Male, 30 years old, Ping An Fu Insurance Plan

Xueba talks about insurance, focusing on insurance evaluation! What kind of critical illness insurance should a 30-year-old person buy? How do you know if you don't compare it?

A 30-year-old person is usually the backbone of the family, bearing the living expenses of the whole family, in addition to paying off the car loan and housing loan, and the pressure of work is not small, and the arrival of any risk may make a family crumbling, so for people of this age, it is imperative to buy insurance to share the pressure.

So what kind of insurance is better for people of this age? In general, you can configure the following:Critical illness insurance + medical insurance + accident insurance + term life insurance

1.Critical illness insurance

Nowadays, critical illness is no longer exclusive to the elderly, and the risk of serious illness for 30-year-olds is also getting higher and higher. The time spent on a general serious illness is also relatively long, and it is also necessary to take into account the later expenses and lost work expenses. This shows how important it is to allocate critical illness insurance.

Top 10 Critical Illness Insurance Points Worth Buying in 2020! 》

2.Medical insurance

It is not enough for people of this age to only buy critical illness insurance, and there are also minor illnesses and disasters that may occur at any time in life that need to be paid attention to. Buying a million-dollar medical insurance can leverage millions of dollars a year for only a few hundred yuan a year to solve the part that cannot be reimbursed by medical insurance. How to buy a better million medical insurance for less?

Here's a list of interested ones:Freshly baked! Millions of medical insurance points suitable for 30-year-olds

3.Accident insurance

We can never be surprised when it will come, and while this is a phrase that is about to be said to be rotten, it does make sense. Accident insurance is a type of insurance that everyone should buy, not to mention that accident insurance is very cheap. People at this age do not allow themselves to make any mistakes, and once an accident occurs, the responsibility of raising the family cannot continue.

Therefore, it is very important to have an accident insurance policy.

4.Term life insurance

At this age, you have to support the elderly, raise a baby, and the mortgage and car loan are under pressure, in addition to health protection, it is also necessary to consider death protection. In the unfortunate event of death, it will be a heavy blow to both parents and wife and children, and life insurance can partially assume your responsibility for taking care of your family, leaving a minimum of financial compensation to protect your family's life. Hope!

As the flagship product of Ping An, many people are indeed asking about it at any time. Indeed, Ping An Fu, which is backed by a big brand, has become the first choice for many insurance novices to purchase protection.

However, is this product from Ping An Insurance really worth buying?

Compared with other critical illness insurance, Ping An Fu does lack bright spots and is not cost-effective.

Let's first take a look at the comparison between Ping An Fu and other critical illness insurance:Top 10 Popular Critical Illness Insurance Points Worth Buying!

About the content of the upgraded protection of Ping An Fu:

From the picture above, you can see the advantages of peace and well:

1.Critical illness and death benefit increase after mild illness: For every 1 mild illness before the age of 70, the critical illness sum insured will be increased by 20%, up to a maximum of 3 times.

2.The sum insured increases after the exercise is met: Ping An Fu divides different proportions of increasing the sum insured according to two different exercise standards.

Although the increase is slightly inferior to the additional payouts of other productsHowever, the way in which Ping An Fu encourages you to be active is commendable.

Cons:1.**Expensive

The above figure is 500,000 yuan for a 30-year-old man, and it will be paid for 30 yearsExamples of no other benefits attachedThe annual premium goes to 12,050 yuan, which is a cut higher than that of similar products, and the protection is not as good as that of similar products.

Top 10 Cheap and Good Price Critical Illness Insurance** Points!

2.The payout ratio for mild illnesses is low

Mild illness protection is an extremely important part of critical illness insuranceCompared with other critical illness insurance, which pays between 30% and 40% for minor illnesses, Ping An Fu's mild illness protection is still relatively weak.

3.Cancer is paid multiple times

Multiple claims for cancer have developed more and more maturely, and the interval of 3 years is also a more accepted model. However, Ping An Fu 20's cancer multiple claims are still 5 years apartAnd if the first critical illness is not cancer, you will not be able to receive multiple cancer benefits in the future.

No matter from the perspective of ** or guarantee sincerity, Ping An Fu 20 needs to be improved, so I really don't recommend buying such a product.

A few simple points:

The sum insured is relatively conservative, and it is recommended to have at least 200,000 critical illness insurance to be practical;

Whether or not an exemption is attached is debatable;

The additional medical insurance can be replaced by Ping An e-life insurance separately;

At this age, in addition to Ping An Fu, there are also products such as Xinsheng and Anxinbao, which can be planned for purchase.

"Ping An Fu Health Insurance Plan" is designed for middle- and high-income customers, covering multiple liabilities such as critical illness, traffic accident, death, disability, premium waiver, etc., bringing customers all-round risk protection. The new product is cost-effective, and customers can get a higher sum insured with the same investment, which is the best choice for life insurance protection.

Happy life, safe guard.

1. The amount of critical illness insurance is high, and the critical illness benefit will be paid immediately after diagnosis.

Critical illness not only incurs high medical costs, but also causes business interruption due to a long period of time, affecting the economy. Ping An Fu Plan pays 100% of the basic sum insured upon diagnosis of critical illness, which can easily solve the critical illness benefit agreed in the contract for you and compensate for the loss of income.

2. The self-driving accident protection is doubled, and the protection period is longer.

According to the characteristics of middle-class self-driving travel, Ping An Fu Plan tailors the insurance liability, providing double the insured amount for accidental injuries while driving or riding in a non-operating private car or taking public transportation, covering all aspects of protection. What's more humane is to extend the accident insurance liability to the age of 70, so that customers can enjoy protection for a longer time.

3. Expand the scope of accidental disability protection to 281 items, providing more comprehensive care.

For exclusive customers, the Ping An Fu Plan has expanded the assessment criteria for accidental disability from 34 to 281 for the first time, providing multi-level and multi-faceted protection to make care more comprehensive.

4. Stable guarantee for life, determine the benefits and resist risks.

Ping An Welfare Plan provides you with lifelong primary insurance and critical illness protection, and fights against uncertain risks with certain insurance benefits, so as to provide long-term stability and care for this life.

5. Exemption protection shows care, peace of mind and worry-free future.

Ping An Fu Plan also provides the policyholder with a premium waiver: when the policyholder dies or has a disability or critical illness agreed in the contract after the waiting period, the policyholder can be exempted from paying the remaining premiums during the waiver insurance period, ensuring that the contract is valid and the love and responsibility continue for a long time.

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

Please find your own ** person, communicate face-to-face, and plan insurance according to your needs.

1.The range of choices is relatively wide for the appropriate age of purchase.

2.The premium should be 10%-15% of the annual 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 cannot be reimbursed repeatedly, keep in mind the reputation.

6.At the same time, pay attention to the protection of family members, protect the people around you as much as possible, and achieve comprehensive protection for the family, otherwise the protection will be unbalanced, and the meaning of the repentance of the Baoxiang book 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.

If the male problem is not solved, it will cause many years of rock file problems. I was like this before, suggesting that the random discussion ferry (Wu Yubin's true self-report) borrow the methods inside, and you will be fine.