What other insurance needs to be attached to the purchase of Ping An Jixing Gift?

From the perspective of your thoughts and considerations, your idea is mainly to solve the child's education fund and serious illness as a key consideration; You can choose Ping An Xinli 2 full dividend insurance; This solves the problem; Then buy a children's safety card.

It can be attached to a Xinsheng main insurance and critical illness, Xinsheng product is a product with low premium and high protection. I wonder if your salesman has given your child additional hospitalization expenses and accidental medical treatment?

Hello, the biggest regret of Jixing is that it can't be attached to a critical illness. The rest can be attached. If you really choose to buy Jixing Gift, it is recommended to buy another policy to supplement critical illness.

Jixing Gift is a children's education fund, and you must also purchase accident medical treatment and hospitalization medical treatment, as well as critical illness insurance! In this way, there is the most basic guarantee!

You are really insurance conscious and financially minded, you and your lover are the pillars of this family, first of all, you must establish comprehensive protection for yourself, so that your baby has comprehensive protection.

You can use Ping An Jixing as a special fund for your child's education, and then protect your happiness a plus daily amount to prevent accidents. The medical care of a 0-year-old child with commercial insurance is too expensive, so you can go to the community to apply for a community medical treatment.

If your economic level is okay, I still recommend that you apply for the Century Tianjiao insurance. First, this type of insurance is the most beneficial, and there are also critical illness and accident medical treatments. Century Tianjiao is the best children's insurance.

I wish you peace and a happy family.

There is no additional insurance, only survival insurance, death insurance, maturity insurance and accidental death special insurance. Ping An Jixing is a participating children's insurance issued by Ping An Life, if you have the idea of buying both insurance, it is recommended to understand these contents clearly: about the two insurance, the salesman will definitely not tell you!

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As a parent, it is more appropriate to choose such a product as a child's education fund to use, which provides a guarantee of survival insurance money that can alleviate the economic pressure of parents in their children's education to a certain extent.

However, it should be noted that Jixing Sending Treasure only sets a payment period - 10 years of payment, which is not very friendly to some people who are not particularly wealthy in economic conditions. If there is one more payment period, consumers can choose the payment period that suits them according to the actual situation, so this is also the defect of Ping An Jixing Delivery. You may not know much about the payment period, in fact, different situations have their own suitable payment period, you will know after reading this article:

How to choose the payment period so that you will not lose?

If you don't know what kind of insurance is better, you don't know what kind of insurance you are suitable for, then this information is recommended to be collected: [Insurance] which is good, how to buy a good deal, teach you to avoid these pits of insurance.

I believe everyone knows that after the cooling-off period, the surrender can only get the cash value corresponding to the contract. According to the cash value stipulated by Jixing Baobao, take the 0-year-old baby boy insurance as an example, protect it until the age of 75, invest 5,000 yuan per year, pay it for 10 consecutive years, and invest a total of 50,000 yuan. If you surrender the policy just after the cooling-off period, the amount you can get back is 1995 yuan, which is lower than the premium you paid.

In the 60th policy year, the cash value of the contract was 50,490, which just exceeded the premiums paid. If the policy is surrendered before this period, the cash value of the contract is lower than the premium paid, and you are likely to suffer a loss if you surrender the policy during this period.

If you want to surrender the policy, but you don't know how to reduce the loss, you might as well take a look at what the experts say: [link]{ How to surrender the insurance, how much can the surrender be refunded, and how to reduce the surrender loss?

Under normal circumstances, the policy can only be surrendered in full during the cooling-off period, after which it is a normal surrender, and the policy can only be surrendered according to the cash value of the policy. Therefore, you must consider clearly before applying for insurance, whether this insurance can meet your own protection needs. If you really want to surrender your policy, don't forget these little details when you do so:

link]{What details should I pay attention to when surrendering my insurance?}

Here it is recommended that you should consider whether this insurance meets your own protection requirements before applying for insurance, try to avoid the occurrence of surrender, and reduce your losses, so before applying for insurance, you must understand these professional knowledge: before buying insurance, you must first understand these key knowledge points!

Looking at the cash value on the contract, you want to refund, why not refund it within the cooling-off period? Just after that, I have to retreat,

The terms of the contract stipulate that the insurance company will make an approval on the 5th after receiving the application for insurance payment and relevant certificates and information; If the situation is complicated, an approval is to be made within 30 days. If it is not an insurance liability, the insurance company shall issue a notice of refusal to pay the insurance money to the beneficiary within 3 days from the date of verification, and explain the reasons. The senior sister arranged an insurance claim strategy to help everyone settle claims faster and better

Insurance Claims] What are the correct postures that are fast and good? If you don't lose, you will be on the plate!

Under normal circumstances, the insurance company will not deliberately refuse to make a claim, as long as the accident situation meets the contract and meets the claim conditions, Ping An Insurance will settle the claim according to the contract.

If the claim has not been settled for more than one month, it may be that the accident occurred by the insured does not fall under the regulations of the insurance company and does not meet the standard of claim; Or maybe something happens to the insured person that falls within the scope of the exclusion clause and therefore cannot be paid. Of course, if the insurance company deliberately delays the claim, you can communicate and negotiate with the insurance company first to see what is the reason for the delay in making the claim. If the insurance company is unable to give a reasonable reply and the negotiation fails, the consumer can collect relevant information and submit the true and valid information to the local CBIRC for complaints.

If you are worried about whether Ping An Insurance Company is reliable in terms of claims, you can take a look at this article: how is Ping An Life, what products are there, which ones are good, what are the pitfalls, and in-depth analysis.

Although the insurance company will pay in strict accordance with the insurance contract, but in the actual claim process, there may still be a claim dispute, if the claim is unreasonably refused, we can solve the problem through appropriate methods, you can first negotiate with the insurance company, ask the insurance company to self-check and self-correct, require re-underwriting, claim in accordance with the contract, if the negotiation fails, you can find the CBIRC to complain and protect your rights, and protect your legitimate rights and interests through arbitration.

1. Communicate with the insurance company to see what causes it, the average time limit for compensation of general insurance companies is 4 days, and the overall time limit will not exceed 30 days.

2. If it is caused by refusal to pay, judge whether it is really unreasonable, and resolve it through litigation, but the cost of hiring a lawyer and time need to be considered.