The premium of Ping An Fu should be calculated comprehensively according to gender, insured age, insured amount and payment period. Different people may pay different fees, and not everyone has to pay more than 10 thousand premiums. In addition, to ask whether it is necessary to buy it, and whether it is worth buying, I will introduce this product in detail for your reference:
Ping An Fu is the most representative product of Ping An Insurance, which will be upgraded every year. The upgrade has been completed this year, and it is currently the version of Ping An Fu 20. I have done a little research on this product before, and finally found that the upgraded Ping An Fu 20 has not changed much? If you want to know, you can collect this article first and read it slowly: The new version of Ping An Fu 20 is coming! This deficiency has not changed ... "
Where has Ping An Fu 20 been upgraded? Look directly at the comparison with the previous version and you will know:
It is obvious from this picture that compared with the previous version, Ping An Fu 20 is difficult to see any changes in the guarantee except for canceling the long-term accident insurance as a bundled sales guarantee.
However, the shortcomings are quite obvious! The following disadvantages are obvious:
1. Incomplete coverage: At present, it is impossible to provide coverage for China's diseases. If it is good critical illness insurance, there will be no protection against China's disease.
2. The proportion of compensation is low: only 20% can be paid for mild illness, but the average level on the market is 30%.
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 does not include: Ping An Fu 20 does not do well in the exemption of the insured, but it does not include. If it is a good critical illness insurance product, this guarantee comes with it.
Generally speaking, Ping An Fu 20 is not an excellent product. If the budget is not much, you can consider other popular critical illness insurance with better quality and more favorable price.
Don't be afraid to find products. I found all the popular critical illness insurance products. The specific content is in this article >> "Inventory of Top Ten Cheap and Good Critical Illness Insurance in 2020! 》
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Source: Xueba said that insurance official website