Does Ping An have major illness, minor illness, financial management, dividends, and accident insura

Yes, it's up to you how you plan it.

Chinese Life has a very good comprehensive insurance, Ruixin Collector's Edition, you can learn about it.

Some. But it's still tailored to your actual situation. No insurance company has a perfect product, only the one that works best for you. If necessary, you can also chat with me privately.

Hello, there is a teacher in front of me who said very right: no company is a perfect product, I am Huakang Insurance Supermarket can give you a private chat with the combination of various companies, I will definitely give you the most satisfaction.

Every insurance company has it.

Yes, we can tailor an insurance package to suit you.

Yes, we can tailor the product to suit you according to your actual situation.

Yes, it can be tailored for you.

Dear, there is. We can tailor the products that suit you.

When it comes to Ping An Insurance, there should be no one who doesn't know this insurance company, everyone knows the status of Ping An Insurance, don't believe it, see if there is anything in the ranking:"The ranking of the top ten insurance companies is newly released! 》

Ping An Insurance sells a wide range of insurances, covering basically all existing types of insurance in the market, including health insurance, accident insurance, life insurance, travel insurance, property insurance and car insurance. Friends who are interested in Ping An Insurance, if you want to go to the road, you must see:"Which products of Ping An Insurance are really worth buying".

Next, I will briefly introduce the four main types of insurance of Ping An Insurance.

1. Health insurance

Health insurance consists of medical insurance and critical illness insurance, which can reduce the financial burden caused by critical illness or medical treatment. Medical insurance can help you reimburse you for medical expenses incurred in your hospitalization, which can make up for the lack of social security. If the insured is unfortunately diagnosed with the agreed critical illness, the insured can get the agreed insurance compensation, which can be used to make up for the economic losses during the illness, such as living expenses, ** expenses, housing and car loans, etc.

Ping An Critical Illness Insurance's popular product, Ping An Fu, is being discussed by many people. But many people don't know whether this product is good or not, and if you want to know the answer, you can see here:"Is it good to buy Ping An Fu 20".

2. Accident insurance

Accident insurance covers the loss of bodily injury caused by an accident. Accident insurance products such as Ping An Million Any Bank, Family Insurance and Aviation Accident Insurance are very popular, and accidents such as Ping An Million Any Bank have a high popularity, but this product also has shortcomings, poke the right side to read and then decide:"What are the shortcomings of Ping An Million Let Me Go".

3. Life insurance

Life insurance refers to insurance that can be compensated for death due to accident or illness, or natural death. Generally, it is recommended to buy it for the breadwinner of the family, which can solve the problem of the family's financial inability to spend normally after the death of the breadwinner. Our more common Ping An life insurance includes participating life insurance and annuity life insurance, and Ping An Insurance's more well-known life insurance products include Xiaoanding Life.

4. Property insurance

By purchasing property insurance, you can make your property and its related interests safer. There will be some compensation for losses caused by natural disasters such as floods and **. Ping An property insurance products such as bank card security insurance and family photos are purchased by many customers. Hope!

The Insurance Act stipulates that "the dividends distributed by an insurance company to its customers shall not be less than 70% of the distributable surplus". Therefore, the dividend interest rate of the insurance company is determined according to the amount of the distributable surplus of the insurance company. That is to say, the more money the insurance company makes, the more it shares, and vice versa;

At present, the dividends of Ping An Insurance Company's participating insurance are compound interest. These include dividends and a special dividend of 2%;

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

1. Choose a strong company.

The benefits of participating insurance vary from time to time. The dividends that the company wants to pay to customers every year are not a fixed value, but are distributed according to the company's operating results. The amount of dividends that customers will receive in the future depends on the company's capabilities.

Therefore, when choosing insurance, customers should choose a strong company in addition to considering some situations of the product itself. First of all, it depends on the strength of the insurance company, and the strong company has certain advantages in all aspects, and it is natural to be able to provide customers with better services; Finally, look at the operation and management of the insurance company, image performance and so on.

2. Don't blindly follow the trend to buy.

Many consumers buy insurance as soon as they hear that there is a good return, but this is actually an irrational choice. Many investors are actually relatively lacking in protection insurance products, so when choosing insurance products, the first thing is to consider his protection, and then choose dividend-paying products in the case of medical and health care, otherwise customers will have a decline in income due to health problems. In short, the policyholder should choose participating insurance on the basis of adequate protection, and do not blindly follow the trend to buy.

