Ping An Fu 2017 clause, Ping An Fu 19 insurance content

The latest version of Ping An Fu terms private message me, or Wenzhou insurance consultant Ye Junshuai.

1. Ping An Fu (2019) Whole Life Insurance: Death Benefit: 100% of the basic sum insured to 170% of the basic sum assured.

2. Ping An Supplementary Ping An Fu 19 Critical Illness Insurance (hereinafter referred to as "Ping An Fu Critical Illness 19") in advance

Waiting period: 90 days, during the waiting period, if the patient is diagnosed with a "specific mild serious illness" or "critical illness" as agreed in the contract, the premium paid will be refunded, and the contract will be terminated. If the above circumstances occur due to accidental injury, there is no waiting period.

1. Specific Mild Critical Illness Insurance: 30 kinds of minor illnesses are covered, and 20% of the basic sum insured (up to 22% of the basic sum assured) will be paid each time, and the liability will be terminated after the payment reaches 3 times, and the contract will continue to be valid.

2. Critical illness insurance: 100 kinds of critical illnesses are covered, 100% of the basic sum insured (up to 170% of the sum insured) is paid, and the contract is terminated.

3. Ping An Additional Ping An Fu 18 Malignant Tumor Disease Insurance.

Waiting period: 90 days, during the waiting period, the first onset of malignant tumors and the diagnosis of malignant tumors, the premium paid will be refunded, and the contract will be terminated. If the above circumstances occur due to accidental injury, there is no waiting period.

Malignant Tumor Insurance:

If the first diagnosed critical illness is a malignant tumor, for the new, metastasis, ** and other conditions of the malignant tumor, and the malignant tumor has survived for 5 years or more since the last diagnosis of the malignant tumor, the malignant tumor can get the first benefit, and the additional benefit amount each time is 100% of the basic sum assured.

If you are diagnosed with malignant tumor for the first time, you will be exempted from paying the remaining premiums of this rider.

4. Ping An Additional Long-term Accident Insurance (2013).

Accidental Disability Benefit: Up to 100% of the basic sum insured.

Accidental Death Benefit: 100% of the basic sum insured - Rang Tangerine Accidental Disability Insurance Benefit paid.

Special benefit for accidental dismemberment or death of self-driving car: double the benefit for accidental dismemberment or death.

Special benefit for accidental dismemberment or death of public transport: Double the benefit for accidental dismemberment or death.

5. Ping An Additional Accident Injury Medical Insurance (A or B).

The deductible of 100 yuan shall be paid within the scope of social security and shall not exceed the balance after social security or other compensation. The insurance period is 1 year, 5 years is a guaranteed renewal period, and the maximum renewal age is not more than 65 years old.

Paragraph A: For people who do not enjoy social medical insurance or publicly-funded medical insurance.

Paragraph B: For people who are entitled to social medical insurance or publicly funded medical insurance.

6. Ping An Additional Minor Illness Waiver Insurance (C18) Illness and Clearance Insurance.

If the insured has 20 mild illnesses as agreed in this additional contract, the premium will be waived.

7. Ping An Additional Waiver of Insurance Premium (C19) Critical Illness Insurance.

The insured will be exempted from the premium for the 100 critical illnesses stipulated in this additional contract.

Children's things are always the weakness of parents, children's peace and happiness is just a small point in the insurance, what are the types of children's insurance, and the cost-effective children's critical illness insurance has been arranged:"8 Recommended Children's Insurance".

Children's peace and happiness can not be bought, it is more convenient to see the picture of the protection content, look down:

From the picture, we can understand the basic overview of children's peace and well-being:

100 Critical Illnesses Single Claim + 50 Minor Illnesses 3 Claims + Children's Special Illness Benefit + Optional Insured Waiver + Death Liability + Optional Companion Benefit.

