I want to buy insurance, but I don t know which one is suitable, how about Ping An Fu? 100

Ping An Fu is a protection-based product, which is relatively suitable for doctors with stable incomes, such as doctors, teachers, civil servants, etc., with low premiums and high insurance amounts. You can also consider dividend-sharing peace talismans.

Summary. Hello, Ping An Insurance's Ping An Fu Insurance, it is worth buying. This Ping An Fu insurance provides critical illness protection and value protection for life.

Ping An Fu Insurance in Ping An Insurance, is it worth buying?

Hello, Ping An Insurance's Ping An Fu Insurance, it is worth buying. This Ping An Fu insurance provides critical illness protection and value protection for life.

This Ping An Fu focuses on diseases with three benefits: 40 types of minor illnesses are covered by 6 times of compensation for minor illnesses, 20 types of moderate illnesses are not grouped for 1 time, and 120 types of critical illnesses are not grouped for 1 time.

At the same time, there is also a guarantee of value.

And walking, that is, more than 10,000 per day per day, can get an increase in the amount of insurance.

If you have already purchased it, this policy is a very comprehensive critical illness insurance.

Of course, the shortcomings of this Ping'an Fu are also obvious.

The insured amount is 210,000, 7,000 a year, 30 years, then I paid 210,000, my advantage is in **.

The shortcoming of this one is that the ** rate is expensive, it can be said that it is the first rate in the industry, and the most expensive is not cost-effective. At the same time, critical illness is only paid once, unlike other insurance products, critical illness, which can be paid multiple times for life.

Your advantage is to choose a large insurance company, which covers major illnesses, mild illnesses, and moderate illnesses.

But the disadvantage is obvious, because your premium can be used for a single claim by other insurance companies for critical illness, with an insured amount of at least 350,000.

Critical illness insurance is of little significance if the sum insured is insufficient.

And it's a single-payout critical illness insurance.

I want to know, if I don't need it in this life, can I get my money back in the end.

OK. The policy is refundable and can be refunded when the cash value is greater than the cost you paid. After about 35 years, the cash value will be greater than the premium, and the policy can be surrendered for payment.

Or the larger of the sum insured and premium of the death benefit, you will be given the designated beneficiary.

Summary. Hello dear, happy to answer for you. Ping An Fu insurance in Ping An Insurance is worth buying, Ping An Fu series is a savings type critical illness insurance, Ping An An is seventy or eighty years old surrender supplementary pension, the early cash value is lower than the premium, surrender will face economic losses.

From Ping An Fu 2015 to Ping An Fu 2019, the main insurance is the whole life insurance with additional critical illness insurance, with life insurance as the main insurance, the premium is higher, and the advantage is that after the occurrence of critical illness claims, the life insurance amount is reduced by the same amount, but the life insurance continues to be effective, and the additional long-term accident and additional medical insurance are still valid.

Ping An Fu Insurance in Ping An Insurance, is it worth buying?

Hello dear, happy to answer for you. Ping An Fu insurance in Ping An Insurance is worth buying, Ping An Fu series is a savings type critical illness insurance, Ping An An is seventy or eighty years old surrender supplementary pension, the early cash value is lower than the premium, surrender will face economic losses. From Ping An Fu 2015 to Ping An Fu 2019, the main insurance is the whole life insurance with additional critical illness insurance, with life insurance as the main insurance, the premium is higher, and the advantage is that after the occurrence of critical illness claims, the life insurance amount is reduced by the same amount, but the life insurance continues to be effective, and the additional long-term accident and additional medical insurance are still valid.

Ping An Fu is designed for middle- and high-income families, and is usually insured with long-term accidents and inpatient medical care. Additional medical insurance with *** renewal clause, effectively deal with minor and chronic diseases, with Ping An e-life insurance, you can reimburse the cost of serious illness, Ping An products critical illness and medical insurance combination is better, the key is to see whether the individual ability to pay can be afforded. Starting from the 2019 version of Ping An Fu, the main insurance is critical illness insurance, with value protection, and the scope of minor and serious diseases is more comprehensive, such as minor stroke and coronary intervention. If you are not strong in your ability to pay, you can consider reducing or surrendering the policy.