Which is better, Ping An Fu or the national life blessing of Chinese Shou

There are better ones than these two, it is recommended to learn more and compare more. In order to choose a more cost-effective product.

I don't know if it's good or not, but you can't buy it! Peace and life black!

Chinese Life and Ping An of China can be called the "peerless double pride" of the domestic insurance industry, and now the critical illness insurance of these two giants is Ping An Fu 20 and China Life Fu (Ultimate Edition), who is better? Anxious bigwigs, you can check out this article directly:

Which is better, [Ping An Fu] vs [Guoshou Fu]?

However, Ping An Fu 20 also has functions such as increasing the amount of insurance after mild illness and sports incentives, and the protection content is richer.

From the ** above, the premium of China Life Fu is lower, and there is still a bit of an advantage in **.

Top 10 most cost-effective critical illness insurance points!

Advantages: 1. The sum insured for critical illness can be increased: before the age of 70, the sum insured for critical illness will be increased by 20% for each mild illness, up to a maximum of 60%.

2. Increase the amount of exercise insured: In the first two years, the number of exercise steps reaches the standard, and the amount of critical illness insurance can be increased by 5-10%, and mild illness will also increase a little.

3. High brand awareness: Ping An is a well-known brand, with many branches across the country and convenient offline services.

Disadvantages: 1. Low compensation ratio for minor illness: Many critical illness insurance companies on the market have a compensation ratio of 25%-30% for minor illness, while Ping An Fu pays 20%, which is slightly lower.

Advantages: 1. There are many branches of big brands: It is not difficult to find the service outlets of China Life in all provinces and cities across the country, including some towns and villages.

Disadvantages: 1. Low compensation ratio for minor illness: Many critical illness insurance companies on the market have a compensation ratio of 25%-30% for minor illness, while Ping An Fu pays 20%, which is slightly lower.

Summary: China Life Fu Ultimate Edition vs Ping An Fu 20, the two products have their own characteristics, both are products of big brand companies, and you can choose according to your actual situation.

Ping An Fu Full Score 2021 and China Life Fu are both critical illness insurance products, and the new regulations for critical illness insurance have been released recently, do you know? You can check it out here. What changes have been made to the new definition of critical illness insurance? 》

The latest version of Ping An Fu is Ping An Fu 21 Critical Illness Insurance, which covers the protection of mild, medium and severe diseases, and the coverage is relatively comprehensive.

China Life Fu only has critical illness and mild illness, and there are some specific diseases and specific critical illness protection, in addition to additional insurance benefits, in general, it is decent, and the basic coverage is not enough to be 21 wide.

The super complete of critical illness insurance is here, if you need it, you can poke it open and take a look at the comparison table of 336 hot-selling critical illness insurance in China! 》

Ping An Fu is a value protection, critical illness protection, mild illness protection, accidental injury benefit, accidental medical benefit, hospitalization medical benefit, hospitalization daily limit, and premium waiver functions.

Insurance companies are reliable, all are managed by the CIRC, and you can buy with confidence.

It is important that you find a professional insurance person who can serve you for a long time.

As for the product, the four major domestic companies (Chinese Life, Ping An of China, Xinhua Life, Chinese People's Insurance) are all optional, because the mobility of insurance practitioners is very large, so if the ** person does not choose properly, when he leaves the industry, your policy will become an orphan policy, and a series of services such as preservation, claims and dynamic planning will be impossible to talk about.

Most of the products of these companies are covered by nationwide insurance, so you can choose your insurance ** person nationwide.

In recent years, the incidence of critical illness has become younger and younger, and only by taking out critical illness insurance as early as possible can we resist the invasion of critical illness. In 2016, as a strong person in critical illness insurance, China Life and Ping An have been upgraded, so which is better?

Ping An Million Medical Insurance

Ping An e-Life Insurance Product Introduction

What are the advantages and disadvantages of Ping An e-life insurance?

Analysis of the advantages and disadvantages of Ping An e-life insurance 2017

The difference between Ping An e-Life Insurance 2017 and eHealth Insurance 2016

Ping An e-Life Insurance 2017 clause introduction

Payment methodFor long-term critical illness insurance, 20 years or 30 years are generally chosen.

Waiting period on, Ping An Fu is only 90 days, and Guoshou Fu needs 180 days, which is the advantage of Ping An Fu.

InSerious illness and mild illnessAlthough the number of covered diseases of the above two products is the same, the covered diseases are different, and consumers need to decide which product they need for disease protection.

Guoshou FuIn terms of protection, there are moreHigh disability coverage, butPeace and blessingsIt's a combination product with a long-term surprise, so it's a lotAccident coverage

In terms of fees, becausePeace and blessingsAccident coverage is covered, soPremiums are more expensive

, purchase advice: If there is already oneLong-term accident protectionYou can choose to buy Guoshou Fu; If you want to buy a critical illness + accident at one time, you can choose Ping An Fu; If you want the critical illness protection of China Life Blessing, but unfortunately there is no accident protection, this problem is easy to solve, you can attach a China Life Ruyi accompanying millions of comprehensive disturbance accident insurance.

