How about Ping An Children s Universal Insurance, and how much does Ping An Children s Universal Ins

Xueba talks about insurance, focusing on insurance evaluation! Remember to compare other products before buying children's insurance, I have compiled some products suitable for children to buy here, you can take a look if you need it:"Which insurance is suitable for children aged 0-18".

How about Ping An Children's Universal Insurance? You have to consider it in combination with your actual needs, and it is recommended to understand what universal insurance is before making a choice

Children's insurance is mainly composed of educational and protection children's insurance, specifically children's critical illness insurance, children's accident insurance, children's medical insurance, children's education insurance, etc.

Ping An's products are still okay, and the old big companies are also convenient for claims.

But all of its products have one drawback in common:It's too expensive and not very good value for money。If you are interested in Ping An's products, you can also check here::

"How about Ping An Life, what products are there, which ones are good, what are the pitfalls, in-depth analysis".

Let's talk about Xiaofuxing 20, buy a lifelong insurance amount of 500,000 yuan, pay it for 20 years, and pay 5,450 yuan per year, and most of the people on the market only need more than 2,000 yuan.

Moreover, the compensation ratio of mild illness protection of this product is low, and the compensation ratio of minor illness of many critical illness insurance on the market is more than 30%, while the compensation ratio of Xiaofuxing mild illness is 20% (default choice).

In addition, there are a lot of heated discussions on the Internet, the length is too long, I won't say it specifically, if you are interested, you can take a look at the original article yourself:"The little lucky star of peace who was praised turned out to have these shortcomings...

is often compared to his family's children's peace and happiness, its mild disease is also only 20%, ** nearly half more expensive than Xiaofuxing. A 0-year-old boy buys 500,000 yuan of insurance, which is guaranteed for life, and is paid for 20 years, all of which require 7,050 yuan. Buying a critical illness with multiple claims may not be at this price.

Therefore, I don't recommend buying it very much, but if you like Ping An's products very much, between Children's Ping'an Fu and Xiaofuxing 20, I recommend you buy Xiaofuxing 20. At least, buying a small lucky star 20 is still cheaper than children's peace and happiness.

Since there are so many Ping An products, the specific choice of which one to buy depends on how old your child is, your budget, etc. Hope!

Universal insurance is not highly protected and has flexible access. Smart Star is not bad. Mainly according to your own needs, if you have an accident, critical illness protection, universal or good?

Yes, Smart Star is very suitable for children to buy.

It's okay, it mainly depends on what you want to use it for.

Founded in 2002, Ping An Life is one of the world's top 500 life insurance companies, and won awards such as "Outstanding Life Insurance Company of the Year" in 2021. Universal insurance, also known as universal insurance, is a type of insurance with both protection and financial management functions. Ping An Life has a lot of children's universal insurance products, and the space is limited, so I can't list them all.

And different products, the premium to be paid a year is also different, some may only need a few thousand yuan per year, but some need more than ten thousand yuan per year. In addition, the amount of premium paid in a year is also related to age, sum insured, etc. If you want to know what kind of partner Ping An Life is like as an insurance company, you can take a look at this article:

How about Ping An Life, what products are there, which ones are good, and what are the issues worthy of in-depth analysis?

Although children's universal insurance also has a financial management role, the income of universal insurance is unstable. In other words, if this is a sum of money invested as a child's education fund, then the income generated by this fund may not be very stable. Since the account value of universal insurance is related to the settlement interest rate, and the settlement interest rate announced by the insurance company is different every month, the income is not very stable.

How much money can I make by buying universal insurance? Don't be sold, it's a happy ......In addition to universal insurance, there are other types of insurance with a financial nature that are also worth insuring, such as annuity insurance. The income of annuity insurance is relatively stable compared with universal insurance, and the longer the year, the higher the income of annuity insurance.

Therefore, compared with universal insurance, the senior sister recommends that you buy annuity insurance for yourself, which can be used as a child's education fund or a wedding fund and start-up fund for future growth. There are many annuity insurance on the market, and in order to save time for parents, the senior sister has compiled this list of high-yield annuity insurance for you, hoping to help parents:

Top 10 Annuity Insurance Rankings Want to buy high-yield annuity insurance? Don't miss out on these 10 again!

At present, the newly listed Ping An Wisdom Star Children's Universal Insurance has a minimum payment of 4,000 yuan, and the previous Ping An Century Tianjiao Children's Universal Insurance has a minimum payment of 12,000 yuan.

