How to increase the amount of critical illness insurance with Ping An Zhiying Whole Life Insurance

Have you paid continuously, if not, you have to pay all the previous premiums. There are two ways to increase the sum insured: the first is to increase the premium, the premium is 6000 on the basis of saving more to the insurance company, and the sum insured will be increased equally, but in this short term, there is no investment management of the insurance company, there is no profit, it is your own money.

The second is to provide a certificate of good health without paying premiums, and you can increase it to the amount of coverage specified by the company without additional payment (how high it can be adjusted depends on your age and other factors).

According to the regulations of the China Insurance Regulatory Commission, the sum insured of additional critical illness insurance shall not exceed the premium of the main insurance!

You can increase the premium to increase the amount of the main policy, and then the amount of the rider will go up too!

Just find your ** person to fill out a list.

At the same time you pay the fee, you can apply for an increase in the amount of insurance, you can handle it at the counter, if you open a safe account, it is easier to adjust it yourself online, if you are over 41 years old, the company will require a physical examination, and good health is the premise.

What you need to know when buying universal insurance:

1. Different from bank deposits, because universal insurance charges an initial fee, the first year is 50% of the premium, so the account value has shrunk greatly, even if you give you 5% of the income every year, the account value in the first 10 years is basically negative, friends who fancy the financial function of universal insurance should not ignore this;

2. In addition, the protection cost of the basic sum insured and the critical illness sum insured is increasing year by year, taking a 30-year-old woman as an example, the protection cost of the critical illness sum insured is only 180,000 yuan, 40 years old, 50 years old, (it is purely a lie to say that critical illness is given for free), and it has grown rapidly since the age of 60, so there will be no benefit from buying universal insurance after the age of 35; If you are a longevity star, you must pay a premium every few years after the age of 60 to keep the policy in force.

3. The universal insurance of many insurance companies seems to have good income on the surface, but the compensation is the greater of the insured amount and the account value, when your account value exceeds the insured amount, the compensation is your own money, and some of the fees to be charged every year cannot be less, and you are not negotiable;

4. The strength of insurance lies in protection, financial management is a weakness, and financial insurance is basically not as good as a 5-year bank deposit (at least 25 years).

Negotiate with your insurer** to increase the sum insured The sum insured for critical illnesses increases as you add premiums.

It's really not necessary, it's better not to withdraw money from the insurance account, how much to withdraw, how much to reduce the amount of insurance.

Conversely, if you want to increase the sum insured, you can increase the premium through negotiation.

Don't know how many years you've paid your bills? The premise of increasing the sum insured is that all the fees payable for the current period and previous years are paid.

Ping An Zhiying Life is one of the universal insurance policies with a high share of the stock policy, and the product is more complex, not only with life insurance protection, but also usually with a critical illness protection.

There are 58 types of Enrich Life Critical Illness Benefit. The China Insurance Regulatory Commission (CIRC) stipulates that critical illness insurance must include 28 common critical illnesses, and these 28 critical illnesses account for more than 95% of all critical illness insurance claims. So don't worry about incomplete critical illness coverage.

1. Severe malignant tumor.

2. Severe acute myocardial infarction.

3. Severe sequelae of stroke.

4. Major organ transplantation.

5. Coronary artery bypass.

6. End-stage renal disease.

The above 6 diseases have the highest incidence among the 28 diseases, accounting for 80% of annual claims.

7. Multiple limbs are missing.

8. Acute severe hepatitis.

9. Severe non-malignant intracranial tumors.

10. Severe chronic liver failure.

11. Sequelae of severe encephalitis or sequelae of severe meningitis.

12, deep coma.

13. Deafness in both ears.

14. Blindness.

15. Paralysis.

16. Heart valve surgery.

17. Severe Alzheimer's disease.

18. Severe brain injury.

19, severe primary Parkinson's.

20. Severe third-degree burns.

21. Severe idiopathic pulmonary hypertension.

22. Severe motor neuron neuropathy.

23. Loss of language ability.

24. Severe aplastic anemia.

25. Aortic surgery.

26. Severe chronic respiratory failure.

27. Severe Crohn's disease.

28. Severe ulcerative colitis.

Ping An Outsmart Life Critical Illness includes 28 types of critical illnesses for boys and 30 types for women.

