1, China Ping An Life Insurance Company of China Insurance Co., Ltd., China Ping An Insurance Overseas Co., Ltd.;
2. China Ping An Property Insurance Company Limited and Ping An Trust Company Limited;
3. Ping An Health Insurance Co., Ltd. and Ping An Endowment Insurance Co., Ltd.;
4. Ping An International Finance Leasing Co., Ltd. and Ping An Technology Co., Ltd.;
5. Ping An Securities Co., Ltd. and Ping An Asset Management Co., Ltd.;
6. Ping An Bank Limited and Shenzhen Ping An Financial Technology Consulting Co., Ltd.
Ping An's popular products must be Ping An Fu and Ping An E Life Insurance. Here are two products.
Ping An Fu is updated every year. Take Ping An Fu 20 as an example:
1, advantages
(1) Comprehensive basic guarantee: single compensation for serious illness+three compensation for minor illness, covering 100 kinds of serious illness and 50 kinds of minor illness, and the insured can also be exempted from minor illness, which is worthy of recognition.
(2) High security flexibility: In addition to basic security, Ping An Fu 20 can also choose to strengthen the protection of diseases and accidents, such as triple compensation for malignant tumors, protection for cardiovascular and cerebrovascular diseases, protection for liver and kidney diseases, and double compensation for traffic accidents. It is worth mentioning that Ping An Fu 20 has lifted the old version of "bundled sales", and the long-term accident protection has changed from mandatory to optional, and the flexibility has improved instantly!
(3) Minor illness can increase the insurance coverage: before the age of 70, for every minor illness, the insurance coverage for death and serious illness can be increased by 20%, and the insurance coverage for death and serious illness can be increased by up to three times to 60%, but the insurance coverage for serious illness and death can only be paid once.
(4) Sports security can be increased: after two years of insurance, if the number of exercise steps reaches the standard (10000 steps in at least 25 days within 24 months), the security for mild illness can be increased by 1%-2%, and the security for serious illness can be increased by 5%- 10%.
2. Deficiencies
Although Ping An Fu 20 sells well, it is criticized by many people because it has no taste.
(1) The proportion of minor illness compensation is low.
Minor illness protection, Ping An Fu 20 minor illnesses are paid in three groups, each paying 20% of the basic insured amount. At first glance, it seems nothing, but if we compare other critical illness insurance products on the market, most people are insured at 30%, and some are even higher. It can be seen that the protection of Ping An Fu 20 is very weak! Sure enough, there is no harm without comparison. If the opponent is too strong, Ping An Fu will be smashed into slag in 20 seconds.
(2) Lack of protection for diseases in China.
Mild and moderate diseases are precursors of serious diseases, which play a great role in relieving the pressure of early treatment. Therefore, it is best not to ignore the protection of Chinese medicine when buying insurance. And Ping An Fu 20 is quite satisfactory in this respect. Many critical illness insurance products in the market have provided China medical insurance one after another, but no matter how many times Ping An Fu 20 has been upgraded and revised, China medical insurance has not been added, which is very inhuman.
(3) Lack of sincerity in cancer payment
In recent years, cancer compensation has become more and more mature. As a recurrence-prone, high-risk and serious disease, cancer has become the standard of many serious illness insurance products on the market. Even if Ping An Fu 20 has paid for cancer three times, it can't be the brightest baby in critical illness insurance products.
How did Ping An Fu 20' s cancer payment drag on: I got cancer for the first time and got cancer protection five years later (most critical illness insurance products on the market are generally three years); After suffering from a non-cancer serious illness for the first time, the contract is terminated (most other products can regain cancer protection after 1 year).
(4) High premium and low cost performance.
Excluding optional liability, the premium is tens of thousands. Obviously, there will be a better choice to buy similar products on the market at the same price.
Ping an e life insurance
Ping An E has one-year edition, guaranteed renewal edition (guaranteed renewal for 6 years) and long-term medical edition (guaranteed renewal for 20 years). This is also one of the few conscience products of Ping An, but you need to pay attention to your health when buying it.