Ping An Wisdom Star Children s Universal Insurance Policy Inquiry

Xueba says insurance, only recommend insurance that is really useful for children! This year, the comparison table of 136 hot-selling children's critical illness insurance has been updated

You can click on it to take a look.

How to buy insurance for your child

This question has made many parents think hard, today let's take a good look at what insurance should be bought for their children! Follow these three criteria::

First, you must apply for the country's medical insurance!

After the child is registered, the first thing to do is to complete the medical insurance. Regardless of whether it is a major illness or a minor illness, basic medical insurance is particularly important, so it is necessary to apply for medical insurance for children.

Second, after running medical insurance, it is necessary to consider fully configuring commercial insurance, and it is recommended to give priority to critical illness insurance + medical insurance + accident insurance.

First of all, critical illness insurance, choosing it can provide us with a longer period of protection. In addition, critical illness insurance can pay a large amount of cash directly after getting sick, which can not only be used to treat the disease, but also solve other associated problems, such as delaying homework due to illness, which requires a lot of cash to make up. Buying a pure protection critical illness insurance can just solve these problems in the future.

In addition, medical insurance can be used to reimburse the medical expenses of children's usual medical treatment, for example, with a 0 deductible hospitalization medical insurance, with an annual premium of 1,200 yuan, you can buy an insurance amount of 10,000 yuan, which is very practical.

Finally, let's talk about accident insurance, it is very cheap for children to buy accident insurance, 200,000 yuan per year is only 60 or 70 yuan, which can protect children from disability, death and medical liability caused by accidents, which is very practical.

Third, what are the insurance policies that are not recommended for children?

Don't assign life insurance to your child, and try not to attach both liabilities to critical illness insurance. I know the specific reasons in this articleWhy is it so hard to buy child insurance? You'll know when you see it!

has been introduced in detail, because it has been written in detail in the manuscript, so I won't spend too much time introducing it here.

According to the idea I gave you to configure insurance, if it is for the child to configure regular protection, 1000 yuan per year can be fully configured, if you buy lifelong protection, it is only two or three thousand per year, which is very cost-effective.

That's all for me"How to check Ping An Company's Wisdom Star Children's Universal Insurance Policy"All of them, I hope it helps you! Hope!

Xueba talks about insurance, focusing on insurance evaluation! It is recommended that you take a look at this universal insurance ranking table before you buy universal insurance:"Great value! Cost-effective universal insurance products

Universal insurance is a type of insurance that integrates investment income, death protection, and critical illness protection, with multiple protections under one policy. This kind of insurance is often the most advertised product by most insurance companies, saying that universal insurance can cover anything. Even large companies are safe and secure.

In recent years, Ping An has launched many well-known universal insurances, such as Smart Star, Smart Star, Smart Life, Smart Win Life, etc., which seem to take into account both protection and financial management. Is it really so comprehensive? Read on and you'll know?

Let's analyze the more popular "outwitting life".

Let's take a look at its financial management features first.

The main insurance of this insurance is universal whole life insurance, the main feature is that you are equipped with a universal account, that is, it has to deduct your initial expenses and protection costs before starting to calculate interest, how much interest rate you will get depends on the operation of the insurance company, but the bottom is guaranteed. What is the concept, the interest rate of Yu Bao is about now.

How much money will be deducted from the initial fee and guarantee cost, which I have explained in detail in the original article of the evaluation of this product, if you are interested, you can take a look:"It's said on the Internet that a safe outwitting life is not good, is it true? 》

Let's talk about its safeguard function.

Critical illness insurance not only does not have a moderate illness, but also does not have a mild illness, that is. For example, if you are unfortunate enough to have chronic renal dysfunction, the insurance company will not pay a penny, and will not pay you until it becomes end-stage renal disease. Generally, critical illness insurance includes coverage for minor illnesses.

Believe it or not, just look at this comparison table:"Super Complete! A big comparison of 136 popular critical illness insurances in China

The water of universal insurance is very deep, and ordinary people do not need to buy universal insurance, because universal insurance does not cover a lot. It is recommended that you honestly buy critical illness insurance, life insurance, etc., which are specifically designed for a kind of insurance that protects the reverse.

That's all I have for this issue, I hope it will be useful to you. Hope!

Hello! I am Li Zhiyuan of Ping An, China. We're happy to answer your questions!

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