Eight major diseases of male twenty fierce lead ants:

1. Malignant tumors; Acute myocardial infarction.

sequelae of stroke; Major organ transplantation or hematopoietic stem cell transplantation; coronary artery bypass grafting (also known as coronary artery bypass grafting); End-stage renal disease (also known as chronic renal failure uremia.

period); multiple limb missing; Acute or subacute severe hepatitis.

benign brain tumors; decompensated chronic liver failure; Sequelae of encephalitis or sequelae of meningeal water. What are the 100 major diseases?

2. Deep coma; deafness in both ears; blindness in both eyes; Paralysis; heart valve surgery; Severe Alzheimer's disease.

severe brain injury; Severe Parkinson's disease.

severe burns; severe primary pulmonary hypertension; Severe motor stimulation volcanic neuron disease.

loss of language ability; severe aplastic anemia; aortic surgery; severe multiple sclerosis; Severe type 1 diabetes.

Severe primary cardiomyopathy.

Thirty major diseases in women:

1. Malignant tumors; Acute myocardial infarction. sequelae of stroke; Major organ transplantation or hematopoietic stem cell transplantation; coronary artery bypass grafting (also known as coronary artery bypass grafting); end-stage renal disease (or chronic renal failure, uremia); multiple limb missing; Acute or subacute severe hepatitis. benign brain tumors; decompensated chronic liver failure; Sequelae of encephalitis or sequelae of meningeal water.

2. Deep coma; deafness in both ears; blindness in both eyes; Paralysis; heart valve surgery; Severe Alzheimer's disease. severe brain injury; Severe Parkinson's disease. severe burns; severe primary pulmonary hypertension; severe motor neuron disease; loss of language ability; severe aplastic anemia; aortic surgery; severe multiple sclerosis; Severe type 1 diabetes. Erosive grape branch implantation (also known as malignant molar pregnancy); Systemic lupus erythematosus.

complicated by severe renal impairment; Severe primary cardiomyopathy.

Ping An Life's Superior Life Master Insurance is a universal whole life insurance that can be supplemented with prepaid critical illness insurance and one-year accidental medical and accidental injury insurance. This Advance Critical Illness Insurance only covers critical illnesses and does not cover minor illnesses. The critical illness part is only paid once, and after the critical illness is paid, the critical illness contract is terminated, and only the whole life insurance part remains.

It contains 30 types of critical illnesses, including 25 types of high-incidence critical illnesses and another 5 types of critical illnesses stipulated by the China Insurance Regulatory Commission.

I don't think there is much to say about the main insurance whole life insurance, the insured dies, and the insurance company pays the sum insured to the beneficiary. Generally speaking, the purpose of buying whole life insurance is to pass on assets to future generations. Universal whole life insurance is to configure a universal account for you, and the money in the universal account is rolled over in the form of compound interest.

Therefore, the sum insured of the universal whole life insurance will gradually increase.

Additional critical illness insurance paid in advance means that the insured has a critical illness, and the insurance company has paid a partial part of the insured amount of the critical illness, and the sum insured that has been paid must be deducted from the total sum insured.

1. Malignant tumors;

2. Acute myocardial infarction;

3. Sequelae of stroke;

4. Major organ transplantation or hematopoietic stem cell transplantation;

5. Coronary artery bypass grafting (or coronary artery bypass grafting);

6. End-stage renal disease (or chronic renal failure, uremia stage);

7. Multiple limbs are missing.

8. Acute or subacute severe hepatitis;

9. Benign brain tumor;

10. Decompensated stage of chronic liver failure;

11. Sequelae of encephalitis or meningitis;

12, deep coma.

13. Deafness in both ears.

14. Binocular insomnia;

15. Paralysis.

16. Heart valve surgery.

17. Severe Alzheimer's disease;

18. Severe brain injury.

19. Severe Parkinson's disease;

20. Severe burns;

21. Serious primary pulmonary hypertension before Yan Han stupid;

22. Severe motor neuron disease;

23. Loss of language ability.

24. Severe aplastic anemia.

25. Aortic surgery.

26. Severe multiple sclerosis;

27. Severe type diabetes;

28. Erosive molar pregnancy (omen or malignant molar pregnancy).

Note: Female-specific;

29. Systemic lupus erythematosus complicated by severe.