What do you think of this product?

I read the terms of Ping An Fuxing, and I think it's pretty good, and I just applied for insurance last week. Ping An Fuxing can freely match a variety of additional insurance according to its own needs, covering many types of critical illnesses, 120 kinds of big Fuxing, 134 kinds of small Fuxing, and Xiaofuxing also has 6 months of escort money to compensate for the loss of income during the care of parents, which is a cost-effective insurance.

Dafuxing is a critical illness insurance product that Ping An is currently re-promoting, there are so many domestic critical illness insurance, and it is simply empty to judge whether it is good or not, so it is better to understand the ranking of this product in domestic critical illness insurance"Ping An Dafuxing ranks among the 136 popular critical illness insurance in China".

The following is an introduction to who this product is suitable for to buy and what the content of the guarantee is (see the figure below).

This product is insured for ages 18-55 and can be purchased. However, the content of the product is indeed worth analyzing:

Pros:

1. Flexible guarantee. You can add benefits for cardiovascular and cerebrovascular, liver and kidney diseases, etc.

2. High brand awareness. As one of the world's top 500 companies, Ping An's solvency and service rating are still obvious to all.

Cons:

1. Insufficient basic protection: The compensation ratio for minor illnesses is low, and many critical illness insurance companies on the market have a compensation ratio of 25%-30% for minor illnesses, while Dafuxing only pays 20%, and it does not cover moderate illness protection.

2. Long interval between secondary claims for cancer: Only if you suffer from cancer for the first time can you get the second cancer benefit, which means that if the first critical illness is not cancer, Dafuxing will not provide secondary protection for cancer; And the interval is up to five years.

Regarding the shortcomings of this product, I will not go into detail about them one by one due to space limitations, and those unknown vulnerabilities, you can read the review article I wrote about this product"It's said on the Internet that Ping An Dafuxing is not good, is it true? 》

Having said all this, you must have a general understanding of this product, and if you really have a demand for critical illness insurance products, it is recommended that you compare multiple items. I stayed up late a while ago to sort out a critical illness insurance ranking, the code words are not easy, it is recommended to collect"."Top 10 Popular Critical Illness Insurance Points Worth Buying! 》

Ping An Dafuxing Insurance is an insurance product under Ping An Life, and the main insurance is life insurance, with additional critical illness insurance. Dafuxing Insurance Daddy has previously evaluated on the Princess Account, which is mainly for adults, covering 120 kinds of critical illness and death liability, and mild illness protection needs to be added, and various other benefits can be flexibly added. Next, let Daddy analyze it in detail:

According to the above figure, it can be seen that the protection of Dafuxing Insurance is:

1.Critical Illness Benefit:Covers 120 critical illnesses and pays 1 time, which is relatively simple.

2.Mild Illness Benefit (with additional):

Dafu Star Insurance for 10 mild diseases, 3 times of compensation, 20% of the sum insured each time. At present, most critical illness insurance has dozens of mild illness benefits, and the payout is basically more than 30%. Maybe the type of coverage and the amount of benefits are not the key, the key is the coverage of minor illnesses:

As can be seen from the figure, Dafuxing Insurance covers several mild diseases with high incidence, even if it only covers 10 mild diseases, but the coverage is quite perfect.

The mild illness benefit of Dafuxing Insurance can be determined by personal needs and budget, and whether it needs to be added. If the budget is sufficient, it is recommended to add to the Fortune Star Minor Illness Benefit.

3.Other benefits

Comparative conclusion:

Dafuxing Insurance is decent in the above comparison products, and there are some gaps between mild illness protection and other insurances, but the premium is lower than that of Ping An Fu, which is suitable for people with insufficient budget and who like big brands.

1.If the budget is insufficient:Among the products compared with the several products compared, the protection is relatively complete, the premium is about 30% lower, and the offline outlets of Sunshine Insurance are also well covered.

2.If you need full coverage:Tianan Health Source 2019 Enhanced Critical Illness can be paid 6 times, and Cancer can be paid 3 times, but the conditions for cancer compensation are a little stricter, but Health Source 2019 Enhanced Protection includes multiple claims for critical illness, mild illness and moderate illness, and the premium is not high.

Although Dafuxing Insurance needs to be supplemented for mild illnesses, and only 10 kinds of mild illnesses are covered, it is better because the coverage of high-incidence mild illnesses is quite perfect; Other benefits can also be selected according to your needs, which is more flexible.

Xueba talks about insurance, focusing on insurance evaluation! How does Big and Small Fortune Star compare with other popular critical illness insurance, and is it worth buying? You can refer to this articleWhat is the difference between Big and Small Lucky Stars and other popular critical illness insurance? 》

The details can be learned in the article, so let's briefly summarize it here.

