I bought Ping An Insurance and wanted to cancel the exemption B, but I don t know if it is reasonabl

Hello! Waiver B refers to the death or critical illness of the insured person.

When it happens, there is no more cost to this policy, but the insurance liability remains the same. That's what insurance really means. It is not recommended to cancel. Unless the policyholder is old and the waiver fee is high, it will be cancelled if it is not suitable.

Waiver is insurance in insurance and it is better not to cancel.

Hello! Waiver B is exempt from the policyholder and can be cancelled.

Hello, waiver is one of your best interests and it is advisable not to cancel.

Hello, the waiver should be an add-on and can be canceled.

Waiver of premium D means that if the policyholder unfortunately becomes seriously disabled, dies unexpectedly, or has a critical illness specified in the policy for the first time during the policy period, the premium for the remaining years will not be paid, and it is recommended not to cancel it.

Insurance is bought just in case, and the premium waiver function is just in case! It solves the problem that the policyholder cannot continue to pay due to an accident.

Hello, the exemption function is very powerful, not the general company can give customers this benefit, only a large company like Ping An can do it, you can chat privately I see what kind of exemption you are b, I will give you an answer, thank you, I wish you peace and health.

The pro-cancellation exemption does not count! It's not much to pay in a year.

Don't go for it, it's very cost-effective to have an exemption.

This is a rider and can be cancelled.

This is the humane side of the insurance company, if there is something that does not have to pay the premium, why cancel it?

You're stupid, you've bought all the horses, and you're afraid that the saddle will be expensive.

a refers to the death of the insured (payment period).

b refers to the death, disability and critical illness of the policyholder.

c refers to the critical illness of the insured.

If a corresponding accident occurs during the payment period, the future premium can be waived.

Ping An Company Profile.

Ping An Insurance (Group) Co., Ltd. of China (hereinafter referred to as "Ping An of China", "Company", "Group") was born in Shekou, Shenzhen in 1988, is the first joint-stock insurance company in China, and has developed into one of the personal comprehensive financial service groups integrating the three main businesses of financial insurance, banking and investment, and the parallel development of traditional finance and non-traditional finance. The company is listed on the main board of the Hong Kong Stock Exchange and the Shanghai ** Stock Exchange, with **** 2318 and 601318 respectively.

Ping An is committed to becoming a leading international provider of personal financial life services, building a traditional business system with insurance, banking and investment as the pillars, and adhering to the common development of traditional and non-traditional financial businesses. In terms of traditional business, we actively implemented the two core tasks of "financial supermarket and customer migration"; In terms of non-traditional business, we will vigorously promote innovative projects, integrate financial services into customers' various life scenarios of "medical care, food, housing, transportation and play", create a comprehensive financial service platform of "one customer, one account, multiple products, and one-stop service", create a "professional, make life simpler" brand experience for customers, obtain sustained profit growth, and provide shareholders with long-term and stable value returns.

Ping An is an individual integrated financial services group with the most complete financial licenses, the most extensive business scope and the closest holding relationship in China. As of June 30, 2014, Ping An Group had a total of 24 subsidiaries, including Ping An Life, Ping An Property & Casualty, Ping An Pension, Ping An Health, Ping An Bank, Ping An**, Ping An Trust, Ping An Dahua**, etc., covering all areas of the financial industry, and has developed into one of the few financial enterprises in China that can provide customers with a full range of financial products and services such as insurance, banking and investment at the same time. In addition, in terms of non-traditional businesses, the Group has laid out businesses such as Lufax, Wanlitong, car market, real estate market, payment, and mobile social financial portal.

In 2014, Ping An's Internet Finance continued to innovate, with significant growth in scale and number of users. Ping An believes that while the non-traditional business has achieved good development, it will also create new growth space for the traditional financial business.

Waiver B due to death and disability due to serious illness or accident will be exempted from main insurance + accident. Waiver C means that the insured is disabled or dies due to an accident or serious illness, and the main insurance + accident is waived.

Waiver B means that when the policyholder dies, suffers from critical illness or high disability, the premium of the main insurance is not paid. Waiver C means that after the insured has a high disability or critical illness, the remaining premium of the main insurance will not be paid after the critical illness is paid.

Waiver A is a waiver of premiums upon the death of the policyholder, and Waiver B is a waiver of premiums after the death of the policyholder, disability or critical illness. Waiver C means that the insured is exempted from paying the remaining premium after the occurrence of a critical illness.

