There are essential differences between these two kinds of critical illness insurance. Fu You Jinsheng is a dividend-paying critical illness insurance, while Ping An Fu is a non-dividend-paying critical illness insurance.
It's easy to understand that there is no dividend. How much insurance to buy and how much to pay when the time comes; Fu You Jinsheng's dividend is an English dividend (insured dividend), that is, the annual dividend will increase within the insured amount, and it will be insured+dividend when making claims, which can resist some inflation and prevent the insured amount from depreciating. It is also an insurance that will grow; However, Fu You Jinsheng, which pays dividends, will surpass Ping An Fu in terms of premium.
Ping An welfare includes not only life insurance and critical illness insurance, but also an accident insurance. Fu You only includes life insurance and critical illness insurance, so insurance liability is still different; However, if you want to add it, you can also find a suitable accident insurance, and there is no need to limit it.
This is a general difference. There is no difference between good insurance and bad insurance. You just need to choose the insurance that suits you.
I hope I can help you!