Is Ping An Insurance Smart Star Worry Free Medical the same as Worry Free Accident Medical?

Hello, it's different, Wuyou Medical Care is in charge of ordinary inpatient medical care, while worry-free accident medical care is in charge of accidental inpatient medical care.

Summary. The additional Worry-Free Accidental Injury Medical A is an accident insurance purchased without social security status. The amount of coverage for each copy is $10,000. Each copy can be compensated up to 10,000 yuan per year for medical expenses caused by accidents.

Hello, you're talking about Ping An Insurance Company's Smart Star Plus Worry-Free Accidental Injury Medical A Medical Insurance.

This is for the reimbursement of the actual expenses within 180 days, and the expenses exceeding 100 yuan.

The additional Worry-Free Accidental Injury Medical A is an accident insurance purchased without social security status. The amount of coverage for each copy is $10,000. Each copy can be compensated up to 10,000 yuan per year for medical expenses caused by accidents.

I hope my answer can help you, and I wish you a happy life Of course, if you have other questions, you can ask me, and I will answer them for you as soon as possible

Summary. Hello dear! Now for you to answer what is included in Ping An Smart Star Accident Medical:

Ping An Smart Star Accident Insurance mainly includes these three types of coverage: accidental disability, accidental death and traffic accident disability or death, and there is no protection liability for accidental medical treatment.

Hello! Now I will answer for you what is included in Ping An Zhi's quiet troubled Nengxing Accident Medical: "Ping An Smart Star Accident Insurance mainly includes these three protection contents: accidental disability, accidental death and traffic accident disability or death, and there is no accident Qichang cover medical protection responsibility, Ping An Smart Star will change accidental medical treatment to medical insurance.

Ping An Accident Medical Insurance covers the coverage of 1. Accidental injury of the insured. If the insured suffers from an accident that causes him or her to become blind, disabled or burned, the accidental medical insurance will pay according to the insurance contract. 2. The medical expenses incurred by the insured due to accidents.

These medical expenses include doctors' diagnosis, prescriptions, surgery fees, ambulance fees, hospitalization fees, examinations, nursing, medical supplies and other medical expenses incurred for injuries caused by accidents. 3. Hospitalization expenses. If the insured needs to be hospitalized due to an accident caused by an accident**, the accidental medical insurance will pay for the hospitalization expenses.

4. Compensation for surgical expenses. Different accident insurance has different insurance terms, and some accident medical insurance can only compensate for medical expenses caused by accidents. Accidental medical insurance can compensate for hospitalization caused by illness.

Ping An i Worry-Free Medical Insurance is a cancer prevention medical insurance launched by Ping An Insurance of China, which has the advantage of being more relaxed in health notice, which is very suitable for people with health problems and need cancer protection. The insurance strategy for cancer insurance is here "Buying cancer insurance like this, the most careful, don't forget to pay attention to these points".

1.Principles of insurance

Ping An i Worry-Free Cancer Prevention Medical Insurance is available for 51-70 years old, with relaxed renewal conditions, up to 99 years old, and no occupational restrictions, which is very friendly to people engaged in high-risk occupations.

2.Coverage

Ping An i Worry-Free Cancer Medical Insurance covers cancer, and can reimburse up to 2 million cancer** expenses (also for carcinoma-in-situ), and inpatient and special outpatient expenses are also within this range.

3.Reimbursement ratio

Ping An i Worry-Free Cancer Prevention Medical Insurance is a reimbursement insurance, there are three deductibles to choose from, namely 0 deductible, 10,000 deductible and 30,000 deductible, its reimbursement rules are that 100% can be reimbursed by social security, and only 60% can be reimbursed without social security.

1. Advantages:

1) Loose insurance requirements.

2) Good renewal conditions.

3) Comprehensive protection.

2. Disadvantages

1) The minimum age requirement is too high.

2) No proton heavy ion** service.

Through the above analysis, we can understand that the cost performance of Ping An i Worry-Free Medical Insurance is still good, although there are some flaws, but it cannot cover up the highlights such as no restrictions on occupations and relaxed health requirements. In general, this product is more suitable for middle-aged and elderly people with cancer protection needs.

This plan can reimburse outpatient hospitalization** expenses, but there is a cap. It is advisable to purchase a million medical insurance plan to supplement it to reimburse large ** expenses.

Nowadays, the speed of insurance reimbursement is relatively fast, and there is a certain amount of protection that is not very good.

Xueba talks about insurance, focusing on insurance evaluation! How about Smart Star? Let's take a look at how it compares to other popular 135 popular critical illness insurances"Comparison Table between Smart Star and 135 Popular Critical Illness Insurance".

