Is it better to buy Ping An Insurance? Or don t you buy it better? Buying it can affect life.

Insurance is a necessity, and it is still necessary to buy it. If, as you said, buying it will affect your life, my opinion is that the ** person who serves you does not have a good understanding of your actual situation, and the product he recommends you to buy is not suitable for you. We emphasize that what is right for you is good.

Different products, different coverages, and different pricing are available, so it is recommended that you consider purchasing some consumer-based, short-term or term insurance first, which will have a lower relative cost. At the same time, don't be greedy, first protect your most important risks with corresponding insurance, and then consider the rest later.

If you buy insurance to make money, you lose money, if you don't even have money for food, then you don't need insurance, and if you don't expect to have the risk of illness and accidents in your future life, then don't buy it.

Hello, the first premise of buying insurance is not to affect life, you can provide you with how much money you have will not affect life for you to do a detailed plan.

Hello, I am a senior account manager of Ping An and a national second-level financial planner! Buying insurance can not affect life, insurance is to let our life not be changed, insurance should be insured according to their actual situation, not insurance, affecting normal life! Insurance is a must, and you can slowly increase the insurance in the future, and you don't have to buy enough insurance at one time!

Hello, how can it affect your life? Insurance doesn't change our lives, but it can prevent our lives from being changed.

Do what you can! Insurance doesn't change our lives, but it does prevent our lives from being changed.

If you don't buy it, if something happens, it will affect your life even more, no matter where you buy insurance, at least you have enough protection! You think about this clearly.

Hello, the insurance is customized according to the needs of the family and the individual's ability to pay.

People are running around for life, and if you buy insurance, it won't affect your life.

Do what you can, insurance is protection, and it's better than nothing, right?

Insurance doesn't affect your life and can prevent your life from being changed by the risks that come your way!

Don't buy it if it might affect your life.

Do you think it's good to use 5 to 15 percent of your annual income to buy more than 10 times your annual income?

The premise of buying insurance is that it does not affect your normal life, and how much money you take will not affect your life?

If I told you that there was a way to buy insurance that wouldn't affect your life, would you be willing to buy it?

Introduction: With the improvement of living standards, people are more and more concerned about their health, and people who work in the unit will generally be purchased social security, while other citizens will also spontaneously buy insurance. Through the payment of premiums in the early stage, insurance can protect yourself from a certain amount of subsidies when you are seriously ill, and you will also have a guarantee when you are old in the future.

So many people are thinking about whether it is better to buy social security or Ping An insurance? Let's take a look. <>

1. Social security. Social security is a kind of social insurance, which is a guarantee for one's future life. Social security is for the employment of local-level regional personnel, but he has a premise, must be a local person with urban household registration or talents introduced from other cities and towns, so that he can participate in the social security paid by himself through the local area.

When participating in social security, you can only participate in the types of insurance provided by social security, and you want to apply for other types of insurance, but there is none. At present, the state has promoted social security for all, and social security has been popularized. <>

2. Ping An Insurance.

Ping An Insurance is a joint-stock insurance company under Ping An Insurance Co., Ltd. of China, which has been building and serving China's insurance market, and has now developed into a service-oriented group integrating finance, insurance, bank investment and other financial businesses. Ping An Insurance determines the profits and remuneration that will be returned to itself later through the amount of money people pay for their own insurance subscription in the early stage. Ping An has a variety of insurance types, such as life insurance, pension insurance, car insurance, anyway, they provide some activities that can participate in insurance.

3. Differences. Social security is a basic personal security system provided by the National Social Security Administration, which aims to accommodate the social security system for the whole country, so that people can afford to be seriously ill and afford to see a hospital. Ping An Insurance is a for-profit company that protects the compensation received in the event of an accident by insuring citizens themselves.

The compensation of social insurance for people and the return of serious illness medical treatment are relatively small, while the commercial Ping An insurance has a higher level of protection for serious illness medical treatment. If people can afford it, it is advisable to take out more insurance.

It is better to buy social security, because social security is more reliable, and it is insurance for everyone, and there will be no loss.

Hello, glad for your question. From the perspective of stability, social security is more reliable, with the state as a backer, commercial insurance also needs to be profitable, and the use and payment methods of commercial insurance are not as convenient as social insurance. The social security card can be settled in real time, but commercial insurance can not be settled in real time, and there is an exemption clause for purchasing commercial insurance, which means that in some cases, no claims will be made.

