/kloc-Adults aged 0/8-55 can apply for Ping An Fu. In addition, there is a very important condition, that is, health notification. Regarding the specific content of health notification, you need to look at the detailed provisions of the terms or consult the business personnel of the insurance company. You may not know much about Ping An Fu either. Please refer to my detailed introduction of Ping An Fu below to see if it meets your needs. It would be better to consult the insurance company if you think it is appropriate.
Ping An Fu is a critical illness insurance product from Ping An, China, which has been upgraded every year since its launch. Ping An Fu 20 is the latest version. I have done a little research on this product before, and found that the upgrade of the new version has not changed much? Read this article for details: Top Ten Insurance Companies' Hot Critical Illness Insurance Inventory!
What did Ping An Fu 20 specifically upgrade? Let's see how it compares with the previous version:
As can be seen from the above figure, compared with the previous version, Ping An Fu 20 has almost no change in protection, except for the cancellation of long-term accident insurance sales.
But the shortcomings are not upgraded! The following disadvantages are obvious:
1. Incomplete protection: there is no protection for traditional Chinese medicine. At present, many similar products have provided protection for traditional Chinese medicine.
2. The proportion of compensation is low: the amount of compensation for minor illness is 20% of the basic insurance coverage, which is very low.
3. The setting of cancer compensation is poor: Ping An Fu 20 suffers from cancer for the first time, and it will take five years to get cancer protection again; If you suffer from a serious non-cancer illness for the first time, you can directly terminate the contract. Youpin is suffering from cancer for the first time and can be paid again after 3 years; Cancer compensation can be obtained after 1 year if you suffer from non-cancer serious illness for the first time.
4. Exemption is not included: If Ping An Fu 20 is not added, there will be no protection for minor illness exemption. If it is added, the price of insurance will be higher. Excellent critical illness insurance products can have this kind of protection almost without adding.
To sum up, Ping An Fu 20 is average. If the insurance budget is not much, you can also choose other excellent and low-priced critical illness insurance products.
Don't be afraid to find products very tired. After evaluation, I have sorted out some high-quality critical illness insurance products. You can refer to the >> Top Ten Insurance Companies' "Worth Buying" popular critical illness insurance inventory!