Which type of insurance is better, Ping An Fu or Talisman Blessing? What s the difference?

Hello! Hello! The range of insurance products and services launched by each insurance company is different, so it is recommended to consult with the insurance company.

Ping An Insurance's talisman is a kind of financial insurance, and the main insurance is a participating whole life insurance, with critical illness insurance, accident insurance and accidental medical insurance, but the protection of such insurance is often insufficient.

If you want to buy financial insurance, you can consider annuity insurance, the income will be higher than this, "2020 Popular Annuity Insurance Evaluation: There is Always One for You".

Talisman Welfare Accident Insurance for the Middle-aged and Elderly is an accident insurance product launched by Ping An Pension for the middle-aged and elderly. Deep Blue Jun came firstA comprehensive review of this product:However, there is no health notice for general accident insurance, and this product can only be insured if it meets the health notice requirements, although the accident medical insurance amount is sufficient, but only 90% of the reimbursement is made.

The specific coverage is as follows:

Accidental Death and Dismemberment:The death benefit is 50,000 yuan, and the maximum disability sum insured is 200,000 yuan, and 10%-100% of the basic sum insured will be paid according to different disability levels.

Accidental Medical:The maximum insurance amount is 50,000 yuan, unlimited social security, 100 yuan deductible, 90% reimbursement.

Hospitalization Allowance:Up to 100 yuan per day, up to 90 days for a single claim, and up to 180 days for an annual claim.

Accidental Fracture Allowance:The maximum payout is $10,000.

Highlights:

1. Wide range of insurance age:You can apply for insurance between the ages of 45 and 80.

2. High amount of accidental medical insuranceThe maximum amount of insurance for the premium version is 20,000, and the maximum amount of insurance for the premium version is 50,000, and the reimbursement is not limited to social security.

Deficiencies:

1. The reimbursement ratio is slightly lowerAccidental medical treatment is deductible of 100 yuan, and only 90% is reimbursed, which is low in practicability.

2. Health notification is requiredMost accident insurance does not require health notice, but this one needs to meet the health requirements to be insured, and if you ask about hospitalization in the past year, secondary hypertension, diabetes, etc., you cannot apply for insurance if you do not meet the requirements.

3. The scope of occupation is not wideOnly categories 1-4 occupations are covered, and high-risk occupations such as aerial work, criminal police, and firefighters are not insured.

It is worth noting:This accident insurance requires health notice, and it can only be insured if it meets the requirements, and under normal circumstances, accident insurance does not require health notice. As long as you can live and live normally, most accident insurance can be purchased.

Therefore, if you are in good health and value the amount of medical insurance, you can consider this product, or you can match it with different types of accident insurance to make the amount of insurance higher. It is suitable for people who pursue high medical insurance amounts, and can be insured by people aged 45-80.

"Ping An Guardian Health Insurance Plan 2015" is a comprehensive protection product for critical illness and accident, providing protection for 45 critical illnesses and 8 specific minor and critical illnesses, with long-term protection for life, and a variety of payment terms to choose from. Coverage:

1. Critical illness insurance: If you suffer from a critical illness for the first time, you will be paid the critical illness insurance benefit according to the basic insurance amount.

2. Accidental death insurance: If you suffer an accident and die within 180 days from the date of the accident, the accidental death benefit will be paid according to the basic insurance amount (double compensation will be paid if you drive or take public transportation).

3. (General) Death Benefit: In case of death, the "Death Benefit" will be paid according to the insured amount

4. Accidental disability insurance: If the accident is caused by an accident and the disability is caused within 180 days from the date of the accident, the accidental disability compensation shall be paid according to the insurance amount agreed in the contract, up to the basic insurance amount (double compensation caused by driving or taking public transportation).

5. Accidental injury medical insurance: The medical expenses arising from accidental injuries during the payment period can be covered by the insurance coverage of accidental medical expenses (within the insurance amount agreed in the contract) every year (the deductible of 100 yuan and the balance after social security or other compensation).

