Is Ping An Xinsheng 12 good or not?

It can only be said that you get what you pay for, compared with Ping An Fu 16, there are many fewer types of diseases covered, and the accident protection time is relatively short, but it can be adjusted to a lower premium, and the premium will be adjusted to an acceptable price!

Yes, dividends can buy the sum insured and resist inflation.

You can't say whether it's good or not, you can only say whether it's suitable or not, and whether it's suitable for your needs. Each product has its own disadvantages and advantages.

Insurance is good, as long as you buy the right insurance for yourself is the best protection.

Ping An's evergreen Xinsheng is not bad, but there are 30 kinds of critical illness insurance.

Xinsheng is good, it is a lifelong guarantee.

Looking at the ability to pay, Xinsheng has a low starting point for payment.

There is no best, only the right one.

You can't say whether it's good or bad to buy insurance, the most important thing is whether it's suitable or not.

You can learn about China Life Evergain, full protection, low premiums, 77 critical illnesses + 33 mild illnesses, 5 claims for minor illnesses, no reduction of the total sum insured, and a waiver for minor illnesses.

Any type of insurance is good as long as it is suitable for the customer. This depends on the specific situation of the customer. If you wish, you can chat privately.

The evergreens in China are really good, and they need to be chatted privately.

Whether Ping An Xinsheng 12 is useful or not should be judged according to individual needs.

Ping An Xinsheng 12 is a combination product launched by Ping An Life, with whole life insurance as the main insurance and accident insurance.

Accident medical insurance, hospitalization subsidies, critical illness, etc., is a protection-type dividend insurance, which can not only protect the risk but also as an investment, overall, Ping An Xinsheng 12 This product is still useful.

Ping An Xinsheng 12 This product can be attached to critical illness insurance.

Covers 30 critical illnesses, including acute myocardial infarction.

Malignant tumors, sequelae of stroke, coronary artery bypass grafting, acute or subacute severe hepatitis.

Benign brain tumors, end-stage renal disease, etc., have a wide range of coverage for critical illnesses. The coverage age limit is 0-65 years old, the coverage period is for life, and the basic sum assured and cash value will increase with the increase of the coverage period. There are not many restrictions on insurance, but it should still be noted that the policy dividend of this product is not guaranteed, and the dividend distribution plan is determined according to the actual business situation every year, so it is not recommended to buy it for people who want to use this policy to invest.

<> Ping An Insurance Xinsheng 12 Insurance is a protection-type participating insurance.

Basic Information. Qualifications: Applicants aged 0-65 years old and in good health.

Premium: It is based on age, the sum insured, and the need for some riders.

Sum Insured: Formulated according to customer needs.

Duration of Insurance: Lifetime.

Insurance liability: 1. Main insurance (death insurance is the value); 2. Critical illness; 3. Exemption function. Additional hospitalization treatment, additional accidental injury, additional accidental medical treatment, and additional hospitalization allowance are available.

Advantages: It is an insurance plan that will grow up, and it will grow with age.

Disadvantages: It is a protection product itself, and the premium for the same sum insured will be slightly more expensive.

Summary. Hello, Ping An Xinsheng 17, the main insurance is life insurance, which can be paid in advance with critical illness (additional critical illness insurance). If there is no additional critical illness insurance, just buy Xinsheng 17, it is a life insurance, and the insured can only get a claim after death.

Hello, China Leasing Buried Ping An Xinsheng 17, the main insurance is life insurance, which can be paid in advance with Lingzi plus major illness type terminal illness (additional critical illness insurance). If there is no additional critical illness insurance, just buy Xinsheng 17, it is a life insurance, and the insured can only get a claim after death.

Ping An Xinsheng 2017 is a low-premium, high-protection participating whole life insurance with a lifelong tenure and a low insurance threshold. Its insurance age is mainly 0 years old (28 days old at birth) -65 years old healthy people, the insurance period is lifelong, it is a product with a low insurance threshold and a focus on protection.

Ping An Insurance Xinsheng 12 is an insurance product composed of Xinsheng Whole Life Insurance (Participating) 2012 Edition and Xinsheng Early Payment Critical Illness, with an insurance age of 0-65 years old, an insurance period of life, death protection and 30 kinds of critical illness protection, and policy dividends.

Xinsheng 12 can also be attached to accidental medical treatment, hospitalization medical treatment and exemption, according to their own needs for additional insurance configuration.

Xinsheng 12 is a lifelong dividend insurance, you have been paying this until you are old, and there is no additional critical illness insurance.

It has the following functions, the insurance company gives dividends every year, but the dividends are uncertain, and all the dividends will be added to the sum insured of the main insurance.

Death liability, the unfortunate death of the insured, directly claim the sum insured to the family, the additional insurance amount is low, the premium is high, and it is not suitable for the product.

The following are all additional insurances, all of which are paid once a year, and if you don't pay, there will be no protection, hospitalization expenses, and how much will the hospitalization insurance company reimburse.

The daily amount of hospitalization, how much money the hospitalization insurance company will give you every day.

Accidental medical treatment, how much medical treatment can be reimbursed in the unfortunate event of an accident.

Additional accidents, accidental and unfortunate death, and a claim of 100,000 yuan to the family.

Taiping's Million Dollar Carnival is a million-dollar accident insurance, which only covers death.

Notch. From your description, you can see that your gap is mainly.

The accident protection is too low, only 100,000 yuan, and the premium is 200 yuan, and now 200 yuan can protect 300,000 yuan for death, 30,000 yuan for accidental medical treatment, and 150 yuan for accident allowance.

There is no critical illness insurance, and a critical illness insurance is required.

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