30 men insured China Life Fu Ruyi accompanied, aviation accident 2 million, self-driving traffic 1.2 million, general accident 160,000, accidental hospitalization 160 days, death from illness and high disability There is a return at the expiration of the period, 30 years of protection, 10 years of payment, annual payment of 2,043 yuan, total premium of 20,430 yuan.

China Life Fu 500,000 insurance amount + China Life Ruyi accompanying, annual premium 15,800 + 2,043 = 17,843 yuan, such a combination of protection, accident protection amount is higher than Ping An Fu.

Although the previous 10 years of paying [Guoshou Fu + Ruyi accompanying Li Bi] is more expensive than [Ping'an Fu] every year, 17843-1782419 = 19 yuan;

However, in the next 10 years, [Guoshou Fu + Ruyi Accompanying Travel] will be cheaper than [Ping An Fu] by 17824-15800 = 2024 yuan per year;

Compared with liquid celery, if you pay for 20 years, [Guoshoufu + Ruyi Travel] is 20,050 yuan cheaper than [Ping'an Fu], and [Guoshoufu] is 40,480 yuan cheaper than [Ping'an Fu].

What is the difference between Guoshou Fu and Ping An Fu? Guoshou Fu is a Chinese life critical illness protection product, which is very popular. And Ping An Life's Ping An Fu is a classic, so which of these two products is better?

What is the difference between Guoshou Fu and Ping An Fu? Let's take a look.

National Shoufu Edition:

What are the advantages of the Guoshoufu Supreme Edition

How much is the National Shoufu Supreme Edition a year

The difference between the children's national life blessing supreme version and the children's peace and happiness

Comparison of the upgraded version of China Life Fu and the upgraded version of Ping An Fu

Does the upgraded version of China Shoufu include the Xiangyue regular version

Due to the differences between the two products, we use the combination product of "Ping An Fu Whole Life Insurance + Additional Critical Illness Insurance + Additional Long-term Accident" and "China Life Blessing + Ruyi Travel", based on "30-year-old male - 300,000 sum insured".

Analysis Summary:

After the above comparison of the main guarantees, we found that although the two products have their differences, the overall effect of the combination of "China Life Fu + Ruyi Accompanying Closure" is slightly better than that of Ping An Fu.

From the perspective of cost, the payment of "China Life Fu + Ruyi Travel" is slightly discounted, which is 67 yuan cheaper per year.

From the perspective of the number of diseases, Guoshou Fu has obvious advantages, and the disrespectful group theory is more serious or mild than Ping An Fu.

From the perspective of basic protection, China Life Liangtangfu has an additional high disability compensation.

Ping An Fu pays 800,000 yuan in the case of ordinary accidental death, which is better than the combination of "National Life Fu + Ruyi Travel".

1. The company is different.

China Life Fortune Life Insurance (Participating) is an upgraded version of China Life's "fist" product "Happy Life", which continues the product features of "pay and receive immediately, return once a year", and also focuses on the outstanding needs of customers in family financial planning, such as asset preservation and appreciation, pension and protection.

Ping An Hongsheng Whole Life Insurance (2004) (usually with Hung Sheng Critical Illness Early Payment) is a lifelong critical illness and death protection insurance under Ping An Life Insurance Co., Ltd. of China.

2. The scope of insurance is different.

China Life Fulfillment Insurance stipulates that anyone who is more than 28 days old and under 55 years old and in good health can be the insured, and the person himself or the person who has an insurance interest in him or her can apply for this insurance with the company as the policyholder.

Ping An Talisman Whole Life Insurance stipulates that the insurance age is 18 years old to 55 years old.

The protection of these two products is almost the same, Ping An Fu suffered from a mild illness before the age of 70, and the sum insured was increased by 20%, but Ping An Fu must be attached to accident insurance, and China Life Fu will be relatively cheaper on **. Specific analysis of Ping An Fu and Guo Shou Fu products: 1. Product composition:

Both products are a combination of whole life insurance with critical illness insurance. China Life Insurance: Whole Life Insurance + Additional Critical Illness Insurance; Peace and blessings

Whole Life Insurance + Supplementary Critical Illness Insurance. There is no problem with such a product combination, and many other products are designed this way. However, one thing to note here is that in the case of prepaid critical illness insurance, when you suffer from a critical illness, the sum insured of the main insurance life insurance will be deducted at the same time after the claim is settled.

For example, if the main insurance is 500,000 yuan and the additional critical illness insurance is 490,000 yuan, then when you get the 490,000 yuan claim, the insurance amount of the main insurance will become 10,000 yuan. 2. Comparison of mild symptoms:

For critical illness insurance, it actually lowers the threshold for claims and reduces claims disputes, which is undoubtedly a tangible benefit for consumers. The insurance industry association has only unified the regulation and determination of 25 types of critical diseases, and there is no unified standard for mild diseases, so the number and types of mild diseases are very different from each other.