I bought Ping An Xinsheng Whole Life Insurance Participating , please help me analyze it with frien

Hello: The combination is not bad, and the lack of medical insurance is mainly solved by medical reimbursement. If the financial conditions are able, it may be more complete to increase the critical illness quota + hospitalization allowance. Peace be upon you!

Hello friends, thank you for your trust and support to Ping An, this is a good [medical insurance card] Xinsheng product, the combination is good, but the protection is not enough, which is related to the premium you pay, it is recommended to increase the amount of insurance in the main insurance, increase the amount of critical illness, 10 daily hospitalizations, and 20,000 accidental medical treatment. In this case, the premium will increase. I don't know what your financial situation is, welcome to click on my avatar to contact, it is my responsibility to explain to you, you have a suitable protection I will be happy for you.

Wishing happiness and peace.

Hello: insurance is the best for yourself, I calculated your annual premium of 2270 yuan, according to the principle of insurance insurance is 10%-20% of the annual income to carry out, you can estimate it. Secondly, Xinsheng is a low-premium and high-protection product of Ping An.

It is suggested that the serious illness medical treatment and Italian medical treatment can be adjusted relatively higher.

Hello! Your group of Ping An Xinsheng product portfolio is very good, and the payment time is also better, you are 35 years old this year, 30 years of payment, to you 65 years old. Just solved your medical treatment.

Major illnesses, minor illnesses, and accidents are all covered, and the premium is not high. Your ** person recommended you very well.

Hello! Thank you very much for your trust and support! The set of products you buy includes: critical illness, accident, accidental medical treatment, inpatient medical treatment, Xinsheng is a low premium and high protection product, and the total payment is only a little more than 2,000, which is a better combination!

If the economic conditions allow, you can consider making the main insurance and critical illness insurance amount more than 100,000.

Hello: I am Zhou Xiaonan, customer service of Ping An Insurance Jinan Branch, and I am happy to serve you. Every product of every company is a good product and is only marketed after strict approval, but every good product has the right customer.

Ping An ranked 147th in the 2011 Forbes Top 2000 Global Listed Companies, 107th in the Financial Times Global 500, and 328th in Fortune Magazine's Top 500 Global Leaders, becoming the No. 1 non-state-owned enterprise in Chinese mainland on the list. The tree is good for cooling, so the company is big, the interests are good, and the customers can have benefits, right? Choosing a company is very important, because just like when you buy a car, the same is why the price of the car is different, the money to buy Buick can't buy Mercedes-Benz, the brand is very important!

After reading the previous review, there are already so many reviews, I didn't want to talk about anything more. But there is still an impulse: 1. The design of the insurance amount is not high, and it is estimated that this should be related to the amount of payment you require, right?

2. The protection is relatively comprehensive, and I personally think it is worth talking about: the purchase of healthy life is 4 copies, which is a very forward-looking design. 4 Healthy Life can be reimbursed up to 12,000 at one time for hospitalization expenses, which may be relatively high for now, which seems to be a bit excessive, but with the gradual increase in medical expenses, its advantages will be slowly reflected.

3. Let's talk about the shortcomings: the biggest problem with this policy is that the payment period is designed to be 30 years. You are already 35 years old, and you will be 65 years old by the time the contribution period expires.

Why can't it be designed to be paid for 20 years? Maybe it's because of the amount of annual payment?

Hello friends; We are happy to advise you! This is a great combination of medical insurance with low premiums and comprehensive coverage. You are 35 years old, you have paid for 30 years, and the rider can be up to 65 years old.

Enjoy Life A is a reimbursement for hospitalization without social security, 80% of each reimbursement; Accidental medical treatment: 100% reimbursement for accidental medical treatment (including outpatient treatment) of more than 100 yuan. The only thing is that the protection amount of critical illness insurance is low, and if the economic conditions allow, it is recommended to increase the sum insured of critical illness and life insurance when conditions permit. If the current premium budget situation cannot be increased only in this way, then it can be done first.