3. Understand your own needs.

When choosing participating insurance, friends should analyze their personal risk tolerance and their own needs for insurance. Participating insurance is more suitable for the purchase of stable income, and for families with stable income** and no investment plan in the short term, choosing participating insurance is a good choice. The liquidity of participating insurance is poor, so for families with low family income and large expenses, it is necessary to be cautious in the choice to avoid other losses caused by the inability to realize the money when they need it halfway.

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

1. eHealth Critical Illness Worry-Free Insurance. Issue age: From 30 to 50 years old, you can re-apply until the age of 99, the insurance period is 1 year, and you can cover 99 kinds of critical illnesses and 16 kinds of minor diseases.

Additional Compensation for Minor Illness: eHealth Critical Illness Carefree Insurance sets an additional 20% of the sum insured for minor illness, and the minor illness benefit does not affect the re-insurance of critical illness. One-time payout:

The maximum basic sum insured of eHealth Critical Illness Worry-Free Insurance is 500,000 yuan.

2. Ping An Fu's Kuanshou Ankang Critical Illness Insurance. Issue age: 0 to 50 years old.

The coverage period is up to the age of 80 or 100. The payment period is 10 15 20 years. Covers 80 critical illnesses and 50 minor illnesses.

Supplementary Medical Care: Starting from the 60th anniversary of the policy, 5% of the sum insured will be reimbursed annually for medical history verification expenses, which can be accumulated up to 30% of the sum insured. Maturity Survival Benefit:

If the contract stipulates that the insurance will be guaranteed until the age of 80, the insurance company will pay 128% of the premium paid as the maturity survival insurance benefit if the contract expires at the age of 80.

3. Ping An Fu 2019 Lifetime Critical Illness Insurance. Issue age: 18-55 years old.

The term of benefit is for death and critical illness for lifeAccident coverage up to age 70. Protection for 130 Illnesses: Ping An Fu 2019 Whole Life Critical Illness Insurance can cover 100 types of critical illnesses + 30 types of minor illnesses, with 20% of the basic sum assured for minor illnesses, and covers death benefit and long-term accident benefit, and long-term accident insurance covers the policy anniversary of the insured's 70th birthday.

Cancer is paid multiple times, and the sum insured can be increased.

The full name of critical illness insurance is: Critical Illness Advance Payment. This is a type of insurance that guarantees you for life.

There are 28 categories of critical diseases for men and 30 categories of critical diseases for women, and they only need to suffer from the critical illness for the first time with the doctor's diagnosis instructions (no invoice) to pay in advance. The recommended sum insured for general critical illness is 8-120,000.

Accident insurance, there is accident insurance and accident medical insurance, there are different between the two, I don't know if you buy both or just one of them. Ping An's accident medical insurance is 100% payout for more than 100 yuan. 100 yuan is not included in the scope of free accompaniment.

That is, if you use 1,000 yuan, you can be reimbursed 900 yuan. However, the scope of liability of accident insurance is for bodily injury caused by foreign objects, and hospitalization caused by illness does not belong to this area. Accidental injury is an additional insurance, which is paid for one year a year, so it is also one year for one year, and if you pay for 20 years, it will be for you for 20 years.

Daily Hospitalization Allowance: If the hospitalization is caused by an accident, the number of days of hospitalization will be subsidized from the first day of admission. Up to 180 days in a year.

If the hospitalization is caused by illness, it will be counted from the fourth day of admission, for example, if the illness is hospitalized for 18 days, the benefit will be 14 days. 50 per day.

A total of 14*50=700 yuan.

I am also from Ping An Company, and the company stipulates that we must explain the policy clearly to the customer, so that the customer knows what protection he has.

You must figure out how to re-insure, don't buy a favor policy, insurance is something that accompanies you for life, and you can't just sign it with nonsense.

As for Ping An's large compensation, you can absolutely rest assured that the insurance policies are legally valid, and the customer will be compensated as long as the insurance is within the scope of liability. Have legal protection. So, all you have to do is find out what type of insurance you're buying.

If there's anything else you don't know, you can ask me.

Hehe, I'm glad to answer for you

There are 30 kinds of major diseases for men and women, the compensation amount is 206,400 yuan, once diagnosed, 120,000 yuan will be paid first, and you can get a ** subsidy of 2,400 yuan every month in the future, for 36 consecutive months, which is very good, your hospitalization subsidy should belong to a serious illness.

