When my child was 3 years old, I bought Ping An Xinsheng Whole Life Insurance and Ping An Xinli Comp

The specific recommendations for insuring your child are as follows:

1.When buying insurance for your child, you should first consider whether the adult is adequately protected, and don't put the cart before the horse.

2.Don't ignore local insurance policies, such as whether there is medical coverage for the elderly and the young.

2.Children's insurance, based on the basis of protection, then talk about education funds.

3.In terms of protection, accidents, critical illnesses, and medical treatment must be considered.

4.There are three types of children's insurance in the market: dividend, universal and investment-linked, and it is recommended to choose the first two.

5. Insurance planning, do what you can, don't deviate from the reality of affordability, then it is not insurance. Best, solve whatever you can? Don't aim for a one-step solution.

6.Remember the additional exemptions!!

6.Buying insurance for your children, don't plan too much for a rainy day, and plan your life, which is very unrealistic. Treat it rationally and do what you can. You can set short-term, medium-term, and long-term financial goals, but if you don't ask for them all, reverse the order, and it will be a mess and a waste of money.

7.First of all, we must clearly understand the above needs and rules, and then select a qualified ** person, which is very important and very important, and then choose an insurance company.

It is recommended to communicate with ** people in detail and verify with multiple parties, after all, face-to-face communication is the most practical and effective way.

Xinli's product portfolio is no problem with buying tens of thousands of insured amounts.

What is the good thing about Ping An Xinxiang Insurance (Participating)? Buy for children under two years old?

Expert analysis: Xinxiang product is a low premium and high protection of the participating insurance, children buy, the premium is cheap and the protection is very high, and you can freely choose how old to insure, it is generally recommended that the child is insured to 20 or 30 years old, before the adult is protected, after the expiration of the policy, you can also get a maturity payment as a child's education or entrepreneurship fund.

Most of the children's insurance is a rebate type, Xinxiang is not, and it must be received when it expires. And it's not for life, you can guarantee it for 20 years, 30 years.

Ping An Xinxiang is fortunate that the guarantee time is regular, which can be used as a lump sum deposit, the guarantee time is flexible to choose by yourself, and there are floating dividends every year, which can be used as compulsory savings, and can be received as a one-time supplement to the education fund when the child is studying.

Ping An's Xinxiang insurance period is 3 times the protection, there are dividends every year, the deposit period is flexible, you choose, 2 times the sum insured at the end of the term, and the 2-year-old child buys a low rate, which is a good choice.

Case Study: Ping An Xinxiang is a fixed-term insurance that is characterized by triple protection for adulthood, double payment at maturity, independent annuity conversion, and annual policy dividends. This type of insurance is for children.

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

If you have a high budget, you can buy both children, and if you have a normal budget, it is recommended that two children buy different insurance products.

Let's talk about this issue in detail.

How about Ping An Life, what products are there, which ones are good, what are the pitfalls, and in-depth analysis.

1. Do two children have to buy Ping An Xinxiang insurance dividend?

Ping An Xinxiang Dual-Life Insurance Participating Type is a dual-insurance type, and the premium of this type of product is relatively high.

If the family conditions are better, it is true that both children can buy this product, but if the conditions are average, it is recommended not to buy both of them, and you can refer to other products.

About both insurance, the salesman will definitely not tell you!

Second, how about the participating type of Ping An Xinxiang insurance

The insurance age of Ping An Xinxiang Insurance Dividend is 28 days to 55 years old, which is indeed suitable for children.

Moreover, the protection period of Ping An Xinxiang Insurance Dividend is also very flexible, with multiple options, and you can choose the protection time you want according to your needs.

And Ping An Xinxiang insurance participating type can also add the policyholder exemption protection, if you are insuring your own children, it is very practical to add this protection responsibility.

In addition, Ping An Xinxiang Insurance Participating Type can also be attached to Xinxiang Critical Illness, if necessary.

However, this kind of dividend insurance is not simple, you can take a look at the following article:

Ping An Xinsheng Children's Insurance is a life insurance, which is a participating insurance that provides death protection. However, because children's demand for life insurance is not large, and they need critical illness insurance and medical insurance, policyholders can add Xinsheng critical illness insurance, accident medical insurance and other types of insurance to make the protection more comprehensive.