The coverage includes mild and critical illnesses and feels okay, and also takes into account the child's special illness benefit. A casual search will tell you the gap between it and excellent critical illness insurance"Ten Critical Illness Insurance for Children Worth Buying".

What are the good and bad differences between this insurance, let's take a look:

Pros:

1.The Critical Illness Sum Insured can be increased

Before the age of 70, the amount of critical illness benefits can be increased, and the critical illness benefit can be increased by 20% for each mild illness, and up to 60% for the insurance benefit. This means that if you suffer from a major illness after three minor illnesses, the claim amount will become 160%.If the sum insured of critical illness insurance is 500,000 yuan, you can get 800,000 yuan of compensation300,000 yuan can help a family solve many problems

2.Children's Critical Illness Benefit

Many critical illness insurance lacks children's special illness protection, and as long as there are children's special diseases, we have no way to ignore themIt is more reassuring to have children's special illness protectionIn this way, this guarantee is still very good.

3.Offline services are convenient

Ping An is a well-known brand with many branchesYou can get better offline servicesGetting a solution to the problem is more straightforward

4.Escort money

In fact, the companion fund can give a certain subsidy when the child is sick, you can buy some nutritional products or use it in other aspects, which can compensate for some losses of parents when the child is sick.

Cons:

1.The payout ratio for mild illnesses is low

The 30% compensation ratio for minor illnesses is the standard configuration for most critical illness insurances, and the optimal compensation ratio for minor illnesses has reached 55%. In this way, compared with the proportion of minor illness compensation for children's peace and security, it is really small.

2.Waiver of Insured Person's add-on fee applies

Many critical illness insurance policies on the market come with their own insured waivers and do not need to be added at an additional cost, which is not so good in comparison.

3.Lack of moderate illness coverage

Just look at other critical illness insurance, almost every critical illness insurance will have moderate illness protection, so you will lose compared to children's peace and happiness.

Overall, this insurance is not very cost-effectiveHowever, the content of the guarantee is not comprehensive enough

It is sold from 400,000 yuan, with 45 types of critical illnesses, 10 types of specific critical diseases, and 8 types of minor diseases.

Children's Ping An Fu Insurance is a lifetime protection plan with up to 63 kinds of disease protection, introducing 10 kinds of children's specific critical illnesses for the first time, designing three kinds of disease (critical illness, mild illness, and children's special illness) compensation, and promoting the first critical illness companion fund in innovation to protect the healthy growth of children with parents. Specifically, the product has the following advantages:

For specific critical illnesses for children and adults, the sum insured is higher and there are many types.

If the specific critical illness of the child as agreed in the contract occurs for the first time after the waiting period, and the critical illness agreed in the contract has not occurred before, 100% of the basic insurance amount will be paid, and the payment of critical illness protection will not be affected.

Showing care for major and mild serious illnesses, and providing comprehensive protection for independent benefits.

If the baby has a specific mild critical illness as agreed in the contract for the first time after the waiting period, and the critical illness agreed in the contract has not occurred before, 20% of the basic insurance amount for critical illness will be paid, and the payment of critical illness protection will not be affected.

Critical illness coverage is widespread, and critical illness benefits are paid upon diagnosis.

After the waiting period, if the 45 critical illnesses agreed in the contract occur for the first time, 100% of the basic sum insured will be paid upon diagnosis, so as to escort the baby's health and the family's finances.

4. Triple protection, increase the amount of protection.

10 Specific Critical Illnesses for Children 8 Specific Mild Critical Illnesses 45 Major Diseases, Triple Benefit Maximum, a long road, to protect the health of your baby.

If you unfortunately suffer from juvenile leukemia, you can get a one-time payment of 2 times the sum insured for critical illness, that is, 1 million yuan, so as to have better medical conditions and increase the ** rate.

5. Critical illness escort fund, family members no longer have to worry about the future.

The first to recommend the critical illness companion fund, the accompanying parents of the child's illness are more at ease. Coverage until the child reaches the age of majority (up to the age of 25). The children's specific critical illness and minor illness companion fund is paid independently, which does not affect the critical illness companion payment, and can be received for up to 15 months.