Hopefully, the above tips will help you! We wish you and your family a lifetime of good health! Happiness! Peaceful!

Hello! Insurance products have their own characteristics, and they are not good or bad, the key is to suit them. Picking a product without figuring out what you need can be cumbersome and difficult to pick the right one.

Buying insurance is the same as buying other things, first clarify what you need, and then find the right product according to your needs, and the probability of buying the wrong one is much smaller. A professional ** person is very important. **People can help you analyze, how much to buy, what insurance to buy, how much is the reasonable premium, etc., to buy insurance should be different from person to person, tailor-made, and within your means.

Specific products need to understand your situation in order to give you the right advice. Reference: Analysis of the protection needs of single white-collar workers Urban white-collar workers demand pure protection insurance.

It's okay, this insurance depends on the actual situation of the individual.

Hello, this is a combination of low payment and high protection, the specific situation is 1 personal protection 10,000 lifetime accidental death 10,000 + 50,000 2 critical illness 40,000 lifelong 3000 hospitalizations, 1,500 surgeries, 10,000 organ transplants4 accidental medical treatment 10,000 years medical expenses incurred due to accidents more than 100 yuan reimbursement of reasonable expenses within the scope of medical insurance within a year to a cumulative limit of 10,000 I hope to help you I wish you peace.

Hello Ping An customers! This is a very good medical insurance package, and the protection is so comprehensive in the case of such a low premium, which proves that this salesman is also more professional. You are 35 years old, you have paid for 30 years, and the rider can be up to 65 years old.

If you are under pressure to buy outsmart in the early stage, it is recommended that this plan is worth having! The plan is improved step by step, and the guarantee will be made a little higher if there are conditions in the future! Wishing you health and peace!

Hello! The important thing about buying insurance is protection. The amount of insurance for 35-year-olds is too small, and the amount of insurance for minors can be about 50,000 yuan, and the amount of insurance for adults should be about 100,000 yuan.

This insurance is good for as long as you feel it suits your needs. Every insurance company has a good insurance product, and you can also go to our insurance **people's insurance** to learn about it if you have time.

Hello! According to the information you provide, it is recommended to: 1. Excuse me:

Why should you buy insurance? 2. Does this insurance plan solve your concerns, and if so, this plan will do. Not the other way around.

3. This insurance plan is a comprehensive health and medical comprehensive insurance that covers: critical illness benefit, accidental injury benefit, accidental medical benefit, and hospitalization medical benefit.

The protection is relatively comprehensive, cheaper than social security contributions, and more cost-effective. The 30-year payment period may be designed to take into account your rider benefits. In addition:

Although this is all, it is only for basic protection, from your age, you should be the head of the family, I don't know what your protection gap is? Is the sum insured sufficient? In the future, when the economy is prosperous, you can pay social security for more protection.

Dear customers, Hello! It's an honor to serve you! I'm Zhang Zhen from Beijing, and the design is quite comprehensive and can be considered.

The protection is very comprehensive, if your premium expenditure is only at this level, it is a very reasonable match, but according to the current level of medical expenses in society, in fact, the protection is not high enough, if the conditions allow, it is recommended to buy Zhisheng, pay for 20 years, 4000---6000, the protection will be higher.

Hello! First of all, thank you very much for your trust and support for Ping An! The product you bought is a very good health insurance card:

Accidents, hospitalizations, critical illnesses, and dividends are available every year, and the characteristics of this product are: low premiums and high protection, and the best choice is to pay within 4,000 yuan!

Hello! The payment period of this insurance design is reasonable, and the accident and health hospitalization expenses are also relatively reasonable, the only thing is that the critical illness protection is a bit low, if the economic conditions are acceptable, you can consider increasing it appropriately; Wishing happiness and peace.

Hello, your insurance is indeed more comprehensive, but the amount of protection is too small, as a man who is the breadwinner of the family, such an amount can not protect the family, if the economy allows, you can increase the protection a little.

Dear friends, Hello, this insurance plan is very comprehensive and meets your insurance needs, so feel free to buy it. That is, critical illness and the sum insured can be increased if conditions permit.

