Is it too late to buy a little lucky star for my son?

It should be too late, as long as you work hard to redeem it, then it is too late, but if you don't redeem it, then it will never be too late, so you have to return all his things to him casually, because if you don't give him his things, he will lose his confidence.

It's still too late, it's still on sale, and the effect is still very good. You can buy one for your son.

It must be in time, many people say that when you want to decide something, it is better to do it immediately, since it is to buy him something, then go and buy it.

It's okay to buy a little lucky star for your son, as long as he hasn't used it yet, and it's not too late for you to buy it now.

I think it's still too late, because your son's heart is actually not very big, I think it's still too late.

Hello, Ping An Xiaofuxing can be insured as long as you are under the age of 18.

In principle, it is possible to surrender the policy, but you should pay attention to this type of insurance, if you surrender the policy, you can only refund a small amount of money.

So it depends on how long you have been buying, if you really only bought it for a month, and you don't want it anymore, hurry back.

If you have bought it for a long time, such as a few years, it is recommended that you do not return it, because it is a big loss for you to return only a little money.

This should be too late, and he shouldn't have any big problems.

Recently, Ping An Big and Small Lucky Stars have blown up the circle of friends of the senior sister, the reason is that the big and small lucky stars are about to go offline in tears on August 1st!

In July last year, Ping An Life launched the Big and Small Lucky Star Critical Illness Insurance, which can be divided into Big Lucky Star and Small Lucky Star, which protect different groups, and Little Lucky Star is a children's critical illness insurance. Xiaofuxing has been on the shelves for a year, relying on the reputation of the old insurance company Ping An, and it is very popular. Is that little lucky star worth buying?

What are the lightning points? Compare it with popular domestic critical illness insurance products, and the advantages and disadvantages are clear at a glance:"Comparison Table between Little Lucky Star and the 135 Popular Critical Illness Insurance in China".

Let's take a look directly at the protection content of Xiaofuxing:

Ping An Xiaofuxing is a "life insurance + critical illness insurance" combination product that [1 time for critical illness, 1 time for children's special illness, death benefit, and can be attached with mild illness protection, illness companion insurance benefits, malignant tumor second compensation, and exemption from liability]. Although it is going to be delisted, don't be in a hurry, there are really too many shortcomings of Xiaofuxing:"Little Lucky Star Delisting Storm is coming, listen to my advice, you need to be cautious when you start!

Strengths:

1. The protection is basically sufficient and flexible: including death, critical illness, children's special illness protection, mild illness benefit, illness companion payment, exemption liability, etc., are all add-on benefits, which customers can choose according to their needs.

2. With brand effect: Almost all people in China know Ping An Life, with a huge team and many service outlets.

Cons:

1. Lack of moderate illness protection is almost the standard configuration of critical illness insurance, but Xiaofuxing does not have moderate illness protection and is not competitive enough.

2. The protection for minor illnesses is not comprehensive enough, and there are more than a dozen types of mild illnesses in critical illness insurance on the market than those of Xiaofuxing, and there are too few mild illnesses covered by Xiaofuxing; Xiaofuxing's compensation ratio starts from 20%, which is really uncompetitive compared to products with a compensation ratio of more than 30% for mild diseases; Once out of insurance, Xiaofuxing's compensation for minor illness may not be enough.

3. There is a trap for the second compensation for cancer: after the first time you get cancer and go out of insurance, you can only get compensation after 5 years of diagnosis, and the medical belief 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. Therefore, the sincerity of the interval setting of the second compensation for Xiaofuxing cancer is not very sufficient.

4. **Expensive: Ping An's products have always been very expensive, 0-year-old men 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!

Xiaofuxing 20 is a children's critical illness insurance launched by Ping An, but it will be discontinued soon, many people think that it will be very cost-effective to buy before the sale is stopped, but in fact, it is not, Ping An has not made any adjustments to Xiaofuxing 20, it is the same as before, how can it be said that it is cost-effective to buy now? It is recommended that everyone understand the facts well and not be easily deceived by illusions:"Little Lucky Star Delisting Storm is coming, listen to my advice, you need to be cautious when you start!

Before analyzing the Little Lucky Star 20, you can look at the summary table of the best-selling children's critical illness insurance on the market that I summarized before, and see what level the Little Lucky Star 20 is at:A comparison table of 136 popular critical illness insurance for minors in China

Whether a product is cost-effective depends on whether its protection is not proportional to the premiumFirst of all, let's take a look at the guarantee of the Little Lucky Star 20:

1. Critical illness protection:Includes 120 types of critical illness claims, with only 1 claim, and the coverage is basic.

2. Mild illness protection:Need to add extra, no additional protection, and only 10 kinds, most children's critical illness insurance on the market comes with about 50 kinds of mild illness protection, Dafuxing 20 is not complete for mild illness.

3. Special illness protection:Although Xiaofuxing 20 includes special disease protection, it should be noted that Xiaofuxing 20's special illness insurance does not include severe Kawasaki disease, severe regenerative anemia, osteogenesis imperfecta type III and other more common children's critical illnesses, compared with the current mainstream products, there is still a certain gap4. Lack of moderate illness protection:This is a long-standing problem of Ping An's critical illness insurance, and compared with the products on the market with comprehensive protection for moderate illness, Ping An Xiaofuxing 20 is really not competitive.

Let's break it down againThe question of the premium of the little lucky star 20:

From the premium aspect, it can be seen that Xiaofuxing 20 has to pay more than 6-7000 yuan per year after adding mild illness protection, and if you want to have more complete protection, you have to pay more money, and the cost performance is much lower than that of your own fully protected products.

Therefore, comprehensive analysis, it is not cost-effective to buy Xiaofuxing 20, obviously there are so many cheap and well-priced products on the market, not only the guarantee is complete, but the cost performance is also higher than that of Dafuxing 20:Top 10 Cheap and Good Price Critical Illness Insurance** Points! Look

It doesn't get along, and now other brands are more advantageous. Little Lucky Star is outdated. aqui te amo。

Little Fortune Star 20 is a children's lifelong critical illness insurance, with main insurance + optional additional insurance as the main form.

Let's take a look at the basic content of Little Lucky Star first:

1) Life insurance

Life insurance protection is relatively simple, with the premium paid before the age of 18 and the basic sum assured after the age of 18, as is the case with most life insurance plans for children on the market.

2) Additional critical illness insurance

This is a veritable "critical illness" insurance, because this additional insurance only covers 120 critical illnesses, such as mild and moderate illnesses.

3) Additional Minor Illness Benefit

Minor illnesses are only covered for 10 illnesses:

Although the number is small, they are all essences, and most of them are mild diseases with high incidence, which have accounted for a large part of the compensation ratio of mild diseases.

After Ping An Xiaofuxing was upgraded to Ping An Xiaofuxing 20, its essence is a life insurance, which is also in response to the call of the China Banking and Insurance Regulatory Commission and does not require additional insurance.

Just by looking at the above content, it is generally impossible to judge whether this product is worth buying, you have to look at theseHow about Ping An Little Lucky Star? Giveaway! Look