Ping An has a century winner children's omnipotence, starting from 12,000 yuan, under 18 years old has a protection of 10,000 yuan, can be attached to critical illness, and the sum insured can be increased after the age of 18.

How much Ping An Children's Universal Insurance pays a year depends on which product it is.

and the specific insurance conditions will be known later.

Because universal insurance provides universal accounts, the more money we invest, the higher the premium required, so it cannot be generalized.

Children's wisdom star from 4000.

Century Tianjiao 12,000 up.

Also, this universal insurance can truly achieve the purpose and meaning of education. Among the types of Ping An children's insurance, Smart Star has the largest cash value that can be recovered. I also bought this product for my daughter.

Smart Star is a universal product, which is good. Suitable for children from 28 days to 17 years old, save education funds, wedding funds, and entrepreneurship funds for children, so that children have a certain future.

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.

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.

Summary. <> Ping An Children's Million Insurance: Ping An Children's Insurance is an innovative children's insurance product that takes into account children's protection and parents' financial compensation, in addition to covering 10 kinds of children's specific critical illnesses, 8 types of mild critical illnesses, 45 kinds of critical illnesses, accidents, exemptions and other protection responsibilities, but also takes into account the long protection time of children's protection and the loss of work during the period of parental care, etc., and designs the triple payment of critical illness and the responsibility of critical illness companion fund, so as to pass on protection and care to the whole family.

Ping An Children's Million Full Insurance.

<> Ping An Children's Million Insurance: Ping An Children's Insurance is an innovative children's insurance product that takes into account children's protection and parents' financial compensation, in addition to covering 10 kinds of children's specific critical illnesses, 8 types of mild critical illnesses, 45 kinds of critical illnesses, accidents, exemptions and other protection responsibilities, but also takes into account the long protection time of children's protection and the loss of work during the period of parental care, etc., and designs the triple payment of critical illness and the responsibility of critical illness companion fund, so as to pass on protection and care to the whole family.

Children's Ping An product form: Children's Ping An Fu has three major functions: comprehensive protection, multiple compensation and income loss compensation! Covers 109 diseases, accidents, exemptions, etc., building a comprehensive risk barrier; Multiple claims for mild and critical illnesses and malignant tumors will escort children to cope with multiple risks in the future; There is also a sickness care payment to compensate for the loss of income during the period of parental care.

Children's Ping'an Fu 6 all-rounds: 1. Comprehensive: 80 kinds of critical diseases + 20 kinds of mild diseases + 10 kinds of children's special diseases ("leukemia" in children's special diseases and "malignant tumors" in critical diseases overlap), a total of 109 types of diseases are covered.

2. High: Up to 7 times, double the sum insured; 3. Light: 3 minor illness claims!

3 times, 3 times! 4. Heavy: 3 malignant tumor compensation!

3 times, 3 times! 5. Exempt: Serious illness, mild illness and special illness are exempted; 6. Outside:

10 levels of 281 accident benefits. Ride, public transport double, double!

Hello, there are many types of children's insurance in Ping An Insurance, which generally include:

1. Children's accident insurance;

Buying this type of insurance does not mean that you can not worry about the safety of your child from now on, it is just that you can get some financial help and compensation after the child has an accident.

2. Children's health and medical insurance;

Critical illness insurance is cheaper the insurance premiums the younger the age at which they are issued. In the past, many companies required critical illness insurance to be purchased only if they were 18 years old, but with the increase in insurance products, children under the age of 16 can now purchase this type of insurance.

3. Children's education savings insurance;

At present, many insurance companies have launched educational insurance designed together with education** and child death protection, compared with simple investment channels such as savings, the purchase of educational insurance has an additional layer of protection function.

4. Children's investment and financial insurance;

Families can meet uncertain educational expenses according to their children's educational needs. To invest in this type of insurance, you need to have a certain economic foundation and a high premium budget.

You can also refer to:

The main types of insurance are generally the above four, as for different specific types of insurance, you can go to the insurance company or a third-party network insurance platform to consult and purchase according to the specific situation of your baby, I hope it will be helpful to you.

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

Since it is a universal insurance, it means that it is very flexible, and the universal critical illness can be 70 times the premium, that is to say, if the annual payment is 5000, the critical illness can be 35w, not only 8wMagnum is more flexible in all aspects, it can be used as education and wedding money in the early stage, and the adjustment of the insurance amount in the later stage can also be used as a pension.

