What does Ping An Fu Combination Insurance cover?

Ping An Fu is a comprehensive insurance product: Primary.

The insurance is a Ping An Fu whole life insurance (the main insurance must be purchased), with an additional critical illness insurance with early payment (mandatory), an additional malignant tumor disease insurance (optional), an additional long-term accident injury insurance (optional), an additional minor illness waiver (optional), and an additional accidental medical treatment (optional). Ping An Fu has comprehensive coverage for minor and critical illnesses, and can pay multiple claims for minor illnesses and malignant tumors.

At present, Ping An Fu products and combination forms have been unbound.

Customers can choose additional insurance according to their own needs.

You should be referring to Ping An Fu full score of 20, this product is a regular return critical illness insurance launched by Ping An Insurance. They can choose to cover up to the age of 80 and get a refund of the premiums paid at the end of the insurance term.

Let's take a look at the following comparison chart of 20 vs. 19:

1.Coverage:

Critical Illness Benefit: 100% of the basic sum assured for 100 illnesses, only one payment.

The China Banking and Insurance Regulatory Commission (CBIRC) and the Insurance Industry Association (IAIA) have made a unified definition of 25 types of critical illnesses, and these 25 types of critical illnesses account for about 95% of all claims.

Minor Illness Benefit: Covers 50 illnesses and can be paid up to 3 times, with 20% of the basic sum assured paid each time, with no interval.

There is no unified definition of the protection of mild illness, and the definition of different diseases by insurance companies is quite different.

After looking at this picture, everyone knows that the full score of 20 for several mild diseases with a high incidence is included, and the protection is okay.

What I want to say more about mild illness protection is that if you have learned about Internet insurance, you will know that online critical illness insurance products also have an additional protection for moderate illness.

In fact, the Internet insurance company will take out some of the more frequent mild illnesses separately to increase the amount of compensation, so that the protection of the insured is more comprehensive.

Fu full score 20 other benefits are relatively simple, one is death benefit, and the other is the return of premiums when due, but Daddy does not recommend everyone to choose products that return premiums, why do you say so? I read this article "Is Critical Illness Insurance Worth Returning Premiums?" >> You'll find out!

Ping An Fu is a pure protection type of insurance. High protection and low premiums. Self-driving, double compensation, and additional free mild critical illness are the main features of this product.

Annual payment of 4800, it is estimated that you are about 20 years old, 2 medical treatments + 10,000 accidental medical treatment, 200,000 main insurance, 200,000 accidents, 150,000 critical illnesses, plus hospitalization subsidies, 30 years, almost a little more than 3800.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

Ping An Fu is a combination insurance, including 1 main insurance + 2 mandatory additional insurance + n optional additional insurance. The insurance age is set at 18-55 years old, which is consistent with the mainstream critical illness insurance in the market, and there is a children's version of Ping An Fu under the age of 18. Ping An Fu's main insurance is a life insurance, and the additional insurance is a critical illness insurance, a long-term accident insurance that is covered up to the age of 70, a supplementary insurance that pays multiple claims for malignant tumors, and a premium waiver for the insured's critical illness and minor illness.

**In terms of taking a 30-year-old man as an example, the life insurance amount is 510,000 yuan, the critical illness insurance amount is 500,000 yuan, and the payment amount is 20 years, and he has to pay more than 20,000 yuan per year. In general, Ping An Fu is suitable for customers with sufficient budgets and value features such as offline face-to-face services.

Ping An Fu is a critical illness insurance, and with the arrival of 2020, Ping An Fu has been updated to Ping An Fu 20 version. In terms of product structure, Ping An Fu 20 continues the structure of previous products, which are all whole life insurance + single claim for critical illness + multiple claims for minor illness.

1.Safe run

There are two different levels of exercise goals for Ping An Run, and the insured can increase the corresponding sum insured as long as they are achieved.

Plan 1: Within two years of the effective date of the contract, for a total of 18 months, at least 25 days per month with no less than 10,000 steps, the sum insured for critical illness and death can be increased by 5%, and the sum insured for minor illness can be increased by 1%.

Plan 2: Within two years of the effective date of the contract, for a total of 25 months, at least 25 days per month, no less than 10,000 steps, the sum assured for critical illness and death will be increased by 10%, and the sum insured for minor illness will be increased by 2%.

2.Increase the sum insured after mild illness

As long as the insured is insured before the age of 70, the sum insured for critical illness and death can be increased by 20% for each minor illness diagnosed.

Ping An Fu 20 mild illness can be compensated 3 times, then the sum insured for critical illness and death can be increased by up to 60%.

In the past, Ping An Fu was the main insurance for whole life insurance, and critical illness was an additional insurance. In Ping An Fu 20, whole life insurance and critical illness insurance will be combined, and the sum insured must be the same, and different sum insured cannot be insured in the previous products. In addition, in terms of premium**, Ping An Fu 20 should also be reduced.

Ping An Fu main insurance includes, value, early payment for critical illness, and long-term accidents.

Ping An Fu is an insurance business of Ping An Insurance Company, the main contents of which are as follows: 1. Defend high life insurance of 260,000 yuan, lifelong protection, in this life due to illness or accidental death, family members can get 260,000 yuan; In addition, 27-47 years old is the first struggle period of life, if you die of illness or accident, another 300,000 will be given; a total of up to 560,000 yuan; 2. Critical illness insurance is 180,000 yuan, and in a lifetime, no matter how old you are, you can get a compensation of 180,000 yuan in advance for a critical illness; 3. Compensation of 10,000 yuan for mild and severe diseases, considering the early lesions and ** of some major diseases, can also be obtained by virtue of the diagnosis; 4. 200,000 yuan for general accidental injury, 200,000 yuan for special accident injury insurance for public transportation or driving or private car, and the maximum compensation can be 400,000 yuan; The disability level is divided into 10 levels and 281 items, which is leading in the industry; Up to 400,000 in total; 5. Accidental medical treatment medical expenses caused by accidents, including outpatient and hospitalization, pay 100 yuan with a ruler and pay by yourself without a car, up to 30,000 yuan per year;

Ping An Fu (2018) Insurance Product Plan covers a number of liabilities such as critical illness, minor illness, accident, premium waiver, etc., and at the same time, considering the need for high protection after the occurrence of minor illness, the first to increase the amount of death and critical illness protection after the occurrence of minor illness, and can also increase the amount of protection for main insurance and critical illness insurance by meeting the exercise standards agreed in the terms, which is the best choice for the comprehensive protection plan for mid-to-high-end people.