invalid. Payment methodAnnual payment methodPayment methodPayment method:

The deadline shall not be less than 4,000 yuan; The period payment of 7,000 yuan (inclusive) or more can be added. During the insurance period, if the insured dies with the whole life insurance liability, we will pay the "death benefit" according to the insured amount at the time of death, and the main insurance contract will be terminated. The death benefit paid includes the value of the policy at the time of death.

Additional functions add premiums, deferred payment of the guarantee fee, and partial collection.

Fixed-term payment of 5000 and below, minimum payment of 10 years; If the payment is more than 5,000, you need to pay 50,000 yuan, otherwise you will be given a two-year deferred payment period, and if the premium is not paid after the expiration of the deferred payment period, the policy will become invalid.

The same policyholder can only apply for one insurance for the same insured; The basic sum insured is 8-100,000 yuan (can only be sold to children with a risk insurance amount less than or equal to 20,000 yuan). The age of application must be 0 years old (refers to a baby who has been born for 28 days and has been discharged from the hospital in good health) to 17 years old.

Payment method: the period payment shall not be less than 4,000 yuan; The period payment of 7,000 yuan (inclusive) or more can be added.

Period of Insurance: Lifetime.

Insurance liability: In the event of the death of the insured, we will pay the "death insurance benefit" according to the insured amount at the time of death, and the main insurance contract will be terminated. The death benefit paid includes the account value of the policy at the time of death.

Xueba says insurance, only recommend insurance that is really useful for children! This year, the comparison table of 136 hot-selling critical illness insurance for children aged 0-18 has been updated

You can click on it to see how it will help you choose your child's insurance.

What insurance should I buy for my child?

This problem has discouraged countless mothers and fathers who want to buy insurance for their babies, and then we will sort out the methods and ideas for buying insurance for their children! Keep these three points in mind:

First, medical insurance is essential, especially for children!

Newborn medical insurance (urban and rural residents' medical insurance) is the national basic insurance, the child should be born immediately handled, whether serious or minor illness, the basic medical insurance is particularly important, this is the basic security benefits given by the state, must be handled well.

Second, after buying medical insurance, you can fully configure critical illness insurance + medical insurance + accident insurance in commercial insurance.

Let's start with critical illness insurance, which provides coverage for as long as possible. Secondly, critical illness insurance is paid directly in cash after getting sick, in addition to solving the problem of medical expenses, it can also solve many hidden problems in the follow-up, such as because of illness, missing homework, or some irreparable losses in subsequent life, all need money, after all, as the saying goes, money is not everything, but no money is absolutely impossible. Buying a pure protection critical illness insurance can solve these problems.

Let's talk about why we should configure medical insurance, which can be used to reimburse the medical expenses of children's usual medical treatment, for example, with a 0 deductible hospitalization medical insurance, the sum insured of 10,000 yuan, and the annual premium is one or two hundred yuan, which is cheap and useful.

Finally, it is necessary to configure an accident insurance, children's accident insurance is very cheap, and the insurance amount of 200,000 yuan is only sixty or seventy yuan per year. Accidental death, disability and accidental medical liability of the child can be covered, and the cost performance is quite high.

Third, what insurance should not be bought for children?

Don't buy life insurance for your children, and try not to attach both-both-to critical illness insurance. I know the specific reasons in this articleHow to buy the most cost-effective child insurance? The most complete insurance strategy!

has been introduced in detail, because there is already a detailed analysis in the manuscript, so I won't spend too much space here.

According to the above insurance ideas, if you are configuring regular insurance for your child, you can configure it comprehensively for about 1,000 yuan per year, and if you buy lifelong protection, it is only two or three thousand per year, which is very practical.

That's all for me"How many years does Ping An Wisdom Star Children's Universal Insurance be paid? "All of them, I hope it helps you! Hope!

Normal is 10 years. Or pay the minimum amount agreed in the contract.

It is clearly stipulated in the contract.

Summary. Dear, hello, Ping An Wisdom Star Exchange 10 years according to the expected universal interest rate, the ninth year of the return to principal, the annual payment of 6000, the 10-year account value of a little more than 60,000.

Ping An Wisdom Star is Ping An's early children's education insurance, which is a universal insurance that can guarantee education and can also exempt the clause is more humane.

