I bought 10 copies of Ping An Children s Insurance 360 for my 2 year old child in 96, how can I retu

Xueba said that insurance, only help parents who want to buy the right insurance for their children! This year, the comparison table of 136 best-selling children's critical illness insurance has been updated

You can click on it to see how it will help you choose your child's insurance.

How to buy insurance for your child

First, take care of the medical insurance first!

Neonatal medical insurance (medical insurance for urban and rural residents) is the basic national insurance, and the child should be handled immediately as soon as he is born, whether it is a major illness or a minor illness, the basic medical insurance is particularly important, which is why medical insurance is called the first type of national insurance.

Second, if you plan to configure commercial insurance, it is recommended to consider pure protection critical illness insurance + medical insurance + accident insurance.

First of all, critical illness insurance, choosing it can provide us with a longer period of protection. Secondly, critical illness insurance pays cash directly after getting sick, which can not only solve the problem of medical expenses, but also solve many hidden problems in the future, such as the delay in studies caused by medical treatment and some losses in subsequent life, which require a lot of cash. Buying a pure protection critical illness insurance can just solve these problems in the future.

As for medical insurance, it can be used to reimburse the medical expenses of children's usual medical treatment, for example, with a 0 deductible hospitalization medical insurance, with an annual premium of 1,200 yuan, you can buy an insurance amount of 10,000 yuan, which is very practical.

Finally, it is necessary to configure an accident insurance, it is very cheap for children to buy accident insurance, and the insurance amount of 20w only needs sixty or seventy yuan per year, which can protect the child's accidental death, accidental disability and accidental medical liability, which is very cost-effective.

Third, is there any insurance that I should not buy for my child?

Don't buy life insurance for your children, and try not to think about critical illness insurance with both liabilities attached. I know the specific reasons in this articleWhy is it so hard to buy child insurance? You'll know when you see it!

has been introduced in detail, because there is already a detailed analysis in the manuscript, so I won't spend too much space here.

According to the above insurance ideas, if you are configuring regular insurance for your child, you can configure it comprehensively for about 1,000 yuan per year, and if you buy lifelong protection, it is only two or three thousand per year, which is very practical.

That's all for me"I bought 10 copies of Ping An Children's Insurance 360 for my 2-year-old child in 96, how can I return it?"All of them, I hope it helps you! Hope!

Bought 96 in 360. Congratulations, that's the most suitable product in the 360 series, the early 15-year-old maturity payment, 15, 16, 17 high school education funds.

18, 19, 20, 21 high school education, 22 years old.

If you don't get the money in front of you, you can get 4 dowry money at a time when the child is 22 years old.

55 girls and 60 men receive a monthly pension until life.

There will be a detailed introduction in the contract, and your ** person should also clearly inform you of the benefits and losses of the product when recommending to you.

It should be when your child receives a high school education fund, a college education fund, a marriage pension at 25, and a pension after the age of 60. How much you get depends on the contract.

Xueba talks about insurance, focusing on insurance product evaluation! At the age of 20, I basically didn't save much money, I didn't dare to treat my illness, and if I unfortunately encountered a serious illness, I would be at a lossDesigned for 20 years old!

Comparison Table of 136 Popular Critical Illness Insurance in China

It is important to note that buying insurance and choosing products is the most important thing, and it is useless to just look at the company. Nowadays, the pressure on young people is increasing, they think more, and their awareness of insurance is constantly improving, but they still don't understand how to pick things at this age, and there are many insurance products, so it is not easy to pick the right insurance for themselves, so I made an answer to how to configure insurance at the age of 20 for people of this age.

Young people mainly face these problems:

1) The working hours are very short, I usually don't like to save money, and I don't spend money in moderation, so the economic foundation at this time is relatively weak.

2) Staying up late at work and the high expectations of parents make many problems to face, and there is a great pressure to suffer, and there is a high probability of suffering from major diseases such as vascular disease, hypertension, stroke, cancer, and acute myocardial infarction.

The analysis shows that at this age, it is necessary to choose the insurance with comprehensive protection for the disease, and you can configure accident insurance + critical illness insurance + million medical insurance.

1.Critical illness insurance

As you get older, the more expensive the premium of critical illness insurance, and as you get older, once you suffer from certain diseases, it is very likely that the underwriting will not be approved, and the sooner you buy critical illness insurance, the better.

