1. What is "Ping An Fu"?
On weekdays, the "Ping An Fu" refers to the "Ping An Fu Health Protection Plan" launched by China Ping An Life Insurance Company of China Insurance Company:
Among them, the additional risks "long-term accidental injury" and "early payment of critical illness insurance" must be bundled with the main insurance "Ping An Fu whole life insurance", and it is up to you to decide whether to buy the other four additional risks.
"Ping An Fu Health Protection Plan" basically covers the risks involved in life insurance: death, serious illness, accidents and medical treatment; The coverage is indeed "big and complete". But if we directly solve the risk protection we need in our life through such a policy, what is the cost performance?
Second, the price/performance ratio of "Ping An Fu"?
Cost-effective, cost-effective, of course PK, only the right to speak.
Below, the products of the same insurance company and the Ping An Fu health protection plan matched with the products of different insurance companies are combined for PK:
Because of the large amount of information, in order to facilitate everyone's understanding, the security items are divided and compared:
(There are no identical products, only products with high similarity, so the following PK is based on products with similar structure and function. )
In terms of serious illness and death protection: the protection provided by Haikang Jian Kang's life critical illness insurance basically covers the general protection of Ping An's three products; Generally speaking, the coverage of disease protection for a healthy life is slightly higher than that of Ping An's critical illness insurance, and the premium exemption conditions are also looser than Ping An's. In case of minor illness, the premium can be exempted. In addition, the premium is probably cheaper than the total cost of Ping An's three products (106800+57000+1494.54-129000) = 36300.
Accident protection: Ping An's accidental death and disability protection is 250,000 yuan, and Taikang's is 300,000 yuan; In terms of public transportation and self-driving protection, the amount of protection for both is 500,000 yuan; The medical deductible for accidental injury is 100 yuan; In addition, Taikang has more protection for accidental hospitalization allowance.
In terms of price, since Ping An's long-term accidental injury protection is 70 years old, it is assumed that other accident insurance can cover 70 years old. Under the basic equal guarantee, the total premium of two kinds of accident insurance in Taikang is about (8316+25000-20760.6) =13000 yuan cheaper than that in Ping An.
In terms of medical security, medical insurance provides 80% reimbursement of medical expenses, and dandelion can only be reimbursed for emergency treatment, but the probability of reimbursement for emergency treatment will be higher than hospitalization. In terms of hospitalization allowance, the hospitalization allowance for dandelion will be increased in the number of days of hospitalization to ensure the hospitalization allowance for serious illness; However, the total cost of Taikang's two products is slightly lower than that of Ping An, and it is cheaper (125+85-200)= 10 yuan.
Third, do you want to buy "Ping An Fu"?
To sum up, the safety of Ping An Fu seems to be "big and complete", but the safety content in the bag can't stand scrutiny and comparison. If we adopt the way of product combination configuration, we can get higher protection at a more affordable price.
Therefore, when allocating insurance demand, if you want to directly solve all the needs of life through an insurance policy like Ping An Fu, the cost is huge: first, the cost is high, and second, you miss other better products.
The way of product portfolio configuration is obviously more cost-effective, but it needs certain information resources and energy. Of course, the most time-saving and labor-saving thing is to find a chick directly.
For more questions about insurance, come to snail insurance and ask me ~