Indeed, everyone has heard of peace in China? As a big shot in the industry, is the critical illness insurance launched well? Is it worth buying?
Today, Senior Sister will give you a detailed explanation of China Ping An's ace critical illness insurance-Ping An Fu 202 1. Interested parties can look below!
Before you begin to explain, let's talk about how to choose critical illness insurance to prevent being cheated.
"Good critical illness insurance long like this! You have been cheated for so many years ... "
1. Ping An Fu 202 1 What are the advantages of critical illness insurance?
As usual, let's take a look at the product protection map first:
1, covering mild and moderate disease protection
When critical illness insurance was first introduced, it only covered critical illness. However, with the continuous development of society, people's requirements have become higher. The former product form certainly can't meet people's needs now.
Therefore, the product status of critical illness insurance has also changed in recent years, from the initial serious illness to serious illness+mild illness, and then to serious illness+moderate illness+mild illness.
The greater the insured amount, the stronger the ability to resist risks, and the more beneficial it is to the insured.
Ping 'an Fu 20 19 is the predecessor of Ping 'an Fu 202 1, and its basic guarantee is not perfect, so it lacks the protection for China's disease.
The upgraded version of Ping An Fu 202 1 has avoided the above shortcomings and really listened to public opinions, which is commendable.
2. Ensure cancer in situ
In situ? Cancer is an early manifestation of cancer. {How about China Ping An Critical Illness Insurance -23}
During this period, cancer cells only appeared in the epithelial layer, without destroying the basement membrane or infiltrating into the interstitial or dermal tissue under the basement, without infiltration and distant metastasis, and often appeared in the cervix, skin, bronchus, stomach, prostate and breast. If found and treated in time, it can be completely cured.
In February, 20021year, the new regulations on critical illness were fully implemented, and cancer in situ was no longer included in the protection of mild illness, which meant that the newly defined critical illness insurance no longer forced the protection of cancer in situ.
However, Ping An Fu 202 1 retains this protection, and it is best for the insured to compare it with other critical illness insurance that excludes cancer in situ.
3. Short waiting time
Ping An Fu 202 1 provides a waiting period of 90 days, which is the shortest among the critical illness insurances at present.
Waiting period, also known as waiting period, also known as exemption period. In case of danger during the waiting period, the insurance company will not compensate.
Therefore, if the waiting period is set shorter, the insured can enjoy the protection as soon as possible, and Ping An Fu 202 1 has done a good job.
For example, there are too many insurance clauses. If you are an insurance white, don't miss this article:
"Super complete! Everything you want to know about insurance is here.
2. What are the shortcomings of Ping An Fu 202 1 critical illness insurance?
1, the protection of mild and moderate diseases is weak.
Ping An Fu 202 1 Although it provides protection for mild and moderate diseases, the proportion of compensation for mild and moderate diseases is only 20% and 50%, which is really generous!
At present, the protection of critical illness insurance is mild and moderate, and the industry standard of compensation ratio is 30% and 50%. Ping An Fu 202 1 can't even pass the exam!
2, can only be guaranteed for life
As for the guarantee period, Ping An Fu 202 1 only has a lifetime guarantee, which is not fixed and flexible.
Similar products are regularly guaranteed, for example, until the age of 70/80, so the insurance coverage is increased.
3, the product cost performance is low.
When people in their thirties take out Ping An Fu 202 1, the insured amount starts at 500,000 yuan. If they pay for 30 years, the annual premium will be more than 1000, and the cost performance is not particularly high.
To tell the truth, with this price, it can be allocated to other critical illness insurance products with better and more comprehensive protection.
Third, the summary of the senior sister
In view of the above, Ping An Fu 202 1 has many defects, such as pursuing safety and cost performance, and senior sister does not recommend buying it.
If you are pursuing the brand of a big company, you can consider it according to your own situation.
Avoiding the risk of serious illness is the purpose of our allocation of serious illness insurance. You can get a high insurance coverage by paying a low premium, otherwise it is meaningless to buy insurance.
If you have the intention to configure critical illness insurance in the near future, you can refer to this list compiled by senior sister:
"Top Ten Hot Critical Illness Insurance Inventory Worth Buying! 》
Write it at the end
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