Let's briefly introduce the advantages.

2.Xiaofuxing contains 15 kinds of protection for children's specific critical illnesses, and you can also choose the add-on of "children's specific companion money", that is, when children suffer from specific critical illnesses, they can receive children's specific companion money once a month, for a total of 6 months, and the corresponding premium is less, but the protection will be greatly improved.

The advantages are said and the disadvantages are about to come out.

1.The coverage is not complete

Although the number of critical illness protection diseases is very high, it is actually of little significance, it will only make **more expensive, **relatively more expensive, but the protection has not kept up, only 10 kinds of mild diseases are covered, of which only 6 are high-incidence mild diseases, and the common high-incidence mild diseases are not within the scope of mild illness protection, such as heart valve interventional surgery, severe visual impairment, small-scale burns and chronic renal failure, which are not among them, and there is no moderate illness protection for large and small Fuxing.

2.The multiple-payout rule for chicken ribs

However, it should be noted that the first time you suffer from cancer, you can only get a second cancer benefit after an interval of 5 years, and if you suffer from a critical illness for the first time and not cancer, you will not be provided with a second cancer benefit. It's ......Generally speaking, after 5 years, the rate of cancer has been greatly reduced, and it is rare to use the second payment.

The above is just a few simple evaluations of the big and small lucky stars, so how does it compare with the best-selling similar products on the market? If we don't buy big and small lucky stars, what other products can we buy with relevant guarantees? Friends who don't know how to choose can take a look at this"Top 10 Popular Critical Illness Insurance Points Worth Buying!

Refer to it.

That's all for me"How is the protection of Ping An Dafuxing Insurance? Who is it suitable for? "

Hello, Chinese Insurance answers for you!

Taking a 30-year-old man as an example, if you pay for 20 years, you will have 310,000 yuan for life insurance, 300,000 yuan for critical illness, 60,000 yuan for mild illness, 300,000 yuan for accidents (insured until 70 years old), and 300,000 yuan for tumors, plus exemptions, with a total annual premium of 11,971 yuan. The basic protection responsibilities are as follows:

p Anta Fuxing Insurance Liability.

The specific configuration also needs to be scientifically configured according to your security needs and payment budget, and the above is just an example.

Dafuxing is a traditional type of critical illness insurance with simple responsibilities and high sum insured with low premiums.

It is suitable for a wide range of people.

When planning specifically, you should apply for insurance according to your own situation.

Consult your own ** person in detail and read the corresponding plan carefully.

You should choose the insurance of a large company, but be careful of the salesman's tricks, otherwise it will bring more trouble!

Insurance is all about the occurrence of contractual matters.

Claim the corresponding insurance benefits.

Look at the terms of the insurance contract.

Because I haven't bought Ping An Dafuxing, what is it? You'll have to ask your friends who have bought it to know if it's worth it.

Dafuxing is a combination of main insurance for whole life insurance, which can be attached to critical illness and mild illness protection, and the payment deadline is up to 30 years, which is very good to improve the leverage, and can relieve the economic work pressure of the insured to a very large extent.

Although Ping An Dafuxing has inherited the way of Ping An Critical Illness Insurance, it has improved in terms of protection content, so it is still very good overall.

Ping An Little Fortune Star is a children's critical illness insurance, which is one of Ping An's main critical illness insurances. The main insurance is whole life insurance, with critical illness insurance, and can also be supplemented with protection for mild illness, leukemia, juvenile tumors, cardiovascular and cerebrovascular, liver and kidney diseases, etc., which can be selected according to needs and is more flexible.

In this way, Xiaofuxing 20 is still quite reliable, and it is also a product of a large company like Ping An of China.

"Big and Small Lucky Stars Delisting Storm is coming, listen to my advice, you need to be cautious when you start! 》

Let's sort out the basic situation of Xiaofuxing in the picture above:

1. Critical illness benefit

In terms of critical illness protection, Xiaofuxing is decent, and there are no bright spots. Covers 120 illnesses and pays 100% of the basic sum assured.

2. Moderate illness protection

Xiaofuxing does not have moderate illness protection, which is quite a pity for a critical illness insurance. To be honest, critical illness insurance without moderate illness protection is very unrecommended to buy, because the occurrence of critical illness often has to go through the moderate illness stage, and if there is no moderate illness protection, the possibility of getting a claim is greatly reduced.

At present, the general critical illness insurance on the market includes moderate illness protection, such as ComviBao has also launched pre-illness protection.

3. Mild illness protection

The minor illness benefit of Little Lucky Star is optional, and the default payout is 20% of the sum insured. But this mild illness benefit is really not boastful, because it only covers 10 diseases, and now the critical illness insurance and mild illness cover more than 50 kinds.