In addition, suffering from certain illnesses that are not covered or have a high underwriting rate. Social insurance has better security, obligation and cost performance than commercial insurance, and the scope of commercial insurance protection may be more, and the amount of protection is also higher, but it will also be higher. Social insurance and commercial insurance are not opposites, social insurance is the basis, and commercial insurance is supplemented.

Legal basis: Article 2 of the Social Insurance Law establishes a social insurance system such as basic endowment insurance, basic medical insurance, work-related injury insurance, unemployment insurance, and maternity insurance, to protect citizens' right to receive material assistance from the state and society in the event of old age, illness, work-related injury, unemployment, childbirth, etc.

Questions. It's better to buy social security, or to buy insurance.

Dear, the answer is very clear, you can take a closer look.

Questions. That is to say, the insurance of the insurance company is not as good as social security.

Pro, each has its own advantages and disadvantages. The advantage of social security pension is that the leverage is higher; The disadvantages are that there are restrictions on payment standards, low substitution rates, and lack of flexibility. The advantage of commercial endowment insurance is that it is flexible:

when, how many years, and how much money to pay; When to lead yourself to the final say; The disadvantage is that you pay the same amount of money and do not receive as much as social security insurance.

Questions. Insurance company, insurance more than 6,000 a year, pay for 20 years, do pensions, do calculations?

Dear, the answer is very clear, you can take a closer look.

As far as I'm concerned, I think social security is the best. In the case of social security, it will have a stable guarantee. There will be no changes. In addition, no matter what industry or anything, social security will be paid, so it is better to buy social security if you buy it as an individual.

Hello, these two are pretty much the same. The selection is based on actual needs.

Social insurance is a social and economic system that provides income or compensation to people who are incapacitated, temporarily unemployed, or have lost their jobs due to health reasons. The main items of social insurance include endowment insurance, medical insurance, and unemployment insurance.

I think it's better to buy Ping An insurance, this insurance project contains a lot of content, and the insurance amount is quite large, very cost-effective.

Buying social security is a kind of insurance for the state, which has a good reputation and is very secure, which can ensure people's lives.

If you see the word peace, don't think about seeing peace.

Insurance should certainly be bought. Although China's social medical security system has been greatly improved, the security is still incomplete, and if you want to protect it more comprehensively, it is still necessary for commercial insurance to be fully configured. Generally, when buying insurance, we give priority to medical insurance + accident insurance + critical illness insurance, and life insurance depends on the needs of individuals.

1. Medical insurance.

Medical insurance refers to the insurance that provides protection for medical expenses during the period of diagnosis and treatment based on the occurrence of medical treatment as the condition for the payment of insurance benefits as the condition for the payment of insurance benefits. Medical expenses are the various expenses incurred by patients in order to treat diseases, which include not only doctors' medical expenses and surgical expenses, but also the costs of hospitalization, nursing, hospital equipment, etc.

Medical insurance is to reimburse the cost of minor and major illnesses, as a supplement to critical illness insurance, which can well cover the limitations of social security.

When choosing medical insurance, there are two things to look at:

1.Health Notice.

2.Renewal issues.

2. Accident insurance.

Accident insurance refers to life insurance that is conditional on death or disability caused by accidental injury. The probability of an accident is low, but once it happens, the damage or loss caused can be significant, even worse than a serious illness. Nowadays, some accident insurance not only covers death and disability liability, but also accidental medical treatment and hospitalization benefits.

Accident insurance premiums are low, the sum insured is high, the leverage is high, and the premiums do not affect normal life.

3. Critical Illness Insurance:

Critical illness insurance refers to the insurance company that covers specific critical diseases, such as malignant tumors, acute myocardial infarction, sequelae of stroke, etc., and when the insured suffers from the above diseases in accordance with the contract, the insurance company will provide fixed payment for the medical expenses spent.

4. Life insurance. Life insurance is an insurance that provides death or total disability protection, and pays for death or total disability due to illness or accident. Life insurance has a liability for death, but it does not necessarily cover liability for total disability, and total disability is not the same as a first-degree disability.

