Does Ping An Medical have medical insurance to return to principal?

Nope. Medical insurance is divided into ordinary hospitalization, accidental medical treatment, and critical illness, the first two are more common, the probability of insurance is high, and the cost is relatively low, so the insurance of this kind of protection generally does not return to the principal; Critical illness insurance has a probability, and no one will have it, but once there is, the loss is also larger, so the premium is high, but if Ping An is not out of insurance, it will be able to return the principal and preserve the value, such as: Ping An Xinxiang Insurance, the protection is three times, and the insurance amount is doubled if the insurance is not out of the agreed period.

Hello, Ping An Medical is a return to the cost of medical insurance, buy insurance according to their actual age, physical health, gender and other aspects of the comprehensive analysis and selection, only buy the right medical insurance is a good medical insurance, here to provide you with a reference link.

How to buy medical insurance for return to capital).

Buy a dividend-paying one, and then surrender the policy.

Medical insurance is consumption-based.

Mr. Zhang, 30 years old, saves 9 yuan a day, 1896 yuan a year, and saves for 20 years.

The benefits are as follows: 1. Accidental medical reimbursement: the part of the ** expenses above 100 yuan arising from the accident is reimbursed, with a limit of 10,000 yuan;

2. Reimbursement of hospitalization expenses: 80% of the expenses of hospitalization due to illness or accident will be reimbursed, with a limit of 6,000 yuan; The reimbursement limit for general surgery expenses is 3,000 yuan; The reimbursement limit for organ transplant surgery expenses is 20,000 yuan;

3. Daily subsidy for hospitalization: 100 yuan per day for hospitalization due to accident or illness, up to 180 days (9,000 yuan) per year;

4. Personal security: 20,000 yuan - 170,000 yuan (up to 260,000 yuan);

5. Accidental disability protection: 15,000-170,000 yuan (34 benefits at seven levels);

6. Dividends: 15,943 yuan for 60 years old; 70 years old, 33,452 yuan; 80 years old: 59,316 yuan;

7. Supplementary pension: If you do not receive critical illness pension by the age of 80, you can receive the cash value of the policy and the accumulated mid-range dividend at one time.

Whether Ping An Critical Illness Insurance refunds the premiums paid depends on the actual situation, such as:

1.If it is a consumer-based critical illness insurance, there is no return liability, and there is no return liability;

2.If Yu Ma Quarrel is a returnable critical illness insurance, it depends on when the insurance contract stipulates when it will be returned. For example, if a critical illness insurance has a maturity survival benefit, it means that if the insured survives safely until the end of the coverage period, the insurance company can return the insurance money, and can return the premium or sum insured that has been paid.

The specific situation is subject to the insurance contract.

Whether Ping An Critical Illness Insurance returns the principal or not needs to be differentiated into specific circumstances. If there is a full insurance liability, it can be returned after the expiration of the safety period. If there is no guarantee of both, there will be no return of principal. The specific product differences are as follows:

The products of pure critical illness critical illness insurance are:

1.Prosperity Privilege is a lifetime protection that covers 120 major illnesses, 40 minor illnesses, 6 times, 20 moderate illnesses, 15 high-cost specified illnesses and 120 major illnesses.

2.Shengshi Fuyouyue is also a lifetime guarantee. It covers 120 critical illnesses, 40 mild illnesses, 20 moderate illnesses and 8 high-cost specified illnesses. An additional 50% of the 120 major illnesses can be selected.

3. Yuxiangfu is a lifelong guarantee, covering 120 serious diseases, 40 mild diseases, and 20 moderate diseases.

4.Ping An Fu 21 Edition protects 120 serious diseases, 20 moderate diseases and 40 mild diseases, of which only 1 time is compensated for serious diseases and moderate diseases, and up to 6 times for mild diseases.

5.Children aged 0-17 are insured for children, and the benefits for light, medium and critical illnesses and special illnesses for children are the same as those for Youyue. However, Critical Illness Benefit, Child Special Disease Benefit, and Death Benefit can increase the amount of coverage.

Once the Minor Illness Benefit is increased by 10%, the Moderate Illness Benefit is increased by 20%.

Critical illness insurance with return coverage:

1.The score of 21 is mainly sickness protection and premium refund. The sickness benefit includes compensation for 120 major illnesses, an additional compensation of 50% for 20 moderate illnesses, and 6 times for 40 minor illnesses without grouping. The principal amount can be returned up to the age of 80.

2.Love out of 21 also has sickness coverage. It includes 150% of the premium in addition to basic mild, moderate and severe illness coverage.

3.Peace of mind is also a type of insurance that covers illness and returns premiums. Sickness coverage covers 100 critical illnesses, 20 moderate illnesses and 40 mild illnesses, as well as men's specific illnesses, women's specific illnesses and children's special illnesses.

After the expiration of the insurance period, 120% of the premium has been paid.

80 kinds of critical illnesses and 10 kinds of mild diseases have a surgical allowance of 10,000 yuan, and the premiums are repaid when due.

5.Forta 20 has sickness protection and premium refund, including 100 major illnesses and 60 minor illnesses, and the premiums are refunded during the safety period.

<> Ping An Insurance's critical illness insurance may not be able to get money back.

1.If it is a consumer-based critical illness insurance, there is no refund liability, and there is no return type;

2.For example, if the critical illness insurance has a maturity survival benefit, it means that if the insured survives safely until the expiration of the insurance period, the insurance company can return a sum of insurance money.

3. If the whole life critical illness insurance comes with death benefit, and the insured dies naturally, the insurance company will also pay the insurance money according to the insurance contract, and the premium will not be refunded after the sum insured.