Smart Star is familiar to everyone, it is a universal insurance promoted by Ping An, which not only has the protection of critical illness and accidental medical treatment, but also has the function of financial management, is it very exciting, is it really so? Let's start with the conclusion: Smart Star is not suitable for children!

It seems to be very comprehensive, but in fact there are a lot of pits, because there is too much content, just look at the original product articleHow about Ping An Smart Star? What's the pit? 》Don't rush to buy just by looking at the advertisement, and make a decision after reading the professional analysis:

We know that Smart Star is a product that takes into account financial management + protection, so let's talk about these two aspects respectively, first follow me to take a look at financial management, focusing on universal accounts:

The initial expense deduction ratio is too high, and we have to deduct a lot of initial fees and protection costs from the money we pay every year before entering the universal account to make money, and Smart Star deducts 50% of the premium in the first year;

The guaranteed interest rate of the universal account is too low, only other products in the industry can reach 3%;

Next, let's take a look at the content of the guarantee:

Disease protection: There are few types of critical illnesses, only 45 kinds, moderate and mild diseases are missing, and children with high incidence of critical illnesses are not covered, which is really average;

Death benefit: Life insurance is paid for the financial support of the family, and it does not make much sense for children to buy life insurance;

Accidental medical treatment: 100,000 insured amounts, 20,000 accidental medical treatment will cost 330 yuan a year, and the same insurance content, only 140 yuan to buy a comprehensive accident insurance alone.

Due to the fact that there is too much content, here is just a list of key points, and the details can be seen in the article above.

This kind of product that has both protection and financial management just avoids the psychology of consumers who are afraid of trouble, but you will know that this kind of product, as an insurance, has little protection effect; As an investment product, its returns are also not dominant.

You should know that protection and financial management cannot be both, so it is recommended to buy critical illness insurance for children separately. Here are 10 popular critical illness insurance policies that are worth your reference"Ten Cost-effective Children's Critical Illness Insurance".

That's all for me"Whether the smart star launched by Ping An Insurance is reliable"

Of course, Smart Star Insurance is reliable, he not only has dividends, he can also insure diseases, he is a lucky star for children.

Smart Star is a comprehensive insurance specially designed for children and education savings, personal protection, critical illness protection and accident and illness comprehensive care for children's growth.

Hello, the insurance is reliable, I recommend Chinese life products.

As long as the terms and conditions indicate that any of the products are reliable, the important thing is whether it is suitable for you?

Of course. It used to be called the Wisdom Star.

Coverage plus education insurance, suitable for children.

Love to grow, ABC Life's love for children, six layers of protection.

1. What is Ping An Insurance's Smart Star?

Ping An Smart Star Growth Guardian Insurance Plan is a one-stop solution to children's education, health, marriage, pension and other issues. The child's growth path is safeguarded by "stars".

2. Advantages and disadvantages of Ping An Smart Star.

1) Advantages of Ping An Insurance Smart Star:

1. Education reserves, flexible collection.

A good education is a booster for a child's bright future, and Ping An Smart Star can help establish an education fund plan with safe funds, stable value-added and the ability to independently decide when and how much to receive.

2. Flexible collection, which can cope with the expenses of education, entrepreneurship and marriage leave.

You can flexibly receive the policy account value according to your needs, which can be used as education funds, and can also be used for entrepreneurial and wedding expenses. The policy account is calculated on a daily basis and settled monthly, with an expected annualized interest rate for the lowest year, so that funds are safe and worry-free, and wealth grows steadily.

3. The scope of multiple guarantees is wide, and the amount of protection is adjusted independently.

Covering multiple benefits such as death, critical illness and accident, with up to 45 types of critical illnesses, the death and critical illness benefits can be flexibly adjusted according to the risks at different stages of life.

4. In the event of an insured accident agreed in the contract, the premium will be waived.

If the policyholder and the insured have an insured accident agreed in the contract, they can be exempted from paying the insurance premium for the remaining periods during the exemption insurance period, which not only protects the personal risk of the child, but also protects the ability of the adult to pay.

2) The disadvantages of Ping An Insurance Smart Star.

It is believed that Smart Star is a more comprehensive product, with protection and financial management, and can also be used for pension, with flexible access and access. However, it is also because of this that there is everything, so everything is relatively low, and the protection is lower than that of pure protection products, and the expected annualized return cannot catch up with the financial management type, and the later protection cost is very high. Of course, different products are suitable for different families, and specific problems need to be analyzed.

Insurance is good, as long as you buy the right insurance for yourself is the best protection.

Hello, do you pay attention to financial management or security?