Ping An Fu Insurance and Xinsheng, how about Ping An Xin Fuxing Insurance

Ping An Fu is a flagship product named after Ping An Company, and now there are very guaranteed products in the world that can be more perfect than him!

Xinsheng is a dividend-paying product, and children are also worth it, with critical illness insurance, it is known as an "evergreen" that will grow up

1.It's okay to compare. Ping An Xin Fuxing is a new type of term critical illness insurance product that can provide lifelong protection, but the content of the protection is very simple.

The stipulation liability only covers critical illness and death benefits, and requires the addition of minor illness benefits. There are only 10 types of mild illnesses, and only 20% of the basic insurance amount can be paid each time, and the protection is average. The highlight of this product is that it covers high-incidence and mild cases, and carcinoma in situ is also within the scope, and carcinoma in situ is not a malignant tumor (mild).

In this way, malignant tumors (mild), carcinoma in situ and ** carcinoma have the opportunity to compensate without affecting each other.

2.Ping An Xin Fuxing Critical Illness Insurance, the insurance threshold is relatively low, and you can start applying for insurance if you are more than 1,000 yuan. However, due to the different age, gender and payment period of the insured, the sum insured of 1,000 yuan is also different.

Therefore, it is impossible to generalize how much Ping An Critical Illness Insurance has to pay in a year, but if you don't want to buy too much critical illness insurance, it is possible to reach the minimum standard of 1,000 yuan, and the sum insured is calculated according to the premium.

Extended Materials. 1.Insurance means a guarantee of safety and reliability; It is a tool for planning life finance, a basic means of risk management under the conditions of market economy, and an important pillar of the financial system and social security system.

Insurance refers to the commercial insurance behavior in which the policyholder pays the insurance premium to the insurer in accordance with the contract, and the insurer bears the liability for the property damage caused by the accident that may occur as agreed in the contract or the insured. The insured shall be liable for the payment of insurance benefits in the event of death, disability, illness, or reaching the age, time limit and other conditions agreed in the contract.

2.From an economic point of view, insurance is a financial arrangement that amortizes unexpected losses; From a legal point of view, insurance is a contractual act, which is a contractual arrangement in which one party agrees to compensate the other party for losses; From a social point of view, insurance is an important part of the social and economic security system and a "subtle stabilizer" of social production and social life. From a risk management perspective, insurance is a risk management approach.

3.China Insurance: On November 20, 1929, Taiping Insurance Co., Ltd. was established in Shanghai and set up several branches in China, Hong Kong and Southeast Asia.

It became a strong national insurance company in China's insurance market at that time. On October 20, 1949, the Chinese People's Insurance Company was established in Beijing, announcing the birth of the first large-scale national comprehensive state-owned insurance company in New China. In 1956, Taiping closed its domestic operations and specialized in overseas business.

In December 1958, the National Financial Conference formally decided to suspend domestic insurance business.

According to the subject's question, the senior sister found that after consulting the relevant information, the subject should know about this Ping An Xin Fuxing critical illness insurance under Ping An Life of China, the advantages and disadvantages of this product are remarkable, and then the senior sister will give you a brief introduction to this Ping An Xin Fuxing critical illness insurance.

What illnesses are covered by critical illness insurance? If you don't know these, don't buy them randomly!

Come straight to the point! Directly send the evaluation chart of this Ping An Xin Fuxing Critical Illness Insurance, as shown below:

The following senior sister will directly give the evaluation results:

1.Short waiting period.

As can be seen from the above evaluation chart, the waiting period for this Ping An Xinfuxing critical illness insurance is 90 days. This waiting period is relatively short, for the products in the ranks of major illness insurance, most of the critical illness insurance waiting period is 180 days, while this Ping An Xin Fuxing critical illness insurance is only 90 days, and it also provides lifelong protection.

It is important to know that the shorter the waiting period of an insurance product, the more beneficial it is to the insured, especially for critical illness insurance; If the waiting period is shorter, the sooner the coverage will take effect and the sooner the insured person will be fully covered.

Seeing this, if you have questions about critical illness insurance, you may wish to take a look at this:

Which is the best critical illness insurance, how to buy it cost-effectively, and teach you to avoid these pitfalls of insurance.

2.The content of the guarantee is single.

Ping An Xin Fuxing Critical Illness Insurance provides critical illness protection, which can cover 100 types of critical illnesses, and if the insured has an insured accident and meets the conditions for compensation, he or she can get the basic sum insured agreed in the main insurance contract.

