Main insurance +Necessary additional insurance+n optional additional insurance.
Main insurance: whole life insurance.
Compulsory additional insurance: pay for life-long serious illness in advance.
N Optional additional risks: multiple payments for malignant tumors, long-term accident insurance, exemption of the insured/insured, etc.
The main guarantee of Ping An Fu 20 19 is to pay 3 times for minor illness and 0 times for serious illness. If you don't pay for serious illness, you can pay for your death. At the same time, there are special guarantees for peace and happiness: extra compensation after minor illness and sports rewards for peace and happiness.
Extra compensation after mild illness: for those who suffer from mild illness before the age of 70, the insurance coverage for each serious illness/death will be increased by 20%, and the maximum insurance coverage will be increased by 60%.
Sports reward for safe running: meet the sports standard 1, and pay 5% of the insured amount for death, serious illness and minor illness; Those who meet the second-class standard of sports will be paid for death, serious illness and minor illness 10% of the insured amount.
Exercise standard 1: within two years of insurance, the accumulated 18 months reach the standard of at least 25 days per month and the number of exercise steps per day is not less than 10000 steps;
Sports standard 2: within two years of insurance, the accumulated 24 months will reach the standard of 654.38+0 million children with poor sports pace for at least 25 days a day;
In addition, you can choose to add long-term accident insurance (this is also the previous compulsory additional insurance, which was recently cancelled), and cancer will be paid many times.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.