When the policyholder dies or becomes seriously ill, the subsequent premiums will be waived, and the annual premiums will be paid by the insurance company, and the children can receive money to complete their college studies.

The higher the premium, the more beneficial the waiver of rights, if the children's universal critical illness benefit occurs, the loss of money will not only not affect the policy rights, but also pay the subsequent premiums.

How much does Ping An Wisdom Star Universal Insurance receive after ten years.

Dear, hello, Ping An Wisdom Star Exchange 10 years according to the expected universal interest rate, the ninth year of the return to principal, the annual payment of 6000, the 10-year account value of a little more than 60,000. Ping An Wisdom Star is Ping An's early education insurance, which is a universal insurance that can guarantee education and exempt the clause is more humane. When the policyholder dies or becomes seriously ill, the subsequent premiums will be waived, and the annual premiums will be paid by the insurance company, and the children can receive money to complete their college studies.

The higher the premium, the more beneficial the waiver of rights, if the children's universal critical illness compensation is paid, the loss of money will not only not affect the policy rights, but also pay the subsequent premiums.

I paid it for 5 years, I don't want to pay it, how much money can I get back.

Dear, how much is your annual premium?

Summary. Hello, it's not cost-effective, the protection fee of this product will be deducted all the time, and the protection fee deducted will increase with age, once the universal account fee is deducted, the policy will lapse, that is, the protection <> will be lost

Is it cost-effective to pay 5,000 per year for 15 years for Ping An Insurance Children's Wisdom Star?

Hello, it's not cost-effective, the protection fee of this product will be deducted all the time, and the protection fee deducted will increase with age, once the universal account fee is deducted, the policy will lapse, that is, the protection <> will be lost

It is recommended to buy both insurance or whole life critical illness insurance, which is guaranteed for life after the expiration period, of course, the wisdom star you buy is not recommended to surrender the policy halfway, and the loss of surrender is too great <>

Ask about custom messages].

Summary. A 30-year-old male Xiao A, bought Ping An Zhiyue Life, with an annual payment of 6,000 yuan, an insurance amount of 200,000 yuan, and a critical illness of 190,000 yuan. 1. Mr. A is 40 years old

You can receive 59,445 yuan and pay 60,000 yuan. 2. Mr. A is 50 years old: he can receive 157997 yuan and pay 120,000 yuan.

Example 2: Mr. A, a 30-year-old man, bought Ping An Smart Star for his son Xiaoshuai 0 years old, with an annual payment of 6,412 yuan, an insurance amount of 200,000 yuan, and a critical illness of 190,000 yuan, paid for 20 years

The account value is 21,992 yuan; 2. When Xiaoshuai is 16 years old: the account value is 63,161 yuan; 3. When Xiaoshuai is 25 years old: the account value is 10,000 yuan;

How much does Ping An Wisdom Star Universal Insurance receive after ten years. Pay 6,000 per year.

A 30-year-old male Xiao A, bought Ping An Zhiyue Life, with an annual payment of 6,000 yuan, an insurance amount of 200,000 yuan, and a critical illness of 190,000 yuan. 1. Mr. A is 40 years old: he can receive 59,445 yuan and pay 60,000 yuan.

2. Mr. A is 50 years old: he can receive 157997 yuan and pay 120,000 yuan. Example 2:

Mr. A, a 30-year-old male, Shiji bought Ping An Smart Star for his son Xiaoshuai 0 years old, with an annual payment of 6,412 yuan, an insurance amount of 200,000 yuan, and a critical illness of 190,000 yuan, paid for 20 years. 2. When Xiaoshuai is 16 years old:

The account value is 63,161 yuan; 3. When Xiaoshuai is 25 years old: the account value is 10,000 yuan;

Knowledge development: An insurance company is an economic organization that collects insurance premiums from policyholders according to the contract and bears the risk compensation responsibility of the policyholders after the accident, and has professional risk management technology. China's well-known Huiwei insurance companies have more than 200 formal institutions such as Ping An, Pacific, Sunshine, China Life, Dadi, Xinhua, Taikang, Renmin and Fude Life.

If you have any questions, you can ask questions at any time, and the answer is here to wish you a good day.