In general, the key factor of a good critical illness insurance is that the protection must be complete, including at least the three basic benefits of mild, medium and severe diseases; However, compared with this Ping An Xinfuxing critical illness insurance, it can be seen that this product only has severe disease protection, and lacks mild and moderate illness protection; Therefore, the protection content of Ping An Xinfuxing Critical Illness Insurance has not been fully considered, and there is still room for improvement.

After reading so much, if there are friends who want to buy critical illness insurance, then the following article can be collected and read:

Top 10 Popular Critical Illness Insurance Points Worth Buying!

Hello, Ping An Xinfuxing is a new type of phased critical illness insurance product, which can provide lifelong insurance, but the insurance content is very simple. Mandatory liability only includes major illness and death insurance, and additional minor illness insurance is required. Moreover, there are only 10 kinds of minor diseases, and only 20% of the basic sum insured can be paid at a time, and the insurance strength is average.

Questions. What are the ten types of minor illness insurance you mentioned?

Dear, there are no ten types of insurance, but you can go to the insurance amount according to your own needs, for example, we need to be hospitalized for reimbursement, or if you have a cold, you can carry out the insurance amount.

Questions. Is there a limit to the hospitalization fee? For example, it must cost 10,000 yuan to report, otherwise it will not be reported.

Dear, there is no limit on the amount, but he is a critical illness insurance, so it will basically be reimbursed if he is hospitalized for critical illness.

Summary. Hello, this is a very good insurance. Because no matter what insurance company it is, as long as he launches this corresponding financial insurance, he can buy it, and the corresponding profit margin is also very good.

Hello, this is a very good insurance. Because no matter what insurance company it is, as long as he launches this corresponding financial insurance, he can buy it, and the corresponding profit margin is also very good.

52 years old, 30,000 yuan insured, 5,353 yuan a year, 20 years, can I buy it?

20 years is a bit too much, and if you are your age, you can basically pay 5 or 10 years.

In addition, your sum insured is too small, and you have to adjust the sum insured.

Adjust the sum insured and the number of years, whether it is more to pay the annual fee.

Of course, because your age is relatively old now, if the sum insured is too low, in case there are other circumstances in the future, this insurance will not be able to play a corresponding role.

Jin Xinsheng is a combination of the main insurance and the additional insurance, the main insurance is Jin Xinsheng whole life insurance, the additional insurance is Jin Xinsheng critical illness insurance (can also be called "Ping An additional Jin Xinsheng 18ii"), and the additional insurance is critical illness insurance. Since Ping An Fu is a critical illness insurance, I will analyze the respective advantages of Jin Xinsheng Critical Illness Insurance and Ping An Fu.

When it comes to insurance companies, everyone will immediately think of Ping An, but even such a powerful insurance company is not necessarily perfect, there may be routines, everyone should pay attention to avoid, before I summarized the analysis of Ping An Insurance Company of China for you You can collect it:Want to buy insurance at Ping An? Let's understand the common routines of Ping An first?

So in order to give you a more comprehensive understanding of this product, I will analyze the advantages and disadvantages of these two products together.

Comparing the two products together, both have their own greater advantages:

1. Jin Xinsheng's more obvious advantages:

Covers a wider range of ages: Jin Xinsheng's insurance age is 28 days to 60 years old, and Ping An Fu 2020's insurance age is 18 to 55 years old, which shows that Jin Xinsheng covers a wider range of insurance ages.

2. More obvious advantages of Ping An Fu 2020:

More flexible insurance options: Jin Xinsheng is an additional insurance, which must be insured together with the main insurance; Ping An Fu 2020 can be insured separately. Overall, Ping An Fu 2020 is more flexible in terms of insurance methods.

Provides coverage for minor illnessesHow strong are these two products compared to most critical illness insurance products on the market?

Take a look at this comparison table:Comparison of critical illness insurance such as Ping An Fu 2020, Jin Xinsheng, and Darwin No. 3

Compared with other products on the market, these two are still uncompetitive, mainly reflected in:

1. Compared with Ping An Fu 2020, Jin Xinsheng's insurance age has an advantage, but compared with the insurance products in the entire market, the advantage is no longer there. There are many critical illness insurance products on the market, and you can find products with a wide range of insured age coverage, such as these popular critical illness insurance products:Top 10 Cheap and Good Price Critical Illness Insurance** Points!