In addition, the dividends of Ping An Xinsheng Children's Insurance are also uncertain, and the dividend plan needs to be specified based on the actual operating conditions and profit results of the insurance company.

The correct explanation is as follows: the Ping An Insurance Xinsheng Whole Life Insurance Participating 2017 you purchased is a good product. Because this insurance plan provides lifetime protection, as well as annual dividends, it has both protection and returns; In addition, as a well-known large insurance company, Ping An's strength and services are also trustworthy.

The main advantages of Ping An Xinsheng Whole Life Insurance (Participating, 2017) are: low insurance threshold, people under the age of 65 have the opportunity to insure, and this product has the characteristics of annual policy dividends and various payment methods.

The Ping An Insurance Xinsheng Life Insurance Dividend 2017 you purchased is a good product. Because this insurance plan provides lifetime protection, as well as annual dividends, it has both protection and returns; In addition, as a well-known large insurance company, Ping An's strength and services are also trustworthy. The main advantages of Ping An Xinsheng Whole Life Insurance (Participating, 2017) are:

The insurance threshold is low, and people under the age of 65 have the opportunity to apply for insurance, and this product has the characteristics of annual policy dividends and various payment methods.

If you get sick, you will spend 50,000 rudders. How much can be reimbursed.

After the accident, call Ping An Life's customer service **95511 or through online channels) to report the accident to the insurance company as soon as possible. Materials to be provided: Fill in the claim application form and provide other required claim materials.

For different types of insurance, the requirements for claim materials are different. Data review and verification: The insurance company will review the case materials, notify the customer of the claim or refuse to cover the claim within 30 days at the latest, and will conduct consultation and investigation for doubtful cases.

Claim Result: If the claim is confirmed, the claim will be paid within 10 days after the notice is issued.

If you don't have social security, you'll be reimbursed at 60%.

For example, how much can be reimbursed for spending 50,000.

There is social security. How do you analyze the reimbursement from this product?

There is social security reimbursement depending on the level of hospital.

Level 2 or above.

The reimbursement of this product depends on which hospitalization medical insurance you have purchased.

The reimbursement ratio of secondary hospitals is 60%.

Is it an add-on?

Yes, it depends on which one you bought.

Hello dear, I am glad to answer for you, Ping An Xinsheng Whole Life Insurance (Participating) is the main insurance product belonging to Ping An Life Insurance Co., Ltd. Ping An Xinsheng Whole Life Insurance (Participating) has a low insurance threshold and focuses on protection, and can be supplemented with "Ping An Xinsheng Early Payment Critical Illness Insurance" to protect against serious illnesses; Additional "Ping An Accident Injury (Medical) Insurance" to cover medical reimbursement; Additional "Ping An Additional Healthy Life Hospitalization Medical Expenses a(b)"."Reimbursement for hospitalization in case of illness. The basic insurance amount of the main insurance contract of Ping An Xinsheng Whole Life Insurance shall be agreed upon at the time of application, and the following insurance liabilities shall be assumed:

Death insurance benefit, the death of the insured, according to the insured amount of the "death insurance benefit". Ping An Xinsheng Whole Life Insurance (Participating) means that the main insurance contract is a participating insurance contract, and it has the right to participate in the distribution of distributable earnings of the participating insurance business.

You first determine what the purpose of buying an insurance policy is. Your needs are in**.

Let's not talk about what insurance looks like, but if and how much your child needs?

A child, with NCMS, that is, hospitalization insurance, then what he needs now is accident medical insurance, accident insurance, and then hospitalization medical insurance. (Children are small, there is a high chance of accidental injury, and then the resistance is not strong, and it is easy to get sick.) ）

The probability of a critical illness is much lower than that of an accident, but it is not impossible, so if you have the ability, it is of course better to buy it when saving for protection.

Then the insurance can also be divided into regular and life-long, term insurance, like Ping An Baby (you can learn about it), paid every year, 480 yuan per year, consumption-based, spent on it, but for people with financial pressure, buying a fixed term can alleviate it.