Here's a list to refer to:Designed for 20 years old! Top 10 Critical Illness Insurance Points Worth Buying in 2020! 》

2.Accident insurance

It only takes about 100 yuan to buy an accident insurance with an insurance amount of hundreds of thousands of dollars, covering accidental disability and death, young people with a small budget can also afford it, and the most basic protection can choose an accident insurance.

3.Million Medical Insurance

Million medical insurance mainly reimburses for hospitalization, and many excellent medical insurance also comes with a green channel for medical treatment, which can provide proton heavy ions**. Two or three hundred yuan a year, up to several million can be reimbursed, so the ** of such a civilian is more acceptable.

Worried that someone would step on the pit, I prepared an inventory:Designed for 20 years old! Top 10 Million Medical Insurance Points Worth Buying in 2020! 》

Xueba says insurance, to help you avoid all the pitfalls of buying insurance for your children! This year, the comparison table of 136 best-selling children's critical illness insurance has been updated, click to claim now, I believe it can help you.

What insurance should I buy for my child?This problem makes countless mothers and fathers who want to buy insurance for their babies daunted, today we will take a good look at what kind of ideas and methods should be followed to buy insurance for children! Explain from these three aspects:

First, medical insurance must be handled well, which is the basic guarantee of the people!

After the child is born, as long as the household registration is registered, you can immediately apply for neonatal medical insurance (urban and rural residents' medical insurance), whether it is a major illness or a minor illness, basic medical insurance is particularly important, which is why medical insurance is called the first type of national insurance.

Second, the three types of commercial insurance, critical illness insurance + medical insurance + accident insurance, should be configured together after handling medical insurance.

First of all, critical illness insurance, choosing it can provide us with a longer period of protection. In addition, critical illness insurance can pay a large amount of cash directly after getting sick, in addition to solving the first expense, it can also solve many subsequent hidden problems, such as falling behind because of illness, or some irreparable losses in subsequent life, all of which require a lot of cash to make up. Buying a pure protection critical illness insurance can just solve these problems in the future.

Let's talk about why we need to configure medical insurance, which can be used to reimburse the medical expenses of children's usual medical treatment, for example, with a 0 deductible hospitalization medical insurance, as long as one or two hundred yuan a year, you can buy an insurance amount of 10,000 yuan, which is very cost-effective.

Finally, let's talk about accident insurance, children's accident insurance is very cheap, as long as it is sixty or seventy yuan a year, you can buy 200,000 yuan of protection, don't look at the cost is not much, but the protection is a lot. Accidental death, dismemberment, and accidental medical liability of the child are all covered, inexpensive, and useful.

Third, what are the insurance policies that are not recommended for children?

Don't choose life insurance for your child, and try not to consider critical illness insurance with both liabilities attached. The specific reasons I know are in this answerHow to buy child insurance without being cheated? You'll know when you see it!

There has been a detailed introduction in , so I won't go into too much detail here.

According to the above insurance ideas, if you are configuring regular protection for your child, you can configure it for about 1,000 yuan per year, and if you buy lifelong protection, it will only be two or three thousand per year, which is very practical.

That's all for me"I bought Ping An Hongli Insurance for my children in 2000, and I paid 2,742 yuan a year, and at that time I said that it would be returned once every three years, and then I could receive it when I was 20 years old"

You have to pay for a few years, 18 years, it's a pity to surrender the policy,

You can call the **** of peace and ask.

You can contact an insurance broker to provide you with a suitable solution.

Summary. When we handle the collection, we should pay attention to the insurance period of the contract, the insurance period is 10 years is 10 years to expire, and the insurance period is 20 years to expire. If you want to withdraw it halfway, you can only surrender the policy.

Ping An 360 children's insurance can go to the insurance company's outlets to get money. Only the insured needs to bring his ID card, insurance contract, and bank card to the insurance company's outlets to handle the collection, and the counter staff will clean up the relevant information submitted, verify, and the insurance money will be transferred to the bank card within 3-7 working days after verification.

When we handle the collection, we should pay attention to the insurance period of the contract, the insurance period is 10 years is 10 years to expire, and the insurance period is 20 years to expire. If you want to withdraw it halfway, you can only surrender the policy.

I asked Ping An how to get money for the children's 360 product 20 years ago.

It's not a question of returns.

You can bring your ID card and passbook and go directly to the insurance company to handle and collect.

I asked about the insurance liability, which year to receive how much product liability.

I asked about the responsibility for the original product.

It's '02.

02 yes.

I guess it was launched in '96.

It's a children's 360 product from '02, right? Good.

