Ping An Insurance What is the difference between Wisdom Star and Smart Star

The form and pattern are the same, and there is not much difference in details.

Customers who have applied for Smart Star are not recommended to apply for Smart Star repeatedly.

Insurance purchase order:

1. Protect adults first, then children, because adults are children's insurance!

2. Buy protection first, then buy financial management, because health is the key to everything!

3. Long-term payment of health insurance and short-term payment of wealth management insurance, because health insurance can be attached to the exemption function, and wealth management insurance generally has compound interest and interest-bearing function!

4. Insurance must be bought early and late, and it must be bought sooner or later; Buy more insurance and buy less, buy as much as you want!

5. Insurance is first of all charcoal in the snow, and then it is the icing on the cake!

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.

Hello, there are 45 kinds of smart star critical illness protection, 30 kinds of smart star, and then the child is 0 to 3 years old, before the wisdom star is serious illness compensation is proportional, smart star is full, with the incidence of leukemia and other major diseases getting younger and younger, smart star critical illness insurance is higher up to 500,000, and life insurance is 1.5 million.

Smart Star is an upgraded product of Smart Star, Smart Star has no value protection before the age of 18, Smart Star has value protection, Smart Star has 45 kinds of critical illness protection, Smart Star is 30 kinds, accident, accident medical insurance until the age of 65.

If there is no value protection before the age of 18, there is a smart star, but there are only 30 types of critical illness protection for the smart star, and there are 45 types of smart star.

Of course, the critical illness is more comprehensive later, and Ping An's Wisdom Star is now out of sale.

If you need a deeper understanding, please feel free to contact us.

Ping An Wisdom Star is an educational annuity insurance plan, the main insurance is whole life insurance (universal type), which can be attached to early payment critical illness insurance, worry-free accident injury medical insurance, premium waiver critical illness insurance, etc.

The insurance product plan provides death and disability insurance, critical illness, medical treatment, premium waiver and other protection, and the insured person receives a high school education pension every year when he or she is 15-17 years old, and a college education fund every year when he or she is 18-21 years old.

Xueba talks about insurance, focusing on insurance evaluation! When buying children's insurance, you must know this comparison table:"Super Complete! The top 136 children's critical illness insurance in China are ranked

Wisdom Star is a universal insurance for children from Ping An.

First of all, let's talk about what is universal insurance. It is a kind of financial management + protection insurance, and the main insurance is generally financial management.

In the ** population, it is a type of universal insurance that can provide support such as education, marriage, and pension, as well as critical illness, death, and accidents. It should be reminded that universal insurance is not actually a panacea, and you will know it after reading this article analyzing the wisdom star:"Do the math, where did all your money go in Ping An [Wisdom Star]?

We don't blow it or black, but evaluate it objectively:

Let's talk about the content of Wisdom Star Financial Management first.

It accrues interest on the money that the customer deposits each year into the policy account. The money earned by customers is mainly through this way, which is okay.

I have to complain that every time you save money, it will deduct you once. The first five years are %, respectively, and from the 6th year, 5% is deducted each year.

At the same time, there is a lot of uncertainty about the guaranteed interest without a cap.

Let's talk about his guarantees.

The basic benefit of the death benefit is 100,000 yuan plus the policy account value, and the specific policy account value depends on the insurance contract you purchased. The most important critical illness benefit for health protection is only 80,000 yuan of the sum insured, and what is even more incredible is that the sum insured of critical illness insurance and the sum insured of death are the same, which means that after I make a claim for critical illness, I only have the basic sum insured of the main insurance of 20,000 yuan.

All in all, I don't particularly recommend buying Ping An's Wisdom Star, it's not cost-effective. If you mainly want to buy insurance for your children, it is best to buy all the health insurance such as critical illness insurance before buying financial insurance. I've put together some critical illness insurance products for kids that you can refer to:

"Great value! Top 10 Cost-effective Children's Critical Illness Insurance in 2020

That's all I have for the issue, I hope it will be useful to you!

This question is up to me, it takes a little time to type, so please be patient.

Questions. I've been buying it for 7 years, should I get it back?

It is not recommended to return it after buying it.

Questions. Isn't it all a routine?

There are two types of coverage for this insurance1Worth of the protection 2There is also a universal account for the additional critical illness protection, which can be used to manage money.

Questions. Can you receive money at the age limit it specifies?

When you buy insurance, those who use it for reimbursement say that the insurance is good, and if you buy insurance, you can't use it or you don't get reimbursed, and many people say it's not good.

If this is not added, it only has the effect of risk protection, and the insurance cost is low for the young, and the insurance cost for the older is high.

This product does not belong to annuity insurance, and insurance can not be compared with banks, the main function of banks is savings, and the main function of insurance is the transfer of risks.

Questions. Then what's the use of me not buying it more?

You can check the amount through the universal account, if you don't add it, it is recommended that you buy critical illness insurance for life.

Questions. This is bought for children from the age of 0.

Products are always updated, so there is no such thing as a good or bad product, just like electronics, when you buy it is the most appropriate time [smile].

If you want to change the insurance for your child, it is not recommended that you return this now, you can continue to keep it, and do not withdraw the money from the universal account, and make a new protection product. When the child is very old and feels that the deduction of the protection fee is not appropriate, you can consider removing the critical illness insurance to retain the value.

Hello, Ping An Wisdom Star is a children's universal whole life insurance, mainly for the baby's future education to make savings, can be flexibly received, with multiple protection, adjustable amount of insurance, premium waiver characteristics.

Depending on your situation, it is recommended that you take a combination of a comprehensive child insurance plan + a child education fund. It has a corresponding guarantee effect on children's accidental injury, critical illness and hospitalization, as well as future education funds, which is relatively comprehensive and suitable for the needs of growing children. When applying for insurance, pay attention to giving priority to improving the insurance of the nature of protection, and then appropriately supplement some types of financial insurance.

Here are a few things you need to pay attention to when insuring your child:

First, the cost should not be too high. The child's insurance premium should be within the limits of the family's financial situation, and should not be blindly compared. Generally speaking, the child's premium expenditure should be around 10%-20% of the total family income.

2. The payment period should not be too long. For children, it is not recommended to buy products with a long coverage period, generally speaking, choosing an education insurance that covers the child until the child is 25 years old can meet the child's education needs.

Third, the guarantee is as comprehensive as possible. It is recommended to choose a type of insurance that includes comprehensive protection such as critical illness, accidental injury, and accidental medical treatment, so that children can receive the most comprehensive care.

Since I don't know your specific situation and can't give a more specific answer, the right insurance for your child is the best insurance, I hope it will be helpful to you.

I don't really like Wisdom Star. Aside from the double waiver, it's not much fun. If you look at the income, it is still the century Tianjiao.

Pretty good. High value protection, hospitalization is subsidized, and accidental medical treatment is reimbursed.

The insurance is pretty much the same. The difference is in different insurance companies, dividends, services, and claims are different.

The difference of products is mainly to meet the special needs of different customers, such as children's education, adults' pension and so on.

In the case of the wisdom star insurance, the design can be made, and the critical illness will be paid separately, and the money can be withdrawn at any time. Not bad either. You don't know if it's right for your family. If the future plan for the child is not ambitious, this product also has shortcomings.

In short, the insurance should be designed to match the specific situation of your home, and it is not said that the product is particularly good.

Finally, the order of buying insurance, adults first, then children, protection first, and financial management later!

It depends on which way you think about it? For example, the protection function or dividends, or the critical illness?

Children's universal products can be used as education funds, wedding funds, entrepreneurial funds, and pension reserves. Yes, you can call to learn more.