Yes, but remember that if you pay 4000 premiums, it is better to pay for 20 years, if you pay more than 7000, you can pay for 15 years, and you will receive more in the future, but you need at least 18 years to accumulate.

Wisdom Star and Century Tianjiao Insurance are good universal insurance!

Xueba said insurance, teach you to buy insurance for your children and not be pitted! This year, the comparison table of 136 hot-selling juvenile critical illness insurance has been updated, now for free, click to claim now.

How to buy insurance for your childFirst, children's medical insurance is essential!

After the child is born, as long as the household registration is registered, you can immediately apply for neonatal medical insurance (urban and rural residents' medical insurance), whether it is a major illness or a minor illness, the basic medical insurance is particularly important, so this must be handled for the child.

Second, on the premise of handling medical insurance, you can start to consider commercial insurance, and critical illness insurance + medical insurance + accident insurance needs to be given priority.

Let's start with critical illness insurance, which provides coverage for as long as possible. In addition, critical illness insurance can directly pay a large amount of cash after getting sick, in addition to solving the first expense, it can also solve many hidden problems caused by illness, such as children who delay their studies due to illness, and even some subsequent life losses, which need a lot of cash to make up. Buying a pure protection critical illness insurance can just solve these problems in the future.

Look at 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 of 10,000 yuan, and the annual premium is only one or two hundred yuan, which is cost-effective and practical.

Finally, you need to configure an accident insurance, children's accident insurance is very cheap, 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 cost-effective.

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

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 idea I gave you to configure insurance, if it is for the child to configure regular protection, 1000 yuan per year can be configured comprehensively, if you buy lifelong protection, it is only two or three thousand per year, cost-effective and practical.

That's all for me"How about Ping An Children's Universal Insurance? "

After searching and consulting relevant personnel on the whole network, and learning about countless insurances, I found that the large-scale Ping An products are indeed vast, and there are many products that can be insured by children alone

Among them, the types that are suitable for children to purchase are critical illness insurance, medical insurance, and accident insurance.

The most important thing to buy insurance is to suit yourself. If the subject doesn't know what insurance to buy, he can click the link directly to view.

Top 10 Cheap and Quality Child Insurance in 2020

After reading the link, I still don't know which one is suitable for me, but I can always buy the right one after I read it. But if you buy something that is not suitable, it is really a waste of money and effort, and after learning about so many safe products, especially those that are not recommended, they have been summarized and taken by themselvesWhat are the Ping An children's insurance products that are not recommended?

Xueba said that insurance only helps families who really want to buy insurance for their children! This year, the comparison table of 136 best-selling children's critical illness insurance has been updated, click to claim now, I believe it can help you.

How to buy insurance for your childFirst, children's medical insurance is essential!

After the child is born, as long as the household registration is registered, you can immediately apply for neonatal medical insurance (urban and rural residents' medical insurance), whether it is a major illness or a minor illness, basic medical insurance is particularly important, which is why medical insurance is called the first type of national insurance.

Second, in addition to the basic insurance of national medical insurance, commercial insurance should also be considered, and critical illness insurance + medical insurance + accident insurance should be given priority.

First of all, critical illness insurance, which provides a relatively long period of protection. Secondly, critical illness insurance is paid directly in cash after getting sick, which can not only solve the problem of medical expenses, but also solve many hidden problems caused by illness, such as taking care of sick children, and bringing economic losses to the family, which require a lot of cash to make up. Buying a pure protection critical illness insurance can solve these problems.

As for medical insurance, it can be used to reimburse the medical expenses of children's usual medical treatment, for example, with a 0 deductible hospitalization medical insurance, with an annual premium of one or two hundred yuan, you can buy an insurance amount of 10,000 yuan, which is very cost-effective.

Finally, accident insurance, children's accident insurance is very cheap, 200,000 yuan per year, only sixty or seventy yuan, can protect children from disability, death and medical liability caused by accidents, cheap and useful.

Third, what insurance should not be bought for children?

There has been a detailed introduction in , so I won't go into too much detail here.

According to the idea I gave you to configure insurance, if it is for the child to configure regular protection, about 1,000 yuan per year can be done, if you buy lifelong protection, it is only two or three thousand per year, which is very practical.

That's all for me"Which is better for Ping An Children's Insurance?"