Children's specific critical illness companion fund: 2,000 yuan per month for each copy, compensation for 6 months, compensation for parents' lost work expenses; When the liability is terminated after 6 times, the rider contract will continue to be valid and the basic insurance amount will remain unchanged.

Critical illness companion payment: 2,000 yuan per month for each copy, 6 months of compensation, compensation for parents' lost work expenses; When the 6th time is reached, the contract of this rider will be terminated.

Minor illness companion payment: 2,000 yuan per month for each copy, 3 months of compensation, compensation for parents' lost work expenses; When the liability is terminated after 3 times, the rider contract will continue to be valid and the basic insurance amount will remain unchanged.

In the event of death during the benefit period, a lump sum payment will be made for the remaining unpaid.

6. Wide scope of accident protection, double the compensation for self-driving and self-driving.

It covers 8 major parts of the human body, 281 disability liabilities, and enjoys double compensation for private cars or public transportation. What is more humane is that the accident insurance liability is extended to the age of 70, so that children can enjoy longer protection.

7. The exemption protection is more comprehensive, and both parents can enjoy it.

Both parents and children are exempt from liability, and a family of three can enjoy the exemption.

Hello, Ping An Fu 2014 Terms: 1. The content of 14 years of Ping An Fu Insurance is detailed in the previous version of the original critical illness, premium waiver, traffic accident, death, disability and other various protections have basically improved a lot of protection. Among them, the method of matching the socialized interest rate protection product with the protection of minor and critical illnesses has been completed, which can make its own protection more stable and reliable.

2. 14-year Ping An Fu Coverage 14 Years Ping An Fu includes minor illness protection, critical illness protection, self-driving travel protection, and lifelong Wang manuscript protection.

Ping An Fu 2019 Plan remains unchanged in terms of insurance rules, and the insured population is 18-55 years old; There are 4 types of payment periods, the longest payment period is 30 years; The waiting period is 90 days, and it mainly provides coverage for death, illness, malignancy, accident, hospitalization, waiver, etc.

The details are as follows: 1) Death benefit (life insurance): the death benefit is based on the amount of filial piety insured; If the sports standard is met, the additional benefit will be 5% of the sum insured in Standard 1 and 10% in Standard 2. For each occurrence of a specific minor illness, the Death Sum Assured will be increased by 20% up to a maximum of 3 times.

2) Illness protection: Ping An Fu 2019 provides 30 types of minor illness protection, with 3 claims and 20% of the sum insured each time; 100 types of delayed critical illness benefit, 1 claim, and mild and critical illness benefit also provide additional benefits to meet the sports standard; The critical illness benefit will be increased by 20% for each occurrence of a specific minor illness, up to a maximum of 3 times.

3) Malignant tumor benefit: If the first critical illness is a malignant tumor, you can get two additional malignant tumor insurance benefits. For every 5 years since the last malignant tumor, if the malignant tumor is still diagnosed or newly diagnosed for the second or third time, the malignant tumor insurance benefit can be paid at an additional rate of 100% of the sum insured.

If you are dealing with malignant tumours, you can also waive the death premium.

4) Accident protection: 1 times the accident insurance amount will be paid for general accidents, 2 times the accident insurance amount will be paid for traffic accidents, and accidental disability will be paid proportionally.

5) Inpatient medical treatment: For the first diagnosis of a critical illness agreed in the contract, the part of the hospitalization medical expenses inside and outside the social insurance that exceeds the deductible of more than 300,000 yuan within 3 years can be reimbursed, and the upper limit of the reimbursement amount is equal to the critical illness insurance amount, with a maximum of 1 million yuan.

6) Premium waiver: The insured can be exempted from minor illness, and the subsequent premium can be waived if the insured suffers from the agreed mild illness.