6. Specific Mild Critical Illness Insurance: For the first occurrence of "Specified Mild Critical Illness", the "Specific Mild Critical Illness Insurance" will be paid at 20% of the basic insurance amount, and the payment of "Critical Illness" will not be affected.

Applicable terms: 1. Ping An Talisman Whole Life Insurance (dividend); 2. Ping An Additional Vital Illness Insurance (2015); 3. Ping An Additional Long-term Accident Insurance (2013) Clauses; 4. Ping An Additional Accident Injury Medical Insurance (a).

Of course, there is a difference between Ping An Fu and the amulet of Ping An Insurance of China, first of all, one has dividends, and the other is not dividend, the talisman of Ping An Insurance has dividends, but Ping An Fu is a rate-oriented product, that is to say, Ping An Fu will not produce dividends. Of course, since they are two different products, the ** of the two must be different, if it is in the case of the same amount of insurance, then the premium of the talisman is actually more expensive than that of Ping An Fu. Of course, although the premium of the talisman is expensive, the protection is more comprehensive, including personal protection, serious illness protection, and accident protection.

In fact, it is very important to choose different products for different types of customers, for example, some people like to buy that type of investment type of products, then at this time I recommend everyone to choose the amulet. Because the return speed of this product is slightly faster, from the perspective of investment, this is a very good product. But some people may pay more attention to ** when buying, or value for money, then at this time Ping An Fu is more advantageous.

In fact, there are many products of Ping An Insurance, and when we buy insurance products, we should choose according to individual needs. If you just say that a certain product is good or a certain product is bad, then I think it is unfair, because different people are suitable for different products. <>

All in all, I think these two products are quite good, strictly speaking, they belong to the same type of products, because they are both lifelong protection products. Of course, there will be some small differences, so we can make a suitable choice according to our own needs when purchasing. Before purchasing, we can learn about these two products in detail, and if you don't know much about it, you can let the staff of Ping An Insurance introduce it and buy it after you figure it out.

Personally, I think the difference between these two is that Ping An Fu has no dividends, suitable for any age group, and pays more money, which can bring better protection to these people, while the talisman has dividends, which is more suitable for people under 30 years old, and the money paid is less than that of Ping An Fu insurance, but the treasure is also very good.

The meaning is different, the protection items are different, there are also different insurance items, and there are also different dividends, Ping An Fu Insurance is a more traditional insurance method.

Ping An Fu and no dividends, talisman Fu has dividends, and the age group is not the same, relatively speaking, Ping An Fu will pay a little less, the content of the two is also different, and the welfare benefits are also different.

1. Whether there are dividends. Talisman Fu has dividends, while Ping An Fu is a rate-based product and has no dividends. 2. **High and low.

Therefore, with the same sum insured, the talisman will be more expensive than Ping An Fu, because there are personal protection, critical illness protection, accident protection (double compensation for death in the event of self-driving and public transportation) and accidental medical treatment (protection until the age of 70), which is more comprehensive. 3. Payback speed. Customers who like to invest in the purchase of talisman blessings, we often say that the return to the capital, the talisman can return to the capital slightly faster than the peace blessing.

Ping An Fu ** is relatively low, which is a kind of protection insurance. There are dividends for talisman blessings, but ** is relatively high, and you can get some dividends at a certain age.

There are several differences between the peace blessing and the peace talisman blessing:

1. Ping An Fu is a traditional insurance, which is a pure protection insurance, and Ping An Talisman Fu Heng Brother Kuan is a protection + dividend insurance.

That is, to provide protection, but also to provide dividends (returned once a year);

2. In the case of the same premium, Ping An Fu has a high sum insured at the beginning.

The initial sum insured of Ping An Talisman is about 20% lower than that of Ping An Fu, and then with the increase of time, the sum insured will slowly increase, and the sum insured of Ping An Fu will exceed the sum insured of Ping An Fu after about 30 years.

