But can this 202 1 Ping An Liu Fu really be so great? Are there some undiscovered loopholes? Today, Senior Sister will give you a good evaluation ~ But before the introduction, you can learn about 202 1 Liufu Ping 'an through the following:
Ping An Liu Fu and the National Popular 136 Critical Illness Insurance Comparison Table
1.202 1 What are the advantages of Ping Liu Anfu?
Without further ado, let's take a look at the safety content map directly:
As can be seen from the above figure, in the case of 202 1 Ping An Liufu, the severe illness will be paid for 6 times, the moderate illness 1 time and the mild illness will be paid for 6 times. In addition, 202 1 ping an Liu fu also includes children's specific critical illness protection, death insurance, survival fund, safe running function and critical illness projects. What are the advantages of this 202 1 flat Liu An symbol?
1. A wide range of insured occupations
Many serious illness insurances in the market can only cover 1-3 or 1-4 occupational groups, but people engaged in high-risk occupations cannot be insured, such as firefighters, riot police, aerial workers, miners, riot police and so on.
However, 202 1 Ping An Liu Fu can insure 1-6 occupational groups, which opens the insurance authority for high-risk occupational groups and gives 5-6 high-risk occupational groups the opportunity to complete the critical illness insurance.
2. Repeated compensation for serious illness
Generally, Ping An Life Insurance Company of China's critical illness insurance only enjoys one payment. But 202 1, the maximum compensation for the six blessings and serious diseases of peace can be six times, which is a great progress!
202 1 Ping An Liu Anfu has 120 kinds of serious diseases, which are divided into 6 groups, and each group pays 1 time. The proportion of compensation is 100% of the basic insurance amount, but there is no extra compensation. Only after the exercise is qualified can there be an additional compensation of 5%.
The excellent critical illness insurance on the market pays multiple payments, such as Ruyi Golden Gourd (first edition). In fact, the extra payment ratio is 80%, and in terms of age, it is only necessary to diagnose the critical illness for the first time before the age of 60, and there are not many conditions. In addition, Ruyi Golden Gourd (first edition) also pays a maximum of 6 times, and the proportion of compensation increases by 20% in turn.
If you want to know more about the protection of Ruyi Golden Gourd (first edition), I suggest you refer to the following article:
Can I buy the critical illness insurance for the first edition of Ruyi Golden Gourd? Look here! 》
3. Reaching the exercise standard can increase the insured amount.
China Ping An Life Insurance Company of China Insurance Company does not have the same product as Ping An Run. If you meet the sports standards, you will get a certain percentage of insurance, which is a great benefit for people who love sports and can also encourage people to exercise more.
The terms in the contract stipulate that the insured must be at least 18 years old, and within two years after the policy comes into effect, it must reach the standard of 18 months, with at least 25 days per month, and the number of steps per day is not less than 1000. 5% for serious illness and 2.5% for mild illness. 1.
A total of 24 months, reaching the standard that the number of exercise steps per day is more than 65,438+0,000 for at least 25 days per month, with an additional insurance coverage of 65,438+00% for severe illness, 5% for moderate illness and 2% for mild illness.
2. What are the shortcomings of 202 1 Safe Liu Fu?
1. There is a time limit for multiple compensation for serious illness.
202 1 pingfu 1 serious illness can enjoy lifelong protection, with no age limit. However, the second to sixth serious diseases are only guaranteed until the age of 80. In other words, 202 1 Ping Liu Anfu's repeated payment for serious illness is not guaranteed for life, and it will become a serious illness before the age of 80.
You know, when you get older, your health is not as good as before, and you are more likely to get seriously ill. Many times in the market, you pay the critical illness insurance for life, and the 202 1 guarantee time is not so perfect. It can only be guaranteed until the age of 80, which is a big loss for consumers.
2. The protection of moderate and mild diseases is not strong.
Although 202 1 ping Liu Anfu provided protection for China's disease, the compensation ratio was 50%, but only 1 time was paid, and other critical illness insurance provided at least two payments. Relatively speaking, 202 1 Pingfu's protection for China's diseases is disappointing.
Moreover, for the insured with mild illness, 202 1 Ping An Liu Fu only pays 20% of the basic insured amount, which is really a bit too low to meet the market requirements, but it provides six payments. Excuse me, what may happen if the insured suffers from mild illness six times? It can be seen that 202 1 Pingfu is too careless in setting up mild diseases, and the protection is relatively small.
For example, Apollo 1, an excellent multi-payment critical illness insurance on the market, will pay for intermediate diseases for up to two times, each time paying 60% of the basic insured amount. If the first diagnosis is before the age of 60. You can get an extra compensation of 30% of the basic insurance amount, that is, you can enjoy 90% of the basic insurance amount at the highest.
For Apollo 1' s mild illness, you can pay up to three times, and each payment can only reach 30% of the insured amount. When the mild illness is first discovered, it is under 60 years old, and the extra compensation provided reaches 15% of the insured amount, that is, the maximum compensation is 45% of the basic insurance amount.
3. The exemption of diseases and mild diseases among the insured needs extra money.
Free premium is only provided by 202 1 Pingfu to the seriously ill insured, which means that after suffering from the first serious illness, you can enjoy the remaining premium exemption, and the protection is still valid.
However, most of the critical illness insurance in the market has its own exemption function for serious illness, moderate illness and minor illness. 202 1 it is not impossible for the insured with moderate and mild diseases to obtain the qualification of premium exemption, which will cost more than the original, thus increasing the exemption function of moderate and mild diseases and making the premium more expensive.
4. The survival money was received very late.
Generally speaking, when the critical illness insurance is returned, the premium can be returned at the age of 60 or 70, while it takes 80 years for 202 1 Ping An Liu Fu to receive the subsistence allowance, which is relatively late.
Moreover, there is also a prerequisite for receiving survival money, that is, there is no serious illness claim. As long as there is a serious illness, the survival fund will be gone.
In addition to these four shortcomings, 202 1 Pingfu has a "fatal" defect, which may fall into a trap if you are not careful:
"202 1 ping an Liu Fu critical illness insurance was heavily listed. I won't buy it for this! 》
Generally speaking, 202 1 has few advantages and obvious disadvantages. Senior sister suggests that you must carefully consider it and compare it with other compared critical illness insurance products. Only by shopping around can you choose the critical illness insurance that suits you best.
Write it at the end
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