What is the difference between Ping An Fu upgraded 2019 and Ping An Fu 2018?

<> Ping An Fu 2019 and Ping An Fu 2018 Guarantee Responsibility Comparison Chart.

The above is a comparison chart between Ping An Fu 2019 and Ping An Fu 2018, from which it can be seen that in terms of the types of critical illnesses and the types of minor diseases, the number of Ping An Fu 2019 has increased, but!! Minor stroke, atypical myocardial infarction, and coronary intervention are still not guaranteed!

Moreover! Ping An Fu's life insurance and critical illness insurance belong to the same sum insured!!

There is such a sentence in an extremely hidden corner of the official website:

After the critical illness is paid, the basic insured amount of the main insurance will be reduced by the same amount as the basic insured amount of the critical illness." This means: it seems that everything is insured, but in fact there is no difference between there and no, why can't you buy these two types of insurance separately to make the protection more comprehensive?

Then the biggest feature of Ping An Fu 2019 is that it is expensive!! The premium of the upgraded Ping An Fu 2019 version is still too expensive, and it is still more than 40-50% more expensive than similar products.

But if there is a demand from a large company, expensive is not a disadvantage of the product.

I hope Zhu Baojun can help you today!

Compared with Ping An Fu 2018 and Ping An Fu 2019, the current Ping An Fu 2019 covers 100 kinds of critical illnesses and 50 kinds of mild diseases, with more comprehensive protection, and a variety of additional insurance combinations, which can be attached to malignant tumors, cardiovascular and cerebrovascular, liver and kidney and other related diseases, which is also very sincere, and the family has also gone to upgrade, Ping An Insurance is one of the world's top 500 companies, and my family and I are very relieved to be a large company.

There is a big difference, and the type of insurance has been added, ** higher.

Following the popularity of "Ping An Fu 2014" and "Ping An Fu 2015", Ping An Life has made new moves! On September 1, Ping An Fu products were fully upgraded. So, is the upgraded Ping An Fu 2016 good?

How? In 2016, the number of additional critical illnesses was upgraded from 45 to 80, and the number of mild critical illnesses was significantly increased from 8 to 20. The following are the features of Ping An Fu 2016 after the upgrade:

1. Affordable

Low premium, high sum insured, comprehensive protection, cost-effective! Get a higher sum insured for the same premium, the same age!

2. Accompany each other for life

Ping An Fu product is a whole life insurance with certain policy benefits and lifelong care.

3. Compensation will be paid upon diagnosis of critical illness

Ping An Fu provides lifelong critical illness protection, with a critical illness waiting period of only 90 days, and its critical illness coverage is widespread, and this time the protection has been increased from the original 45 types of critical illness protection to 80 types.

4. Minor illness payment, more complete protection

Ping An Fu has increased the scope of coverage for a wide range of "specified mild critical illnesses" from 8 to 20. In the case of "Specified Mild Critical Illness" for the first time, the "Specified Mild Critical Illness Insurance Benefit" will be paid at 20% of the basic insured amount of the critical illness, and the payment of the critical illness benefit will not be affected.

5. 281 accident benefits up to the age of 70

Most of the accident benefits are covered up to the age of 60 or 65, while the "Ping An Fu" accident benefit liability is extended to the age of 70. As many as 281 accidental disability assessment standards, so that the scope of liability is more extensive and the protection is more comprehensive!

6. 2 times the payment for accidents in self-driving and public transportation

Ping An Fu provides Accident Protection, which can receive 2 times the basic sum insured in the event of accidental injury while driving, taking a non-operating private car or taking public transportation.

7. Waiver of premiums

After the waiting period ends, when the policyholder dies or suffers from total disability or critical illness as agreed in the contract, the policyholder can be exempted from paying the remaining premiums during the waiver insurance period, and the insured's policy rights and interests are still valid.

After Ping An Fu has been upgraded in 18 years, can it be downgraded?

Hello, I'm honored to have your question Ping An Fu 18 can be reduced, but the insurance reduction can not be lower than the minimum insurance amount, if the initial insurance chain is the minimum insurance amount, then you can not apply for insurance reduction, Ping An Fu 18 minimum insurance amount of 150,000, some cities 200,000 minimum investment; Under normal circumstances, it is not recommended to reduce the insurance easily, because after the reduction is paid, after all, the insurance amount is reduced and is not enough to offset the risk. If there is only a temporary capital turnover problem, the policyholder can solve it through other methods such as automatic advance payment, changing the payment method, etc., and try not to choose to reduce the amount of rubber wheel to pay off. In addition, if you are unable to pay the premium for a long period of time and need to reduce the policy, you must do so before the grace period for renewal premium, that is, within 60 days after the payment date. In addition, the reduction must also be based on the premise that the insurance contract has a cash value before it can be applied.