1. If it is an outpatient, emergency and hospitalization caused by an accident, it can be compensated. Hospitalization cannot be accompanied. It's because you don't have health insurance.

2. Accident insurance is paid for one year, and after 20 years of payment, the accident insurance is over. Of course, you can't pay for it.

3. Critical illness is only within the scope of compensation, as long as there is a critical illness within the scope, it will be compensated.

I have claimed several critical illness customers, and it is recommended to choose Taiping Life's critical illness insurance, which is currently the best critical illness insurance on the market.

I suggest you don't buy it, it's a small probability event, and the purchase is less, if something really happens, it won't help at all, the most important thing is to buy five insurances and one housing fund, which is really useful.

I bought this myself, I have paid it for 10 years, it is useless, the so-called major diseases are basically waiting for death, people are going to die, what is the use of tens of thousands of yuan, 900 yuan a year for 30 years, 20,000 yuan, 20 years after 20 years and 2000 yuan now?

If you look at the terms, you will understand, I believe that the contract is the most reliable, anyway, buying it is like not buying it

Critical illness insurance only covers 33 critical illnesses, and specific insurance terms will be.

There will be a subsidy of $50 per day of hospitalization for accidental medical treatment.

You have to look at the terms of the policy, although the words are very small, but you have to read it slowly and carefully. In particular, the disclaimer part!!

Don't blindly trust the salesman, they actually have a lot of things they don't understand, and when it comes to payout, the insurance company speaks according to the terms.

To put it bluntly, the salesman is the first person of the insurance company, not the employee of the insurance company, and he gets a commission for how much he sells, so you can't trust it all.

Is the landlord buying critical illness insurance with accident insurance?

Critical illness insurance has dozens of prescribed diseases, and as long as it is diagnosed by a doctor, it can be claimed.

Critical illness insurance is covered for outpatient, emergency and hospitalization caused by accidents. Hospitalization is not payable.

There are 45 major illnesses in Ping An Insurance:

Tumor-related diseases. Acute myocardial infarction, severe primary pulmonary artery. Erosive molar pregnancy.

Cardiac membrane discrimination. Severe primary cardiomyopathy. Sequelae of stroke.

Coronary artery bypass grafting. Aortic surgery. Severe infective endocarditis.

Severe aplastic anemia. Major organ transplantation or hematopoietic stem cell transplantation. Deafness in both ears.

Blindness. Compensated phase of chronic liver failure. Systemic lupus erythematosus is complicated by severe renal impairment.

Loss of language skills. Acute or subacute severe hepatitis. Severe ulcerative colitis.

End-stage renal disease. End-stage lung disease. Pancreas transplant.

Laparotomy for acute necrotizing pancreatitis. Severe cystic disease of the renal medulla. Severe Wilson's disease.

Severe autoimmune hepatitis. Severe diffuse systemic scleroderma. Benign brain tumors.

Sequelae of encephalitis or sequelae of meningitis. Deep coma. Severe Alzheimer's disease.

Paralysis. Severe multiple sclerosis. Severe Parkinson's disease.

Severe motor neuron disease. Severe dementia not due to Alzheimer's disease. Vegetative state.

Multiple limbs are missing.

Severe type I diabetes. Severe burns. Severe rheumatoid arthritis. Elephantiasis. HIV infection caused by blood transfusion. Severe muscular dystrophy.

Among them, 25 categories are unified by the insurance industry association and the United Medical Doctor Association to customize the unified standard, all companies are in accordance with this unified standard, other types of serious diseases, the types of terms of each company are different, in fact, the high incidence is nothing more than those categories:

a) Malignant tumors.

2) Acute myocardial infarction.

3) Sequelae of stroke.

4) Major organ transplantation or hematopoietic stem cell transplantation.

5) Coronary artery bypass grafting.

6) End-stage renal disease.

Founded in 1988 in Shekou, Shenzhen, Ping An Insurance (Group) Co., Ltd. is the first joint-stock insurance company in China, and has developed into an integrated, close and diversified comprehensive financial service group integrating financial insurance, banking, investment and other financial services. Ping An Insurance (Group) Co., Ltd. of China ranked eighth among the top 500 Chinese enterprises in 2017.