Finally, each insurance company's products have their own characteristics, what is suitable for others may not be suitable for you, you need to combine personal physical condition, family income and debts, needs and other information judgment, and then give a suitable plan, so that your protection is more suitable for yourself and more comprehensive.

It is necessary to buy Ping An Insurance, which can be determined from the strength of Ping An Insurance Company and whether the insurance product itself meets the needs of the policyholder.

To judge the strength of an insurance company, you can judge the establishment background, registered capital, and national ranking of the insurance company. Solvency is directly related to the insurance premium paid to us by the insurance company, the higher the ability, the more compensable, under normal circumstances, the CBIRC has two more important evaluation criteria for the solvency assessment of insurance companies, not only the core solvency adequacy ratio should be higher than 50%, and the comprehensive solvency adequacy ratio should be higher than 100%. In addition, from the perspective of service rating, the CBIRC evaluates the business processes of insurance companies such as consultation, return visits, and complaints, and concludes that there are 10 service ratings in four categories: A, B, C, and D, with the A rating being the highest.

Ping An Insurance (Group) Co., Ltd. (hereinafter referred to as "Ping An of China", "Ping An Insurance", "Ping An Insurance Company", "Ping An Group") was born in Shekou, Shenzhen in 1988, is the first joint-stock insurance company in China, and has developed into an integrated, close and diversified comprehensive financial service group integrating financial and insurance, banking, investment and other financial services.

Whether an insurance company's product is worth buying varies from person to person, mainly depending on whether it meets the needs of the policyholder and the cost performance of the product. For the allocation principles of different products such as critical illness insurance, accident insurance, medical insurance, life insurance, and annuity insurance, it is generally necessary to protect personal risks first, and then consider education and pension planning.

Test your anti-risk index, experts will interpret it for you for free!

Hello! Ping An Insurance is not only well-known in China, but also ranks high among international insurance companies. Many people will carefully compare insurance protection and cost performance when buying insurance, and will give priority to the products of large companies, so is it necessary to buy Ping An Insurance?

Let's look down:

1. Is Ping An Insurance reliable?

1. Look at the background of the insurance company.

Founded in 1988, Ping An Group has been established for a long time and has developed into a financial services group integrating financial and insurance, banking, investment and other financial services. Ping An Insurance Group is a Fortune Global 500 insurance company, ranking 16th in 2021, and its strength is very strong. Ping An Property & Casualty Insurance, Ping An Life, Ping An Health and Ping An Pension are all wholly-owned subsidiaries of Ping An Group.

2. Look at the company's solvency.

Solvency refers to the ability of an insurance company to repay its debts, and it is a measure of whether the insurance company has sufficient capital to compensate and pay capital when it encounters risks. Therefore, when considering whether the insurance company is reliable, it can be used as a reference factor.

Judging from Ping An's solvency data in recent years, whether it is Ping An Life, Ping An Property Insurance, Ping An Health, or Ping An Pension, their solvency has reached the standard, and how to make the requirements of the China Banking and Insurance Regulatory Commission worthy of trust.

3. It is difficult to see if the company claims are difficult.

Ping An Insurance has many offline outlets, and it is very convenient for consumers to handle insurance business and claim claims. In addition, Ping An also provides flash compensation services, which can be applied for on the "Ping An Gold Butler" app. Generally, as long as the claim requirements agreed in the contract are met, the insurance company will settle the claim according to the agreement.

Whether it is necessary to buy Ping An insurance mainly depends on your own protection needs and premium budget, and the following is from the perspective of critical illness insurance.

1. From the perspective of premium budget.

If you buy Ping An Life's critical illness insurance,** it is higher than the Internet critical illness insurance, so it is suitable for families with sufficient premium budgets.

2. From the perspective of security.

Ping An Life has a lot of critical illness insurance, such as Shengshifu Zunyue, Shengshifu Youyue, Guardian 100% 21, etc., although it is not close to the people, but the protection is still very good, the core protection is complete, and the definition of disease is relaxed, which is more conducive to claims, and there are also a number of additional liability flexible insurance, which can meet the protection needs of different groups of people.

If you want to know what products are worth buying, you can click to make an appointment for 1-to-1 insurance planning services, and the insurance brokers will provide you with professional advice, or you can scan the following *** for consultation.