I m 30 years old and want to buy a Ping An Fu, do you think, is this insurance good?

The protection of Ping An Fu is quite comprehensive, but it is less cost-effective.

If you pass a good combination of products in the market, you can not only enjoy more comprehensive protection, but also the premium will be about 30% or 40% cheaper.

As a leading enterprise in China's life insurance industry, Ping An Life has always been at the forefront of product innovation by virtue of its good corporate governance and strong strength. After "Ping An Fu 2014" was well received by the market, Ping An Life launched the "Ping An Fu" 2015 upgrade product to achieve a new breakthrough in protection products. On the basis of maintaining the original critical illness, mild critical illness, traffic accident, death, disability, premium waiver and other insurance liabilities, the product is upgraded again to add more protection, not only allowing you to enjoy cost-effective products under the premise of the same insurance liability, but also to obtain a comprehensive upgrade of protection, which is a wise choice for your life insurance protection!

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

Hello! Ping An Fu is composed of main insurance, whole life insurance, 1 additional critical illness insurance + n optional supplementary insurance. One of the Whole Life Critical Illness Insurances:

Covers 100 critical illnesses and 30 minor illnesses, with a waiting period of 90 days, and long-term accident medical insurance and hospitalization allowance can also be added. In general, Ping An Fu's performance is average, and children's Ping An Fu is also not recommended to buy Ping An Fu.

If you want to know what products are worth buying, you can click to make an appointment for 1-to-1 insurance planning services, and the insurance brokers will provide you with professional advice, or you can scan the following *** for consultation.

Ping An Life's products are too expensive is a common problem, and Ping An Life's optional additional insurances are more expensive, such as long-term accident insurance, which is very unworthy;

Secondly, the product is a single critical illness claim, lacking severe Kawasaki disease, the proportion of compensation for mild illness is only 20%, and there is no compensation for moderate illness, and the compensation strength is relatively weak;

Thirdly, the coverage for mild illness is not comprehensive, and it will not be compensated for atypical myocardial infarction, minor stroke, and coronary intervention. Early malignant lesions, carcinoma in situ, ** cancer, collectively referred to as extremely early malignant tumors or malignant lesions, Ping An Fu split 1 disease into 3 kinds in order to make up the number. 14 of the 15 special diseases are not in the critical illness, so they can only pay the sum insured, not double the sum insured.

Finally, Ping An Fook has a very low cash value and slow growth during the premium payment period, which means that if you want to surrender the policy, then the loss will be large and the premium returned will be very small.

Of course, there are also advantages, such as:

1. Increase the amount of mild symptoms.

If you have a mild illness before the age of 70, the sum insured of critical illness insurance will also increase by 20% for each claim, up to a maximum of 60%.

2. Exercise increase.

3. High brand awareness.

With any insurance product, it doesn't matter whether it's good or bad.

The starting point of the customer's consideration is the present, but insurance is bought for the future, so some issues need to be abstract and long-term consideration.

Customers mainly consider their own needs, which is very important, the mass insurance consumption, seems to be correct, in fact, it is a mistake in itself, insurance itself, is the avoidance of future risks and the expectation of future life, really belongs to the private customized model, clear their own needs rather than blindly following the herd, it is really important, can avoid a lot of misunderstandings.

It is also necessary to clarify your own consumption level, that is, the reality of the premium, which is the decisive factor.

It doesn't matter whether the product is good or bad, because it is the same for all customers, the main thing is how the product is planned, and the future interests of customers can be relatively optimal, which is the key.

For insurance products, in addition to the product itself, customers also need to consider the integrity and professional factors of the insurance company, as well as the size and scale of the insurance company.

It's not cheap for no reason, it's not expensive for no reason, the market is fair. It's just that, sometimes, customers don't understand clearly, thinking that they have found a cheap or suffered a loss, in fact, it is simpler and the most important thing is to recognize the truth.

Choosing what suits you is the right choice.

Insurance, the first focus on protection, as for the rest, are secondary, if the former can not meet the protection interests, any other interests are empty talk, the customer pursuit of income or return to the capital, are their own trouble.

It is recommended to inspect the first person, investigate the form of insurance, rational cognition, and then make a choice.