Hello! Waiver A is for death and (1-3) disability of the policyholder, and Waiver B is for critical illness of the policyholder. Grade (1-3) disability. In the event of death, Waiver C means that the insured suffers from a critical illness as stipulated in the insurance contract, and the subsequent premiums (except for the annual premium) will be waived in the above circumstances

Hello, if the parents insure their children, exempt AB is the parents, and C is the child.

Waiver A is the death of the policyholder. Waiver B is for critical illness, disability, death of the insured, and Waiver C is for the death of the insured. Handicapped. Critical illness.

Hello! Refers to the policyholder, the insured, and the spouse.

Waiver C refers to the occurrence of disability and critical illness of the insured, waiver of the premium of the later stage of the main insurance B refers to the occurrence of critical illness, total disability and death of the policyholder, and waiver of the premium of the later stage of the main insurance A refers to the death and total disability of the policyholder, and the premium waiver of the later stage of the main insurance is waived · Answered on 2021-12-19

What does Ping An Insurance Company's exemption A, B, C mean Waiver C refers to the insured's disability and critical illness, waiver of the later stage of the main insurance premium waiver B refers to the policyholder's critical illness, total disability and death, and waiver of the later stage of the main insurance premium waiver A refers to the death and total disability of the policyholder, and the waiver of the later main insurance premium wishes you good health.

It means that if the policyholder has a critical illness or accident, the insured's liquid fee can be waived, which means that there is no need to pay again, and the insurance company will bear the rest of the expenses, and the interests of the insured will still be enjoyed.

Extended reading: [Insurance] How to buy bad things, which one is better, teach you to avoid insurance by hand, this is too big"pits"

The exemption of Ping An Insurance is a kind of additional insurance attached to the main insurance, which means that after the occurrence of the accident agreed in the exemption insurance clause, the policyholder does not need to pay the subsequent premiums, and the policyholder is exempted and the insured is exempted.

Ping An Insurance Co., Ltd. of China was born in Shekou, Shenzhen in 1988, is China's first joint-stock insurance company, has become a financial insurance, banking, investment and other financial services as one of the whole family cultivation, close and diversified comprehensive financial services group, the business scope includes investment insurance enterprises, supervision and management of the holding of investment enterprises of various domestic and international business, to carry out insurance fund use business, approved to carry out domestic and international insurance business, Other businesses approved by the China Insurance Regulatory Commission and relevant state departments.

Hello! Waiver A is for death and (1-3) disability of the policyholder, and Waiver B is for critical illness of the policyholder. (1-3) level disability, death, waiver C: If the insured suffers from a critical illness as agreed in the insurance contract, the subsequent premiums (except for the annual premium) will be waived in the above circumstances.

Waiver C means that in the event of a critical disability, the premium of the later period of the main insurance will be waived.

Waiver B means that in the event of critical illness, total disability or death, the premium of the main insurance will be waived in the later stage.

Waiver A means that in the event of death or total disability of the policyholder, the premium of the main insurance will be waived in the later period.

Waiver means that if there is a certain situation, the remaining premiums do not have to be paid, and the protection is still valid. Ping An's exemptions A, B, and C are mainly based on the following three situations, and there is no need to pay premiums, as follows:

Waiver A, the policyholder dies in a critical illness, and the follow-up premiums of the contract do not need to be paid, and the protection is still effective.

Waiver B, the policyholder has a critical illness, death, total disability, the follow-up premium of the contract does not need to be paid, and the protection is still effective.

Waiver C, if the insured suffers from a critical illness, the follow-up premiums of the contract do not need to be paid, and the protection is still effective.

Note! Waiver A and Waiver B are for the policyholder, which means that one person insures another person, such as a parent insuring a child, if the parent attaches an exemption A, if a serious illness or death unfortunately occurs, then the child's subsequent premiums on this policy do not need to be paid, and the protection is still effective.

Waiver C is for the insured, such as parents who insure their children, with Waiver C attached, if the child unfortunately suffers from a critical illness, then the subsequent premiums of this policy will not have to be paid.

Nowadays, many excellent Internet critical illness insurance are free of charge with the insured's waiver, no need to spend extra money to attach this protection, and the exemption trigger conditions cover the occurrence of mild, moderate, critical illness, etc., with more comprehensive coverage, not limited to critical illness, after all, if you buy a single compensation of critical illness insurance, after paying once, the contract will end, and of course you will not have to pay premiums.

