In addition to Ping An Fu, what other protection insurance is recommended?

The protection type is safe and well-fed, and there are subsidies for critical illness, accidents, and hospitalization. It depends on what you need.

Insurance companies are reliable, all are managed by the CIRC, and you can buy with confidence.

Hello, there are more than 3,000 similar types of insurance on the market, and there is always one for you.

As the "star product" of Ping An Life, Ping An Fu has indeed attracted the attention of consumers, and many people have heard of or learned about critical illness insurance, which also started with Ping An Fu of Ping An Insurance.

But is Ping An Fu really worth buying? Not necessarily.

Compared with the same series of critical illness insurance, Ping An Fu is indeed not enough, and the cost performance is not high overall. Let's take a look at the same series of high-quality critical illness insurance first, and only by comparing can we know whether Ping An Fu is worth it"Top 10 Popular Critical Illness Insurance Points Worth Buying! 》

After three versions of Ping An Fu upgraded, we will take the latest version of Ping An Fu 2020 after the upgrade to do a specific analysis

On the whole, its protection responsibility is still a bit cautious and conservative, and the form of protection is a single claim for critical illness + 3 claims for mild illness, and it is about to become the standard protection for critical illness insurance, and the new version of Ping An Fu is still not considered to be added to the protection content.

Ping An Fu 20 is an upgraded product of Ping An Fu series, although it is an improvement over the previous products, but compared with similar products, the gap is still relatively large.

(1) ** aspectComparing Ping An Fu with other critical illness insurance, you will find that Ping An Fu ** is more expensive.

(2) Guarantees

>> Minor illness coverageThe compensation ratio for minor illnesses is only 20%, and now the compensation ratio of critical illness insurance for minor illnesses starts at 30%, and some can reach 45%, in contrast, the mild illness guarantee of Ping An Fu 20 is relatively weak.

>> Critical Illness ProtectionIf the first critical illness is not cancer, you will not be able to receive multiple claims for cancer in the future.

It should be clear that the multiple claims for cancer have become more and more mature, and most of the critical illness products in the market have multiple claims for cancer with an interval of 3 years.

Whether it is from the interval or the sincerity of the guarantee, Ping An Fu 20 needs to be improved.

Generally speaking, Ping An Fu 20 is not the best product to start with, here is a direct list of cost-effective, protective and comprehensive critical illness insurance on the market, after all, the premium of critical illness insurance is not cheap, you must know more about critical illness insurance before starting"Top 10 Cheap and Good Price Critical Illness Insurance! 》

Summary. Hello dear! Ping An Insurance: Ping An Fu is a life insurance.

Whole life insurance means that the death of the insured is used as a condition for payment, and the protection is lifelong, that is, after the policy takes effect, no matter when the policy dies, the beneficiary agreed at the time of signing the contract can get the insurance money paid by the insurance company. Because Ping An Fu is a whole life insurance, after the conclusion of the insurance contract, the insurer should pay the insurance money whenever the insured dies. As long as the insured pays the premium on time, the insurer has no right to refuse to renew the policy.

According to the different ways of paying premiums, there are three types of life insurance: whole life insurance with full payment of premiums, whole life insurance with regular payment and whole life insurance with one-time payment.

Ping An InsuranceWhat kind of insurance is Ping An Fu.

Hello dear! Ping An Insurance: Ping An Fu is a life insurance. Whole life insurance means that the death of the insured is used as a condition for payment, and the protection is lifelong, that is, after the policy takes effect, no matter when the policy dies, the beneficiary agreed at the time of signing the contract can get the insurance money paid by the insurance company.

Because Ping An Fu is a whole life insurance, after the conclusion of the insurance contract, the insurer should pay the insurance money whenever the insured person dies. As long as the insured pays the premium on time, the insurer has no right to refuse to renew the policy. According to the different ways of paying premiums, there are three types of life insurance: whole life insurance with lifetime payment, whole life insurance with regular payment and whole life insurance with one-time payment of defibrillation and infiltration fee.

That is to say, after ten years of payment, it can be insured for life, as long as the insured dies, he can get the corresponding insurance compensation, and he cannot get back the principal when he is alive. Ping An Fu is a lifelong protection product, which is an ordinary insurance, and only after the unfortunate illness or death, the insurance company will pay Cong Qin the corresponding compensation according to the contract signed at the beginning. Although surrender can also get back the money, but surrender is only a refund of the cash value, and there is a certain risk of loss.

Advantages: Ping An Fu this commercial insurance is the most fantastic point is that it can also be enough to increase the amount of insurance, the insurer can increase the amount of insurance according to a certain daily exercise index value, in the three years of the insurance policy is valid, only need to have at least 25 days of each month to count steps in 10,000 steps, add up to 18 months, then the amount of light illness insurance can be increased by 1%, the amount of critical illness insurance can be increased by 5%, if it is a total of 24 months, the amount of light illness insurance increased by 2%, 10% increase in critical illness insurance premium. And the waiting period of Ping An Fu insurance is relatively short, most of the critical illness insurance waiting period is 180 days, while the waiting period of Ping An Fu is only 90 days, compared with the competition of 180 days, the waiting period is still short.

Defects: The types of symptoms specified in Ping An Fu Insurance ensure that there are not many directions, and there is no protection for moderate illness, only ensuring that there are two types of diseases, minor illness and critical illness, and the liability and obligation of minor illness do not include mild cerebral infarction and cardiac obstruction with high incidence, and the comprehensive loss ratio is very low, and the comprehensive loss ratio of minor illness is only 20%, while the comprehensive loss ratio of minor illness is at least 30% for many critical illness insurance products.