This set of plans is also very good, but there is one point, you feel that 40,000 yuan for critical illness is enough, I personally think that at your age, you can appropriately increase some critical illness insurance, about 100,000 yuan,

Hello! It's very good This price guarantee is OK, but it is recommended to add 20,000 yuan for accidental medical treatment, and add 10 or 15 copies to the daily amount of hospitalization (lost work expenses), and you can handle the preservation business.

Hello! The insurance configuration of this program is basically more comprehensive, focusing on hospitalization reimbursement, and it is recommended to increase the amount of accident insurance, 50,000 is far from enough.

Hello, this policy is very good, ** people think for you is still very comprehensive, low premium, high protection, no need to hesitate, you can buy this.

From a medical security point of view, this protection is very comprehensive. However, it is still recommended to improve social security first, and then supplement it with commercial insurance.

Hello, a great combination. If conditions permit, it is recommended that the critical illness insurance be increased to about 200,000 to wish you peace!

Hello, thank you for your attention to sunflowers, the combination is good, very comprehensive, you can buy with confidence, thank you.

Summary. Hello dear, it is a pleasure to serve you <>

Ping An Xinsheng Whole Life Insurance 2012 Participating Type is very reliable. Ping An Xinsheng is a combined insurance product, the full name is Ping An Xinsheng whole life insurance dividend, its insurance is a life insurance with dividends, so there are dividends, but also death protection, additional critical illness insurance in advance, so there is also critical illness protection, the two of which form a perfect protection for each other, and also provide a full range of protection for the insured.

How about Ping An Xinsheng Whole Life Insurance 2012 dividend.

Hello dear, it is a pleasure to serve you <>

Ping An Xinsheng Whole Life Insurance 2012 Participating Type is very reliable. Ping An Xinsheng is a combined insurance product, the full name is Ping An Xinsheng whole life insurance dividend, its insurance is a life insurance with dividends, so there are dividends, but also death protection, additional critical illness insurance in advance, so there is also critical illness protection, the two of which form a perfect protection for each other, and also provide a full range of protection for the insured.

Extended information: This insurance product is similar to the current Ping An Xinsheng general content, the same is to protect critical illness, there is death protection, there are also dividends, but at the level of critical illness, it can protect 30 kinds of critical illness, it is very likely that the protection of critical illness is not as good as today, and because of the correlation of consumption level, the insurance amount at that time is likely to be average, but at that time, it was a very good insurance product. However, it is not recommended to dismantle and replace, the rate of insurance replacement is rapid, and the insurance you return to replace may also be outdated after you put it in, and the continuous return of insurance replacement insurance can only lead to economic losses to yourself.

There is also the risk of the end of the protection xing, you know, after the withdrawal of insurance, the original own protection, will also fade with the return of insurance, at this moment, if in case of risk xing, then any loss must be borne by themselves, the purpose of buying insurance is to better give relatives and themselves a protection, if purely because of fashion to buy, then it is contrary to people's purpose.

Xueba talks about insurance, focusing on insurance evaluation! The comparison table between the 35 participating insurance products and the 101 hot-selling critical illness insurance products is here35 participating insurances and 101 hot-selling critical illness insurance products are PKParticipating insurance, in fact, is a sum of your money, part of the purchase of protection, part of the investment, just like many people think, financial protection is not wrong.

In fact, many consumers are attracted by the dividend function of the dividend insurance but have bought the friends of the dividend insurance, have you really received the "red"? Anyway, I haven't seen anyone actually make a significant profit.

First, there is uncertainty about how much policy dividends can be distributed.

Second, the dividend pool is not transparent.

The existence of these two characteristics makes the dividends that customers can get an unknown, and therefore makes the dividend insurance the most complained about by everyoneParticipating insurance has such a high complaint rate?! It's all made clear.

The income and dividend methods of participating insurance are extremely complex, and even insurance practitioners are difficult to do, so as a novice, don't challenge such a high degree of difficulty!