Extended information] 1. Additional policyholder exemptions, but also health notices!

Additional policyholder exemption and health notification are also very crucial, which directly affects whether the premium can be waived smoothly in the future.

In contrast, the policyholder's waiver of health notifications is even stricter than the insured's.

If the policyholder is involved in the health notice, most products cannot go through the underwriting process, and if the health notice is not met, the policyholder exemption cannot be attached.

When adding this protection, you must pay attention to see if the policyholder's situation meets the health notification questionnaire, and if it does not meet the requirements, you should be cautious, and do not blindly add it.

Whether or not to attach the policyholder's waiver of liability is only a very small detail in the process of buying insurance, but it also involves a lot of professional knowledge, and if you do not do a good job of health notification, it will directly affect the subsequent waiver of premium claims. In short, whether it is the policyholder or the insured, when buying insurance, you must pay attention to health notice, if you are worried that you are easy to buy wrong, it is recommended to find a professional to help check the check, so as not to be unable to pay in the future.

The so-called premium waiver refers to the fact that when the insurance contract stipulates that there is a total loss of work capacity, the insurance company is approved and agrees that the policyholder can not pay the subsequent premium, and the insurance contract is still valid.

Waiver usually refers to premium waiver, which is designed to be very consumer-friendly and can reduce the financial burden on the family to a certain extent. For exemption of this knowledge point and want to make up for the class, you can take a look at this information:What is Premium Waiver and What Are the Benefits?

Do I have to choose insurance when buying it? 》

Premium waiver means that if the policyholder or the insured suffers a risk (e.g. critical illness, minor illness, death) during the premium payment period specified in the insurance contract, the remaining premium will be waived and the protection will continue to be effective.

Most Insured Waivers come with their own, and Insured Waivers are mostly add-ons. In both cases, I would recommend that it be better to attach an exemption for the policyholder: an adult to insure the child and a husband and wife to insure each other.

If the additional policyholder is exempted, the policyholder should be the same as the insured, the health notice is essential, and the additional policyholder waiver does not cost much, and generally does not support underwriting, which is more stringent than the insured's health notice. On how to successfully pass the health notice, I have made a very detailed guide, you can refer to it:What are the tips for health notification when applying for insurance?

Before buying insurance, you need to know the knowledge point of premium waiver, and then share some knowledge points that must be clear before buying insurance:"Before buying insurance, you must first figure out these key knowledge points! 》

Very simply, if the premium has not been paid, the policyholder or the insured reaches a certain situation agreed in the contract, which is generally one of the mild and critical illnesses and death, and the future premiums do not need to be paid, but they continue to enjoy the protection. If the policyholder reaches this situation, he does not need to pay the premium, and the policyholder is exempted; If the insured does not have to pay the premium until this is the case, it is called the insured waiver.

Waiver means that after you buy insurance, if you have a situation that falls within the scope of the exemption, you will not have to pay the insurance premium after the accident.

Waiver is a kind of additional insurance attached to the main insurance, which means that after the occurrence of the accident agreed in the waiver insurance clause, the policyholder does not have to pay the subsequent premiums.

There are two types of exemptions: sub-insured exemption and insured exemption.

The policyholder's waiver means that the policyholder does not need to pay the subsequent premiums after the accident agreed in the waiver insurance clause. Insured waiver means that the insured does not need to pay the subsequent premiums after the accident agreed in the waiver insurance clause.

1. Ping An exemption is an additional insurance. Within 90 days from the date of entry into force (or final reinstatement) of the additional insurance contract, the insured suffers from the following circumstances due to illness:

1. "Critical illness", 2. Seeking medical treatment for related diseases that lead to "critical illness"; The insurance premium will be refunded after deducting the handling fee, and the additional contract will be terminated. This 90-day period is the waiting period (this is to prevent insurance fraud); If the insured suffers from any of the above two circumstances due to accidental injury, there is no waiting period.

2. Waiver of premiums. If the insured suffers from a "critical illness" for the first time after being diagnosed by a hospital, the insurance premium for each period of the waiver period shall be exempted from the date of diagnosis as agreed in this clause.

The exemption period shall end on the date of occurrence of any of the following circumstances:

1. The insured of the main insurance contract dies.

2. The insurance period of this additional insurance contract expires.

The waiver policy will state that the amount of the premium waived does not include the premium for the rider for a period of not more than one year (i.e. only the premium for the main insurance is waived) and the additional charge for universal insurance or investment-linked insurance.