3. Ping An Fu additional critical illness insurance.

It provides 100 types of critical illness benefits and 50 types of minor illness benefits, while the additional critical illness insurance of Ping An Guardian only provides 30 types of critical illness benefits (28 types for men) and 8 types of minor illness benefits.

4. Ping An Fu is on sale, and the policyholder can buy Ping An Fu normally. The sale of Ping An Talisman has been discontinued, and policyholders can no longer purchase Ping An Talisman.

The insurance responsibilities of Talisman Fu and Ping An Fu are basically the same, the difference is that one dividends and one does not pay dividends, and the gap in premiums is also relatively large.

Talisman is an American-style dividend, that is, what we call a cash dividend, every year according to the insurance company's dividends to give customers a certain cash dividend (dividends are uncertain), this cash dividend can be received or not, and will be placed in the insurance company to accumulate interest if not received.

Ping An Fu does not pay dividends, but the premium will be cheaper.

Generally speaking, these two need to choose which one is suitable according to the investment channels and investment preferences of the policyholder, if there is no investment channel, and it is a more conservative investment preference, then you can choose the amulet, otherwise it is recommended to choose Ping An Fu; However, I personally recommend choosing Ping An Fu, because according to Ping An's dividends in recent years, it still can't reach the difference in premiums, and the significance is not the greatest.

Of course, there are also the same type of protection products on the market as Ping An Fu, which not only have stronger insurance liabilities, but also have much cheaper premiums, which can be compared.

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

Ping An Fu is an upgraded product, which is an improvement over the talisman Fu, in fact, there are many products that can jump out of Ping An's reference, such as AIA's Quanyou Critical Illness Insurance series.

There are various types of critical illness insurance, and only those that meet your actual needs, are cost-effective, and have good claims services are the first choice.

Common forms of critical illness insurance, and points to note:

1. According to the duration of the insurance: regular and lifetime;

2. The impact on other types of insurance after payment: early payment (after payment, the amount of death and other benefits will be reduced accordingly) additional payment (death and other liabilities will not be affected);

3. Number of payments: single, two, three, four, etc.;

4. Waived: Waiver of late premium for mild illness and waiver of late premium for critical illness;

5. Observation period: whether life insurance is the same as critical illness insurance, and some life insurance (death) has no observation period;

6. The ratio of additional benefits for individual diseases, the duration of protection, and the scope of diseases (this article is more greasy, so you must pay special attention to it). Wait.

Examples of featured products: After suffering from a minor illness with an additional 20% of the sum insured, the later premium will be waived, the death sum insured for critical illness will not be affected, and the sum insured of 100,000 yuan will be taken as an example (there are many types of critical illness insurance such as multiple payments for critical illnesses, multiple payments for minor illnesses, and other critical illness insurance to meet your individual needs).

Male 20 years payment: 0 years old 880 yuan, 30 years old 2220 yuan, 40 years old 3150 yuan, 50 years old 4600 yuan, 60 years old 5 years pay 15320 yuan.

Female 20 years old: 780 yuan for 0 years old, 1950 yuan for 30 years old, 2710 yuan for 40 years old, 3730 yuan for 50 years old, and 13370 yuan for 5 years old at 60 years old.

Exemption from physical examination: 500,000 for minors, 600,000 for those under 40 years old, and 150,000 for 55 years old.

This, it's hard to compare.

There is no comparability of products.

Mainly, it depends on the actual situation and needs of the customer.

I want dividends, talismans, I want to protect comprehensively, and I want to protect myself.

If you want to lower the premium, you will be safe. I like pure security, peace and happiness.

It mainly depends on the customer's situation.

Talisman for the young Blessing Peace blessing for those over 40 years old.

You can compare other insurance companies to shop around and not be fooled.

Both are good Ping An Fu is a pure protection product.