Hello, Ping An Fu Insurance is a whole life insurance, in its additional insurance, covering death, 30 critical illnesses, common accidents, public transportation accidents, self-driving accidents, 281 disability, premium waiver and other liabilities of comprehensive protection. In view of the characteristics of middle-class people who often travel, Ping An Fu provides double compensation for accidents caused by self-driving cars and public transportation; At the same time, the accident protection is extended to the age of 70, avoiding the problem of short coverage period of general accident insurance.

In addition, Ping An Fu also provides insurance premium exemption for the insured and the insured. Whether the insurance is good or not still needs to be selected according to your specific situation, you can filter according to your age, occupation, and the expected sum insured, coverage and other conditions.

Hope it helps.

Very good! Our family is Ping An Fu, because a colleague bought a certain Hua's insurance and Ping An Fu, a certain Hua did not pay, and Ping An Fu paid 200,000 yuan! Comprehensive and cost-effective!

Low cost performance, no advantages.

Not bad, Ping An Fu Insurance is a whole life insurance, in its additional insurance, covering death, 30 critical illnesses, ordinary accidents, public transportation accidents, self-driving accidents, 281 disability, premium waiver and other comprehensive protection.

Insurance means that the policyholder pays the insurance premium to the insurer according to the contract, and the insurer bears the responsibility of compensating the insurance money for the property damage caused by the possible accident as agreed in the contract.

Insurance is usually used to concentrate insurance premiums to establish insurance**, which is used to compensate the insured for losses caused by natural disasters or accidents, or to bear the responsibility of paying insurance benefits to individuals due to death, disability, illness or when they reach the age period agreed in the contract.

The principle of loss compensation is that the insurer must compensate the beneficiary according to the scope of insurance liability when the insured event occurs and causes the insured object to suffer losses. It means that the insurer compensates for the losses caused by the agreed insured event, and the beneficiary cannot receive additional benefits due to the payment of the insurance money.

Generally speaking, property insurance follows this principle, but because the value of human life and body is difficult to estimate, this principle does not apply to life insurance, but some scholars believe that the medical expenses of health insurance should also be followed, otherwise there is a suspicion of unjust enrichment.

Very good, low contribution and high sum insured.

There is a lot of coverage, but there is no additional for hospitalization and daily allowance. But it's pretty comprehensive.

The next thing to consider is what your annual income is, about 6-7,000 yuan per year, plus 6-7,000 yuan for social security and other contributions of about 10,000 yuan, so you don't have any pressure.

Problems to be paid attention to when buying Ping An Fu insurance: whether the amount of life insurance is sufficient; Whether the critical illness benefit is 5 to 10 times your annual income; Long-term accident coverage is not 10 to 20 times your annual income; There are no additional insurances such as hospitalization reimbursement, accidental medical treatment, hospitalization daily allowance, etc.

1. The critical illness benefit amount is high, and the critical illness benefit will be paid immediately after diagnosis.

Critical illness not only incurs high medical costs, but also causes business interruption due to a long period of time, affecting the economy. Ping An Fu Plan pays 100% of the basic sum insured upon diagnosis of critical illness, which can easily solve the critical illness benefit agreed in the contract for you and compensate for the loss of income.

2. Self-driving accident protection is doubled, and the protection period is longer.

According to the characteristics of middle-class self-driving travel, Ping An Fu Plan tailors the insurance liability, providing double the sum insured for accidental injuries while driving or riding in a non-operating private car or public transportation, covering a full range of coverage. What's more humane is to extend the accident insurance liability to the age of 70, so that customers can enjoy protection for a longer time.

3. Expand the scope of accidental disability protection to 281 items, providing more comprehensive care.

For exclusive customers, the Ping An Fu Plan has expanded the assessment criteria for accidental disability from 34 to 281 for the first time, providing multi-level and multi-faceted protection to make care more comprehensive.

4. Stable guarantee for life, determine the benefits and resist risks.

Ping An Welfare Plan provides you with lifelong primary insurance and critical illness protection, and fights against uncertain risks with certain insurance benefits, so as to provide long-term stability and care for this life.

5. Exemption from protection shows care, peace of mind and peace of mind to enjoy the future.

Ping An Fu Plan also provides the policyholder with a premium waiver: when the policyholder dies or has a disability or critical illness agreed in the contract after the waiting period, the policyholder can be exempted from paying the remaining premiums during the waiver insurance period, ensuring that the contract is valid and the love and responsibility continue for a long time.

Buying insurance for children can make parents worry less and have more peace of mind, so that their children's growth path will be smoother and more stable. Talk about it.