What is included in Xinxiang main insurance, and what type of insurance is Anxin Bao

Xueba talks about insurance, focusing on insurance evaluation! How does Ping An's Xinxiang compare with other popular critical illness insurance? If you are interested, you can check out this comparison table"Comparison Table of 136 Popular Critical Illness Insurance in China".

Xinxiang's main insurance is both insurance, and the following is Xinxiang's complete product introduction:

Xinxiang is a critical illness insurance with dividends and refundable under Ping An Insurance, which is what everyone calls comprehensive insurance. But can it really do both? It's hard to say, and the reviews of this product on the Internet have also been boiling before.

So I've studied this product in detail before, and the details are hereIt is said on the Internet that Ping An Xinxiang is not good, is it true?

The article has been said in detail, so let's talk about it briefly.

First of all, let's talk about the advantages of Xinxiang.

1.There are flexible coverage periods:You can choose to cover for 20 years, 30 years, or up to age 55, 60 or 65.

2.High payout ratio:If you are diagnosed with a critical illness or unfortunately pass away, the amount of benefits you can get is 3 times the basic sum assured.

The advantages should be praised, and the disadvantages should also be pulled out and beaten! For example, these few:

1.Lack of coverage:Only critical illness is covered, and mild and moderate illnesses are not covered, which is much worse than some popular critical illness insurance.

2.Short payment period:20 years is the longest payment period, the leverage is not high, if you can have 30 years, it will be better.

3.Premiums are expensive:If a 30-year-old man invests in 100,000 yuan of insurance, he will be insured until he is 65 years old and will pay for 20 years, which will cost nearly 10,000 yuan a year.

However, those critical illness insurance without dividends may only be as long as 6000+, and you can even buy a higher sum insured.

4.Dividends are uncertain:It is said that dividends can be distributed, but the actual amount of dividends cannot be guaranteed, and it is very likely that there will be no dividends.

For ordinary wage earners, it is recommended to buy critical illness insurance with a simpler product form, so that the pressure to pay insurance premiums will be reduced, and the protection will be more complete, so it is important to shop around. I also helped my friend pick out some good critical illness insurance products before, you can also use them for reference".Top 10 Popular Critical Illness Insurance Points to Buy in 2020! Hope!

Xinxiang's main insurance is the value.

If you die before the age of 18, you will pay the premium + simple interest + dividends.

If you die after the age of 18, you will be paid 3 times the sum insured + dividends.

Double sum assured + bonus will also be generated at maturity.

Ping An customer, have you already purchased.

Anxin Bao is Ping An of China.

A long-term critical illness insurance launched.

Insurance. Anxin Bao divides the main insurance and additional insurance, additional Bi Noise Qin insurance to protect critical illness, additional insurance to protect critical illness, critical illness can also be paid in advance, only need to pay 20 years of insurance premiums, at the end of the insurance period, Ping An will return all the premiums paid to the main supplementary insurance. Anxin Bao only covers 45 kinds of critical illnesses, there is no mild illness protection, no exemption, if you do not buy accessory insurance, it is equivalent to keeping money in the bank, there is no protection, and you must match other additional insurance to consider buying this type of insurance to be comprehensive.

The role of insurance mainly includes the following points:

1. Provide necessary protection, insurance can provide protection for common accidents, health, death and other risk factors, 2. It can reduce risk losses and effectively resist risks;

3. Carry out risk planning, 4. Individuals or families can use insurance tools for life planning and transfer possible risks in advance;

5. Reasonable allocation of funds, insurance has a certain investment, and wealth inheritance can be carried out by designating beneficiaries, which is a tool for allocating funds;

6. With leverage, insurance can exchange a relatively small premium for a higher amount of insurance, which is leveraged and can enable the insured to obtain better protection.

The original meaning of "insurance" refers to the protection with stability and reliability, and later developed into a security mechanism, becoming one of the main tools for financial security planning in life, and is a market economy.

Conditional risk management.

It is an important pillar of the financial system and the social security system. The basic function of insurance is financial compensation.

and compensation payment, and derivative functions include investment and financial management.

and disaster prevention and loss prevention. Insurance refers to the commercial insurance behavior in which the policyholder pays insurance premiums to the insurer in accordance with the contract, and the insurer bears the responsibility of compensating for the property losses caused by the occurrence of the accident that may be regretted as agreed in the contract, or the insured bears the responsibility of paying the insurance money when the insured dies, is disabled, sick, or reaches the age and time limit agreed in the contract. The basic elements of insurance are the existence of a specific risk event, the combination of many economic units (the law of large numbers).

Reasonable calculation of rates, establishment of insurance**.

Anxin Bao is Ping An of China.

A long-term critical illness insurance launched.

Insurance, divided into main insurance and additional insurance.

The rider covers critical illness and the insured suffers from a critical illness after the rider is applied.

It can be paid in advance. Anxin Insurance mainly covers 45 types of critical illnesses, pays the basic sum assured, does not cover minor illnesses, and has no exemption. If you need to cover minor illnesses at the same time, it is recommended to use other insurance.

Consumers who have purchased Ping An Anxin Bao 18 insurance product plan need to be carried out by a medical institution designated or recognized by the insurance contract once the insurance is out of the insurance contract, and the consumer should pay attention to keeping the pre-clearance materials and certificates as claim application materials during the ** period. The main claim materials for critical illness insurance include insurance policies, valid identity documents, and claim applications.

The original copy of the medical certificate, examination materials, and other certificates and materials related to the confirmation of the nature and cause of the insured accident that the applicant can provide.

Ping An Xinxiang Insurance is a participatory long-term life insurance, and the insurance liability is as follows during the insurance period of the main insurance contract

1. Maturity survival insurance money: If the insured is still alive after the expiration of the insurance period, the insurance company will pay the maturity survival insurance benefit at 2 times of the basic insurance amount of the main insurance contract, and the main insurance will be terminated in Hezhou Yantong;

2. Death insurance benefit: If the insured dies before the policy anniversary of the 18th birthday, the insurance company will refund the insurance premium paid without interest, and the contract will be terminated; In the event of death after the age of 18, the death benefit shall be paid at 3 times the basic sum insured under the insurance contract.