Hello, there are many types of children's insurance in Ping An Insurance, which generally include:

1. Children's accident insurance;

Buying this type of insurance does not mean that you can not worry about the safety of your child from now on, it is just that you can get some financial help and compensation after the child has an accident.

2. Children's health and medical insurance;

Critical illness insurance is cheaper the insurance premiums the younger the age at which they are issued. In the past, many companies required critical illness insurance to be purchased only if they were 18 years old, but with the increase in insurance products, children under the age of 16 can now purchase this type of insurance.

3. Children's education savings insurance;

At present, many insurance companies have launched educational insurance designed together with education** and child death protection, compared with simple investment channels such as savings, the purchase of educational insurance has an additional layer of protection function.

4. Children's investment and financial insurance;

Families can meet uncertain educational expenses according to their children's educational needs. To invest in this type of insurance, you need to have a certain economic foundation and a high premium budget.

You can also refer to:

The main types of insurance are generally the above four, as for different specific types of insurance, you can go to the insurance company or a third-party network insurance platform to consult and purchase according to the specific situation of your baby, I hope it will be helpful to you.

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

What you are talking about should be Ping An's "Children's 360", which was discontinued a long time ago, which is a product that focuses on education and elderly care. $360 per copy per year.

However, the insurance market has developed to the present, constantly updated, and this insurance has been out of sale for a long time.

Insurance Liability. 1.Survival insurance benefits.

1) The insured survives to the age of 15 and pays the maturity insurance benefit;

2) The insured survives until the age of 17 and pays a high school education pension;

3) The insured survives to the age of 21 and pays a university education allowance;

4) The insured survives to the age of 22 and pays the dowry;

5) When the insured reaches the age of pension, he or she can receive the pension month by month until his death, and the insurance liability is terminated.

2.Death benefit.

1) If the insured dies in an accident before the age of 22 from the time the contract takes effect, the insurance payment is 6,000 yuan, and the insurance liability is terminated;

2) If the insured dies due to an accident between the ages of 22 and 25, the death insurance benefit of 10,000 yuan will be paid, and the insurance liability will be terminated.

3.Insurance premiums waived.

If the insured dies due to an accident during the payment period, or dies due to illness after 180 days from the effective date of the insurance policy, the premium for the remaining instalments will be waived and the insurance liability will continue to be valid.

It is a returnable whole life insurance. Preferential products to open up the market during the period of high interest rates (there was no concept of "dividends" at that time).

Ping An Children's Insurance, or Ping An Children's Comprehensive Insurance, is a comprehensive protection insurance designed for children aged 30 days to 18 years old, covering personal accident, accidental medical treatment, death from illness and 15 common critical illness insurance for children, as well as providing accidental medical rescue and advance payment.

Give a specific case (one of the two children's 360 paragraphs), for analysis reference only:

At that time, a 6-year-old (1996) boy, the payment period: to 15 years old (9 years of actual payment), the annual payment is 360 yuan.

The sum insured is 10,000 yuan, and the insurance period is lifelike.

Its main insurance liability:

1. Survival pension: 750 yuan at the age of 15 years old 270 yuan for 15-17 years old high school education (810 yuan in total) 270 yuan for college students aged 18-21 years (1080 yuan in total) 1300 yuan for 22-year-old wedding pension;

2. Pension: 320 yuan a year after the age of 60;

3. Death benefit: 6,000 yuan for accidental death before 22 years old, and 10,000 yuan for accidental death before 22-25 years old.

4. In the event of the death of the policyholder due to accident or illness, the remaining premiums will be waived.

At that time, those who bought 360 children's insurance have basically reached the return period, and their benefits are obvious, indicating the seriousness of the insurance contract and the clarity of the benefits.

Return-type insurance is also commonly known as savings insurance, that is, after the insured survives to the agreed period, the insurance company has to return the premium paid or the insured amount specified in the contract.

Savings insurance is a kind of insurance company designed to combine insurance functions with savings functions, such as the current common life insurance, pension, education insurance, in addition to the basic protection function, there is also a savings function, if there is no accident during the insurance period, at the appointed time, the insurance company will return a sum of money to the insurance beneficiary, just like the annual zero deposit premium, after the expiration of the whole withdrawal, similar to the bank's zero deposit and withdrawal.

However, according to the analysis of financial planners, the yield of this part returned after maturity is significantly lower than the after-tax interest rate of the bank's one-year fixed deposit. Therefore, it is equivalent to spending more money to hire a person to strictly manage his income and expenditure. Unless you have extremely weak financial self-control, you can spend less money.