How much can you get for Ping An Wisdom Star Children s Universal Insurance

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How to buy insurance for your child

This question has made many parents think hard, today let's take a look at how to buy insurance for their children! Explain from these three aspects:

First, take care of the medical insurance first!

Neonatal medical insurance (medical insurance for urban and rural residents) is a national basic insurance, and children should be handled immediately as soon as they are born.

Second, if you plan to buy commercial insurance, critical illness insurance + medical insurance + accident insurance, this is my advice to you.

First of all, critical illness insurance, choosing it can provide us with a longer period of protection. Secondly, critical illness insurance is paid directly in cash after getting sick, in addition to solving the first expense, it can also solve other associated problems, 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 need to 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 is 10,000 yuan, and the annual premium is only one or two hundred yuan, which is not expensive and very useful.

Finally, accident insurance, it is very cheap for children to buy accident insurance, 200,000 insurance is only 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 practical.

Third, is there any insurance that I should not buy for my child?

Don't give your child life insurance, and try not to consider critical illness insurance with both liabilities attached. I know the specific reasons in this articleDon't buy either type of insurance for your child! Comprehensive 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 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 quite cost-effective.

That's all for me"How much can you get for Ping An Wisdom Star Children's Universal Insurance"All of them, I hope it helps you! Hope!

Take a 0-year-old child as an example, pay for 15 years and pay 10,000 yuan per year.

In the year of premium payment at the end of the payment period, the value of the Universal Account will be calculated as 130% of the total premium paid at the mid-range interest rate, i.e. the annualized interest rate

After the payment period expires, you can partially claim the account value.

The highest part of the account value is used for the child's education and entrepreneurship funds.

After the account value is claimed, the basic sum assured of the main policy is reduced.

If you don't return the money to the universal account for a long time.

The effect will be suspended because the account value balance is insufficient to cover the cost of protection.

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. Ping An Children's Universal Wisdom Star has to be paid for 15 years. The unlimited number of years of Ping An Wisdom Star means that you can choose to pay all the time, or you can stop paying for many years, and you can choose freely to pay the universal payment, which means that the payment period of Ping An Wisdom Star can be paid for 10 years, 15 years, or even 20 years, which can be flexibly chosen.

Ping An Wisdom Star is a universal insurance for children with flexible premium payment.

Ping An Children's Universal Wisdom Star has to be paid for 15 years. The payment period of Ping An Wisdom Star is not limited, which means that you can choose to pay all the time, or you can pay for how many years you can stop paying the base, and the universal payment can be freely chosen, that is to say, the payment period of Ping An Wisdom Star can be paid for 10 years, 15 years, or even 20 years, which can be flexibly chosen. Ping An Wisdom Star is a universal insurance for children with flexible premium payment.

Generally speaking, if you choose to pay for 10 years, the sum insured does not exceed 200,000, according to the interest rate, you can return the principal in about the 9th or 10th year.

Ping An Wisdom Star Education Fund Insurance Plan consists of Ping An Wisdom Star Whole Life Insurance (Universal), Ping An Wisdom Star Advance Payment Critical Illness Insurance, Ping An Worry-Free Accidental Injury Medical Insurance (a) or (b), Ping An Worry-Free Waiver Critical Illness Insurance (b), and Ping An Worry-Free Waiver Critical Illness Insurance (c).

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.

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.