4. If there is no death benefit and the insurance is attached, the insured will be paid in the manner agreed in the contract after the death of the insured, and the premium will be refunded at the agreed age.

5. If the critical illness insurance is attached to the universal insurance, the money entered into the universal account can be compounded and the interest increased, and the increased interest is equivalent to a return.

If the insured does not make a critical illness claim during the insurance period and is still alive when the insurance expires, the insurance company will refund the agreed proportion of the premium paid in a lump sum. Radical judgment.

There are still a lot of people who ask questions about medical insurance, here is a collection of the more popular medical insurance products in China, which one is worth buying which is cost-effective, and you can understand at a glance: what are the good medical insurance recommendations? An inventory of the top 20 best-selling high-quality medical insurance in 2020.

Medical insurance is all consumer-based insurance, and there is no return to capital. You may not know much about medical insurance, so let me give you a brief introduction.

It is recommended to give priority to the allocation of medical insurance before purchasing medical insurance. Medical insurance is the most basic protection, and it has a very prominent point: low insurance requirements and low price.

Commercial medical insurance is a supplement to medical insurance, which includes some items that are not covered by medical insurance, such as imported drugs, high-end ** fees, examination fees, etc.

There are many types of medical insurance, and the common ones are three types: million medical insurance, hospitalization medical insurance, and cancer prevention medical insurance.

Let's talk about the differences between these 3 in detail:

1. Million medical insurance.

Most people are suitable for millions of medical insurance, because it has a high reimbursement, but it is very low, and there is no limit on the reimbursement of diseases, a few hundred yuan a year can get millions of yuan of protection, which is very cost-effective. In addition, it also has a very comprehensive coverage, such as bed fees, nursing fees, surgery fees, drug costs, material costs, etc., which can be reimbursed.

The following is a selection of a few representative million medical insurance for comparative analysis:

We can understand from the picture.

1) Good medical insurance: This is a 6-year guaranteed renewal, which is the best one for renewal conditions at present. During these 6 years, the policy can be renewed unconditionally.

2) Exclusive e-life: Added postoperative home care, oncology special drug services, and increased the option of family sharing deductible.

3) Micro-medical insurance: Compared with the other two, this one adds the value-added service of international second diagnosis and treatment.

Through the above analysis, we can know that each product has its own characteristics, and we choose according to our own needs.

In addition to these products, there are also other products with high prices and more worthwhile purchases, you can click on the original article to view:

2. Hospitalization medical insurance.

Low deductibles and low sum insured are the main features of hospitalization medical insurance. This type of insurance is mainly used to reimburse outpatient clinics, and the suitable people are mainly young babies or older people. Because children's immunity is relatively low, and the elderly are weaker and more prone to colds and fevers, it may be more useful to buy this insurance.

3. Cancer prevention medical insurance.

At present, the vast majority of millions of medical insurance and hospitalization medical insurance on the market are insured at the age of 0-60 years old.

Cancer medical insurance is a health insurance specifically designed for cancer, and the health requirements of this insurance are not as strict as other medical insurance, and the insurance age is relatively wide. If you are an elderly person or someone with a small physical problem to buy medical insurance, it is more suitable to buy this one.

This kind of ** is greatly affected by physical fitness and age, here are some more worthwhile cancer medical insurance products, if you need it, you can take a look: what are the good medical insurance recommendations? An inventory of the top 20 best-selling high-quality medical insurance in 2020.

<> implement the general accounting standards for business enterprises.

Debit: Profit and loss adjustments for prior years.

Credit: Employee Remuneration Payable - Employee Provident Fund (Unit Part).

Debit: Profit distribution - undistributed profit.

Credit: Prior Year Profit and Loss Adjustment.

Borrow: Employee Remuneration Payable - Employee Provident Fund (Unit Part).

Borrow: Other Receivables Other Payables - Employee Provident Fund (Personal Part) Credit: Bank Deposits.

Implement the Small Business Accounting Standards.

Debit: Profit distribution - undistributed profit.

Credit: Salary Payable for Employees - Employee Provident Fund (Unit Portion) Borrow: Employee Compensation Payable - Employee Provident Fund (Unit Portion).

Borrow: Other Receivables Other Payables - Employee Provident Fund (Personal Part) Loans: Bank Deposits.

The taxable income shall be reduced at the time of final settlement.

How to make up the medical insurance for retired employees.

Supplementary payment of medical insurance for retired employees:

1) Certificates and materials to be provided:

1. Insured personnel who enjoy the retirement benefits of enterprise employees shall provide retirement certificates;

2. The industry co-ordination retirees shall provide the original and photocopy of the "Employee Retirement and Retirement Approval Form" and the "Approval Form for the Deemed Payment Period of Employees' Continuous Service Age";

3. Insured personnel who enjoy the retirement benefits of civil servants and employees of public institutions shall provide the original and photocopy of the "Retiree Registration Form" or the "Pension Audit Form for Retirees";

4. The original ID card of the insured person.

2) Handling process:

1. The insured submits the application materials to the retirement medical insurance supplementary payment window;

2. The staff will review the application materials;

3. If the conditions are met and the materials are complete, they will be entered into the business liquid system after acceptance;

4. After the completion of the process, the "Notice of One-time Supplementary Payment of Basic Medical Insurance for Urban Employees" will be fed back to the applicant, and the applicant will be informed to go through the relevant procedures and pay the fee at the window of the Social Security DepartmentIn our above article, we learned about the accounting treatment that enterprises need to carry out when paying social insurance, as well as the accounting treatment that employees need to carry out when they supplement the payment of social insurance, and more about the daily accounting of enterprises, please continue to ****** updated articles.