2. Compared with Jin Xinsheng, the "mild illness protection" and "multiple compensation for cancer" provided by Ping An Fu 2020 can be regarded as advantages. However, compared with most critical illness insurance on the market, the two advantages of Ping An Fu 2020 are no longer advantages, and have basically become the standard configuration of most critical illness insurance products.

In generalAs a big brand, Ping An launched these two products are relatively reliable, but they are not suitable for everyone to buy, and as a big brand, the products have a certain degree of brand premium, it is recommended that you compare the products of other companies. Hope.

Jin Xinsheng In terms of the scope of protection, the main insurance of this product is whole life insurance, which can be attached to critical illness (people who should buy it are generally attached to critical illness).

In terms of coverage and defects, it does not include minor illness, minor illness exemption, and of course does not include mild illness, so naturally there is no cost required for mild illness; For children, this type of benefit is not included in the policyholder's waiver.

From the perspective of insurance companies, it is underwritten by Ping An, it should be said that Ping An's brand is upstream in China, and there are more outlets, although online operations are becoming more and more convenient, but offline physical outlets will still give people a sense of security.

From the point of view, it is a more general product with the same protection in the market; You can go to some online platforms to compare a little.

Ping An Fulai is not small, it is the fist product of Ping An Insurance; After the product was launched, the sales were very high, and it also won many titles such as "the best insurance product" and "the most popular insurance product".

In addition to Ping An, there are many large companies, such as several xx life insurance, which are also selling such products. It's just a change of name, such as buying "Country x Fu", "Gold x Life", and "Fu x Times".

That's a good question indeed:

The crux of the matter is that these two products are indeed very similar.

The difference is mainly in mild serious illness and long-term accidents, which are safe and blessed, but Jin Xinsheng is not.

Jin Xinsheng's premium cost will be lower.

If you consider it from the perspective of cost, I personally think Jin Xinsheng is a good choice.

Ping An Fu is the most comprehensive protection in Ping An Insurance, with low premiums and high protection, and the most 53 diseases covered by critical illness insurance. There is also a double benefit for traffic accident death, and accident insurance is covered up to the age of 70. The main insurance is guaranteed for life.

The deficiency is that the principal is not protected, for example, the insurance may not be able to get back the principal after 30 years of the main insurance, critical illness insurance, and accident insurance.

The advantage of Ping An Insurance of China "Ping An Fu" is that it is the first market-oriented product with a rate, and the payment of the same sum insured is the lowest in the market. There are no advantages and disadvantages of insurance, only the difference between what is right for you and what is not for you. What suits you is the advantages, and what is not suitable for you is the disadvantages.

If you have to talk about the disadvantage, that is, minors under the age of 18 cannot be insured.

The defect of Ping An Fu Insurance of Ping An Insurance of China: because of the low contribution, there is no income, and it cannot be used as a pension. Only adults can purchase it.

Insurance Guide. Anxin Bao is a fixed-term insurance and cannot be guaranteed for life. It has a premium refund function and is a savings insurance. Premiums are more expensive than non-refundable products.

If you have a sufficient premium budget, you can choose Ping An Anxin Insurance to take into account both death and pension protection. As for whether this product is good or not, it still depends on the actual situation of the individual.

Hello, these two are not cost-effective.

1. Insurance age: Anxin Bao is suitable for people aged 0-55, that is to say, both children and adults can buy, and the insurance age of children Ping An Fu is 0-17 years old, which is only suitable for minors.

2. Critical illness: Anxin Bao mainly provides 45 kinds of critical illness protection, while Children's Ping An Fu can provide 80 kinds of critical illness protection, and Children's Ping An Fu can also provide 10 kinds of specific disease protection, once suffering from 10 specific diseases agreed in the contract, 1 times the sum insured will be paid independently.

3. Mild illness: Anxinbao does not provide mild illness protection, while children's Ping'an Fu can provide 20 kinds of mild illness protection, from this point of view, children's Ping'an Fu has a certain advantage.

3. Premium waiver: Anxin Bao does not have a premium waiver function, while Children's Ping An Fu comes with a premium waiver function for children's special diseases or minor diseases.

4. Malignant tumors: Anxin Insurance does not provide malignant tumor insurance protection, while Children's Ping An Fu can provide malignant tumor protection, and can also pay an additional 100% of the insured amount.

5. Return at maturity: When the insurance expires, all the premiums paid by the main supplementary insurance can be returned, and the protection period of children's Ping'an Fu is lifelong, that is to say, children's Ping'an Fu only provides protection and does not return the premium.