Ping An Fu 2017 is a critical illness insurance of Ping An Life that has been discontinued.

The main insurance of the product is life insurance, with additional critical illness insurance with early payment.

In addition, it can also be added with accident insurance for changing the lease period of Changhuai.

Medical insurance and other products.

Analysis of the advantages and disadvantages of Ping An Fu 2017.

1. Introduction to product advantages.

1) Strong advantages in insurance portfolio.

Ping An Fu 2017's life insurance and critical illness insurance coverage.

It is 1:1, which means that even if the critical illness insurance is claimed, the liability will not be terminated, and the additional additional insurance will still be valid, and the insurance can also be claimed after the accident. There are similar products on the market that have a life insurance and critical illness ratio of 1:

1. The two liabilities share the sum insured, so once a critical illness claim occurs, the policy will be terminated.

2) Additional medical insurance is excellent.

This product can be used with Healthy Life Hospitalization Medical Insurance, which is a small medical insurance that can be renewed for 5 years, and the product can cope well with chronic diseases, due to the same disease**, it can be reimbursed again after an interval of 30 days, and there is no limit on the total amount of reimbursement.

3) If the exercise meets the standard, the lead trillion insurance amount can be increased.

If the insured person has 10,000 or more exercise steps per day for 600 days within 2 years of insurance, then the sum insured for critical illness and death can be increased by 10%, and the sum insured for minor illness can be increased by 2%, which can not only improve the protection but also encourage the insured to exercise.

2. Product defects.

1) Safeguards need to be strengthened.

This product not only lacks moderate illness protection, but also has a low compensation ratio for mild illness, only 20% of the sum insured is paid for only one diagnosis, and the protection is slightly insufficient, and there is no cancer.

Multiple payout coverage.

2) High payment.

Ping An Fu's pricing has always been very high, and there are certain requirements for the policyholder's ability to pay. For example, a 30-year-old man applies for insurance (including only life insurance and critical illness insurance), the sum insured is 300,000 yuan, and the premium is paid for 30 years, and he needs to pay 7,256 yuan per year.

Summary. Ping An Fook upgrade Ping An Lukfook is not very accurate. However, Ping An Lukfook Critical Illness Insurance can be regarded as an upgraded version of Ping An Fu, which has made great progress from a single claim to multiple claims for critical illness grouping, but multiple claims for critical illness are limited to before the age of 80, and the maturity payment requires no claims for critical illness before the age of 80, and the restrictions are also not small.

For a large company like Ping An, Ping An Lukfook is a great innovation, but it is difficult to stand out in the highly competitive multi-claim critical illness insurance. Ping An Lukfook's cost or premium is still higher than that of Ping An Fu.

Ping An Fook upgrade Ping An Lukfook is not very accurate. However, Ping An Lukfook Critical Illness Insurance can be regarded as an upgraded version of Ping An Fu, which has moved from a single claim to multiple claims in a critical illness group, which has made great progress, but the multiple claims for critical illness are limited to before the age of 80, and the maturity payment requires no claims for critical illness before the age of 80, and the restrictions are also not small. For a large company like Ping An, Ping An Lukfook is a great innovation, but it is difficult to stand out in the highly competitive multi-claim critical illness insurance.

Ping An Lukfook is still higher than Ping An Fu's premium.

I'm still a little confused, can you be more detailed?

In fact, Ping An Fu and Ping An Luk Fook are two types of critical illness insurance. If you want to do both, you can do both. One is to interrupt peace and well-being, which will cause losses; The second is to continue to hold Ping An Fu and buy another copy of Ping An Liufu.

It will also increase the premium, and the coverage terms will overlap, and the cost performance will be discounted. Therefore, it should be carefully considered according to the specific provisions of Ping An Fu and Ping An Liufu. In short, Ping An Lukfook can be regarded as an upgraded version of Ping Hui You Anfu, but it cannot be directly upgraded from Ping An Fu's policy to Ping An Lukfook.