Lifelong, there is an advantage, that is, exemption, if the adult has a critical illness or death, the insurance does not have to pay, and then you can protect the child for lifelong critical illness and life insurance (hospitalization and accidental injury cannot be exempted).

After 20 years after the last two items are paid, they can no longer be paid, and they are not guaranteed, and if they want to be guaranteed, they will have to follow another payment. Enjoy life is more expensive when the child is small, you can change it to a safe baby, so that you can get the last two items as long as 480. It's cheaper after the age of 6, that is, you have to buy it again every year.

Hello, this premium for you still poses pressure, then I think this insurance is really the most suitable for you, because it is already the lowest starting type of insurance, in addition to your understanding of some deviations, the first two are to pay 20 years for life, the last two can only pay 20 years for 20 years, because this is an additional insurance payment period is with the main insurance after 20 years, even if you want to pay, you can't pay, and the third item is the younger the child, the more expensive it is, so the salesman did not dare to give you more, and it will be cheaper every year in the future. Obviously, the salesman is very responsible, and he should fully consider your ability to pay before choosing this type of insurance for you.

I feel that the insurance amount for accidental injury is low, or you can not add it here, buy it separately, and you can achieve an insurance amount of 100,000 yuan for more than 200, including hospitalization medical treatment.

Xueba says insurance, to help you avoid all the pitfalls of buying insurance for your children! This year, the comparison table of 136 hot-selling critical illness insurance for minors has been updated, now for free, click to claim now.

What insurance is good for children

First, you must apply for the country's medical insurance!

After the child is registered, it is necessary to handle the neonatal medical insurance (urban and rural residents' medical insurance) as soon as possible, whether it is a major illness or a minor illness, the basic medical insurance is particularly important, which is why medical insurance is called the first type of national insurance.

Second, in addition to the national medical insurance, some necessary commercial insurance should also be considered, and critical illness insurance + medical insurance + accident insurance is preferred.

First of all, critical illness insurance, which provides a relatively long period of protection. Secondly, critical illness insurance pays cash directly after getting sick, which can not only solve the problem of medical expenses, but also solve other associated problems, such as falling behind due to illness, or some irreparable losses in subsequent life, which require a lot of cash to make up. Buying a pure protection critical illness insurance can solve these problems in the future.

As for medical insurance, it 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 only one or two hundred yuan, which is cost-effective and practical.

Finally, let's talk about accident insurance, children's accident insurance is very cheap, 200,000 insurance amount is sixty or seventy yuan per year, you don't see that the money is not much, but in fact, the protection is quite extensive, accidental death, disability, accidental medical liability are within the scope of protection, very cost-effective.

Third, what are the insurance policies that are not recommended for children?

Don't choose life insurance for your child, and try not to choose critical illness insurance with both liabilities. The specific reasons I know are in this answerDon't buy either type of insurance for your child! Comprehensive insurance strategy!

has been introduced in detail, because it has been written in detail in the manuscript, so I won't spend too much time introducing it here.

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

That's all for me"I bought it for my 4-year-old daughter, is Ping An Xinsheng Whole Life Insurance (Participating, 2012) suitable for her? "

1. I think it is very suitable, as far as I am concerned, insurance still has to buy protection, and Xinsheng is such a pure protection insurance, with low premiums to leverage high protection.

2. From the perspective of the combination of main and supplementary insurance, critical illness, accidental medical treatment, hospitalization day, hospitalization expenses, the protection is very complete, and the insurance amount is appropriate, which shows that you have met a very professional person.

3. Buying insurance for children should first consider protection, followed by education funds, no matter how important education is, it is not as important as the healthy growth of children, no matter when, the risk is the greatest harm to a family. From this point of view, you are a very responsible parent.

4. Buy insurance for yourself before buying insurance for your child, because the risk of parents is the biggest risk, and only by improving your own protection first, the future of your child is guaranteed.

To apply for commercial life insurance, pay attention to a tailor-made, that is, you need to meet your own needs, and you need to provide the following basic information: gender, age, occupation, physical condition, income, family situation, social insurance ownership, commercial insurance ownership, and what kind of insurance (children's education, retirement pension, wealth planning, health protection) is required