Is the smart star additional insurance consumer type, and what kind of insurance is the smart star?

All insurance companies' add-ons are consumer-based.

Smart Star is a universal insurance launched by Ping An Insurance for children. It is composed of main insurance + additional insurance, the main insurance is annuity insurance, and the additional whole life critical illness insurance, accident insurance, accidental medical insurance and life insurance. The coverage of insurance is very wide, and policyholders who want to give their children a comprehensive protection can consider this product.

As can be seen from the insurance terms of Smart Star, it mainly covers critical illness, accident and additional policyholder and insured waiver. The main insurance covers 45 kinds of critical illnesses, with 1 claim, 120,000 sum insured, 100,000 accidental death insurance, 20,000 accidental medical reimbursement and death. The whole life insurance in the additional insurance is an early payment type, with an insured amount of 120,000 yuan, a one-year life insurance insured amount of 150,000 yuan, an accident insurance maximum of 100,000 yuan, and an accidental medical insurance maximum of 20,000 yuan.

In addition, the underwriting population of this universal insurance is children aged 0-17, the payment period is 15 years, the protection period is lifelong, and the guaranteed annualized rate of return is a cost-effective product.

What is Smart Star Protection? Add a "Free Consultation" for customer service

Xueba talks about insurance, focusing on insurance evaluation! How about Smart Star? Let's take a look at how it compares to other popular 135 popular critical illness insurances"Comparison Table between Smart Star and 135 Popular Critical Illness Insurance".

Ping An's smart star, the main insurance is a universal insurance annuity insurance, since its launch, it has been widely controversial, not only has protection (critical illness + accidental medical treatment), but also has the function of financial management, it seems to be very versatile, what does it actually look like? Let's give the evaluation results first: This product is not recommended for children to buy, because there are too many pits in the product, and I have summarized them in this article"It's said on the Internet that Ping An Smart Star is not good, is it true?

Don't rush to buy just by looking at the advertisement, and make a decision after reading the professional analysis:

Ping An Smart Star is a life insurance product that can be attached to critical illness, accident, medical and other additional insurance, taking into account protection and financial management functions, then, let's talk about these two aspects, the first is financial management (mainly universal account):

The initial fee and guarantee cost, focusing on the deduction ratio, 50% was deducted in the first year of Smart Star;

The guaranteed interest rate of the universal account, the guaranteed interest rate of Smart Star, is that other products on the market can reach 3%;

Disease protection: There are only 45 kinds of critical illnesses, 1 claim, no moderate and mild diseases, and the lack of high-incidence critical illnesses for children, which is not a good critical illness insurance for children;

Death benefit: Life insurance is paid for the breadwinner of the family, and it doesn't make much sense for children to buy life insurance

Accident protection: The amount of accidental medical treatment is low, and the drugs in the social insurance are much more expensive than other one-year accident insurance.

Due to the number of words and **, it is inconvenient to display, it is recommended to read the original text above.

This kind of security and financial management together, catering to the psychology of consumers who are afraid of trouble, but you know carefully that the protection function is very weak, and it does not play a role at all when the risk really occurs, and in terms of financial management, the guaranteed interest rate is too low, and there is everything, but in fact, nothing is done.

When buying insurance, you should separate protection from financial management, so as to maximize benefits, what is worth buying children's insurance?Look at everyone else who has insurance"2020 Critical Illness Insurance for Kids Worth Buying is Here".

That's all for me"Disadvantages of Smart Star Insurance:"

Investment-type insurance products, in my opinion, are only investment-linked.

Dividends or universal products can only be regarded as wealth management type insurance.

There is a risk of loss in the investment!

As long as the dividends or the universal are reasonably planned, there is no possibility of loss, so from the results point of view, they all belong to the financial management type insurance.

Regarding the issue of premiums, customers should consider them as a whole according to their actual situation and ability to pay.

In this regard, it is recommended to communicate well with ** people.

Insurance purchase order:

1. Protect adults first, then children, because adults are children's insurance!

2. Buy protection first, then buy financial management, because digging health is the key to everything!

3. Long-term payment of health insurance and short-term payment of wealth management insurance, because health insurance can be attached to the exemption function, and wealth management insurance generally has compound interest and interest-bearing function

4. Insurance must be bought early and late, and you have to buy it sooner or laterBuy more insurance and buy less, buy as much as you want!

5. Insurance is first of all charcoal in the snow, and then it is the icing on the cake!

The specific recommendations for insuring your child are as follows:

1.When buying insurance for your child, you should first consider whether the adult is adequately protected, and don't put the cart before the horse.

2.Don't ignore the local insurance policy, for example, whether there is medical insurance for the elderly and the young.

2.Children's insurance, based on the basis of protection, then talk about education funds.

3.In terms of protection, accidents, critical illnesses, and medical treatment must be considered.

4.There are three kinds of children's closed manuscript insurance in the market: dividend, universal and investment-linked, and it is recommended to choose the first two.

5. Insurance planning, do what you can, don't deviate from the reality of affordability, then it is not insurance. Best, solve whatever you can? Don't aim for a one-step solution.

6.Remember the additional exemptions!!

6.Buying insurance for your children, don't plan too much for a rainy day, and plan your life, which is very unrealistic. Treat it rationally and do what you can. You can set short-term, medium-term, and long-term financial goals, but if you don't ask for them all, reverse the order, and it will be a mess and a waste of money.

7.First of all, we must clearly understand the above needs and rules, and then select a qualified ** person, which is very important and very important, and then choose an insurance company.

It is recommended to communicate with ** people in detail and verify with multiple parties, after all, face-to-face communication is the most practical and effective way.

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