At first glance, Xiaofuxing seems to be okay, but after taking a closer look at its basic protection, I feel that the protection of this product is still not comprehensive, not only lacks the protection of moderate diseases, but also the protection of mild diseases is not enough.

If you're considering children's critical illness insurance, you might want to take a look at these:

"Top 10 Cost-effective Children's Critical Illness Insurance in 2020".

Xueba said the official website of insurance

Xiaofuxing is a "life insurance + critical illness insurance" combination product launched by Ping An LifeIt has been popular with many people for a year and has achieved a lot of results, but Ping An announced that Xiaofuxing will be delisted on August 1, and many people are in a hurry to get on the bus. Is that little lucky star worth buying? Are there any pits?

Let's take a look at whether it is competitive in the domestic popular critical illness insurance market: a comparison table between Xiaofuxing and the country's popular 135 critical illness insurance for minors

Not much to say, let's first send the product form diagram of Ping An Xiaofuxing:

Xiaofuxing is a combination of "life insurance + critical illness insurance" with "1 critical illness claim, 1 special illness compensation for children, death benefit, mild illness protection, illness companion insurance benefit, malignant tumor secondary compensation, exemption from liability, etc.]. Although it is about to be delisted, don't start in a hurry, Xiaofuxing may not be as simple as you think: Xiaofuxing is delisted The storm is coming, listen to my advice, you need to be cautious when you start!

Pros:

1. Flexible protection: covering death, critical illness, children's special illness protection, mild illness benefit, sickness companion payment, exemption liability, etc., are all available, and the protection flexibility is high.

2. High brand awareness: Ping An is a household name in China, with a large team of people and many branch service agencies.

Cons:

1. Lack of moderate illness protection: Most critical illness insurance on the market now has moderate illness protection, but Xiaofuxing does not, which is slightly behind.

2. Insufficient protection for mild illnesses: There are only 10 types of mild diseases, while the types of mild diseases of critical illness insurance on the market are generally 25-40.

3. It is not practical to pay for cancer twice: medically it is believed that the probability of cancer metastasizing within 3 years accounts for about 80%, and all kinds of cancer can be regarded as cured as long as it is not ** within 5 years. The interval between the second claim for cancer is 5 years, and compared with the critical illness insurance on the market with an interval of 3 years, the setting of this interval is obviously not sincere.

4. Expensive premiums: Ping An's products have always been famous for being "expensive", 0-year-old baby boy insured 500,000 small lucky stars, guaranteed for life, paid for 20 years, in the case of only basic protection, no other optional responsibilities, the premium is nearly 6,000 yuan, if the additional insurance is bought, the premium will only be higher!

On the whole, Ping An Xiaofuxing not only has insufficient protection, but also has expensive premiums and is not cost-effective, so it is only suitable for groups that pursue Ping An brand and have sufficient budgets.

If you have a limited budget and pursue cost-effectiveness, it is recommended to choose other similar products with more comprehensive protection and higher cost performance, here are ten cost-effective critical illness insurance for your reference: Top 10 popular critical illness insurance points worth buying in 2020!

If you're ready to buy this product, check out this article"Big and Small Lucky Stars Delisting Storm is coming, listen to my advice, you need to be cautious when you start! 》Let's see if it's worth buying.

Next, let's focus on the advantages and disadvantages of this product, see the picture below:

Advantages: 1. Flexible additional options: children's specific escort money, 3 times compensation for mild illness, etc., can be selected according to their own needs, and can be flexibly matched.

2. Outstanding brand advantage: As a Fortune 500 company, Ping An Life's solvency and service capabilities are obvious to all.

Disadvantages: 1. The protection is not complete enough: the default 20% mild illness compensation ratio, although you can adjust it yourself, but you have to add money, in addition, many critical illness insurance on the market default mild illness compensation ratio is 30%-35%, a comparison of small Fuxing 20 seems very general, and does not cover the medium illness protection.

There is a comparison and a gap, you can compare it with the popular critical illness insurance in China:"Comparison Table of Xiaofuxing 20 and 135 Popular Critical Illness Insurances in China".

2. The second compensation for cancer is greasy: only if you suffer from cancer for the first time, you can get the second cancer payment, which means that if the first critical illness is not cancer, Xiaofuxing will not provide secondary protection for cancer; And the interval is as long as five years, and 5 years just avoids the high-frequency metastasis of cancer, which is not very friendly to the policyholder.

After reading the protection content of this product, you will find that the protection content is not comprehensive, if you really have a demand for critical illness insurance products, you should still consider carefully and compare in many aspects:"Top 10 Cost-effective Children's Critical Illness Insurance in 2020".