Due to the limited space, this article will make more analysis:
"What about the product portfolio protection of Ping An Children's Million All Risks? Pay attention to these two points before insurance! 》
First, the content of Ping An Children's Million Guaranteed Product Portfolio is open!
Not much to say, let's analyze the safety map compiled by senior sister:
At present, as can be seen from this security map, there are still many advantages!
1. Short waiting time
At present, Ping An Children's Million Full Insurance Product Portfolio is mainly composed of Ping An E Life Insurance Million Medical (upgraded in 2022) and Ping An Critical Illness Insurance.
The guarantee waiting period of Ping An E Life Million Medical (upgraded version in 2022) is 30 days. Generally speaking, the waiting period of similar products on the market at present is 30/60 days. As you can see, the waiting period of this medical insurance is excellent.
Ping An critical illness insurance has a waiting period of 90 days, but the waiting period of similar products on the market is generally 90/ 180 days. Once compared, the waiting period of Ping An critical illness insurance is also more intimate.
The waiting period is actually a period of time after the contract comes into effect. During this period, if an insurance accident occurs, it is more likely that the insurance company will not pay the claim.
Therefore, the shorter the waiting period, the better, so that the insured can get all the protection earlier and effectively reduce the situation of not paying claims during the waiting period.
What should I do if I encounter danger while waiting? In some cases, you can also apply for a claim. See this article for details:
"The insurance company will not lose money during the waiting period? If you don't understand, you will suffer a big loss! 》
2. Proton heavy ion guarantee
Proton heavy ion technology is a kind of radiotherapy, which is internationally recognized as the most advanced radiotherapy technology, and can reduce the damage of healthy tissues on the premise of concentrated blasting of tumors.
Proton heavy ion is an excellent tumor treatment method, but it is very expensive and unbearable for ordinary families.
Ping An Children's Million All-insurance product portfolio has proton heavy ion protection, that is, when the insured reaches the contract threshold, he can apply to the insurance company for compensation, and the maximum compensation amount is as high as 4 million, which is really friendly to the insured's family.
3. Provide outpatient service and other guarantees.
Not only does it cover hospitalization and critical illness protection, Ping An children's million-guarantee product portfolio also provides consumers with protection plans, including outpatient protection, accidental death/disability, specific disease protection and vaccination medical accident insurance.
Outpatient service actually means that the insured can apply to the insurance company for claims and get a sum of compensation when medical expenses and drug expenses occur. However, it is worth mentioning that outpatient reimbursement can receive 500 yuan at most every three months and 2,000 yuan at most every year.
The free protection plan is distributed four times a quarter, and each protection time is 90 days. Issued in the form of card vouchers, the insured can decide whether to activate according to their actual needs.
Second, Ping An children's million-insurance product portfolio should pay attention to these two points before insurance!
1. No guarantee of renewal.
Ping An Children's Million All-Insurance Product Portfolio only provides 1 year, which is very short.
This portfolio does not include guaranteed renewals.
Guaranteed renewal can be understood as an insurance company's promise to allow the insured to renew insurance.
In case the health of the insured declines during the guarantee period, it is likely that the insurance cannot be renewed after the guarantee period expires.
If the insurance company provides a guarantee to renew the insurance, the insured can continue to enjoy the protection.
2. The amount of compensation for serious illness is low.
The critical illness insurance premium set in Ping An Children's Million Full Insurance Product Portfolio includes 65,438+10,000 yuan for critical illness protection, 65,438+10,000 yuan for specific critical illness protection and 30,000 yuan for minor illness protection.
At present, the cost of serious illness treatment mostly starts at 100 and 200,000 yuan, and there are also income losses during treatment and subsequent rehabilitation expenses. These expenses add up to a relatively high price, and it is generally recommended to choose a guarantee of more than 300,000 yuan.
However, the amount of serious illness compensation for Ping An children's million-full insurance product portfolio can be said to be very low, which cannot guarantee the economic losses caused by the insured's serious illness.
In this way, if the insured suffers from a serious illness and the expenses incurred exceed the compensation amount, he may have to bear certain economic losses.
Therefore, the critical illness insurance protection of Ping An children's million-insurance product portfolio is not very good. Senior sister suggested that if you have enough budget, you can buy critical illness insurance separately. Here are some critical illness insurances suitable for children. Interested parents can take a look at:
"Ten super cost-effective children's critical illness insurance, don't miss this treasure raiders! 》
On the whole, Ping An Children's Million All-insurance product portfolio is generally cost-effective. Although the waiting period is short and there are some guarantees, the guarantee period is only one year, and there is no guarantee for renewal. The amount of compensation for serious illness is not very strong and it is not worth buying.
Write it at the end
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