Since the advent of 20 13, the upgrade has never stopped, but it is often disappointing that the gimmicks outweigh the reality.
Perhaps under the pressure of fierce market competition, or criticized, Ping An Fu finally ushered in the most sincere upgrade-Ping An Fu 2065438+09 Ⅱ.
Therefore, your circle of friends may be screened by security friends next. ............
So what did Ping An Fu 2065438+09 Ⅱ upgrade? Is it still worth buying after the upgrade? The following deep blue jun will analyze it in detail:
Ping An Fu 20 19 I believe everyone is already familiar with it, and it has been sold for half a year. It has also been evaluated before (click to view), so I won't do too much analysis here.
Let's take a look directly at the upgrade of Ping An Fu 2019 Ⅱ compared with Ping An Fu 2065 438+09:
Draw a direct conclusion:
As can be seen from the comparison table above, there are mainly the following upgrades:
Insurance industry associations only regulate and identify 25 kinds of serious diseases, but there is no uniform standard for minor diseases, which also causes the number and types of minor diseases in different companies to be different.
Specific performance in:
Types of mild diseases: the types and quantities of mild diseases are different;
Definition of disease: Even if it is the same disease, some companies have loose claims and some are strict.
The previous Ping An Fu was seriously lacking in the type of protection for mild illness. This Ping An Fu 2065438+09 Ⅱ not only increased the number of mild diseases from 30 to 50, but also increased the protection for the high incidence of mild diseases:
As can be seen from the above table, Ping An Fu 2019 Ⅱ makes up for several high-incidence mild symptoms such as mild stroke sequelae, atypical myocardial infarction and coronary intervention, and makes up for the lack of protection for mild symptoms.
Previously, Ping An Fu was forced to buy long-term accident insurance in bundles, with the insured amount of at least 1.5 million. This is also a point that has been criticized.
The main reason is that the bundled long-term accident insurance is not only expensive, but also unreasonably expensive.
150000 insured amount, 30-year-old male, long-term accident insurance bundled by Ping An Fu costs 570 yuan for one year, while it only costs tens of yuan to buy one-year accident insurance with the same insured amount.
Most accident insurance is not health notification, so it is very cost-effective to buy a one-year product.
Ping An Fu 2065438+09 Ⅱ cancels the compulsory bundling of long-term accident insurance and turns it into free attachment, which is also a good upgrade. Replacing long-term accident insurance with one-year products can save at least several hundred yuan every year.
In addition, it should be reminded that although the compulsory bundling of long-term accident insurance has been cancelled, it is very likely that someone will recommend you to be 100% safe and secure. Their new return accident insurance has also been evaluated by Shen Lanjun (click to view), so it is recommended to consider it carefully.
The main insurance of Ping An Fu is life insurance, and the critical illness insurance is paid in advance. Life insurance and critical illness insurance * * * use the same coverage. The previous Ping An Fu series was forced to bundle accident insurance, so the amount of life insurance was required to be higher than that of critical illness insurance.
In other words, the insurance coverage of life insurance is 565,438+0 million, and that of critical illness insurance is 500,000. After paying for serious illness, only death can be paid 10000.
Because of the cancellation of bundled accident insurance, the upgraded Ping An Fu 20 19 II life insurance and critical illness insurance coverage can be the same, which means that the life insurance coverage of 10000 is not required, which is also a small change.
The above three points are the analysis of the upgrade of guarantee responsibility of Ping An Fu 20 19 II. As for the premium, it is basically the same as before. As can be seen from the above table, the cancellation of long-term accident insurance is several hundred yuan cheaper.
Generally speaking, the upgrade of Ping An Fu 2065438+09 Ⅱ is sincere.
Then the question is, is Ping An Fu 20 19 II worth buying?
Although Ping An Fu is more sincere in this upgrade, it is a big company after all. The brand premium is there and the price is not low. Should ordinary people consider him?
I compared the critical illness insurance products of the top 20 companies in 20 18, as follows:
Draw a direct conclusion:
If the pursuit of cost-effective: sunshine I guarantee C, in the case of good protection, the price is about 30% lower than that of similar big brand products, with high cost-effective, and there are many outlets under the sunshine.
If you want better protection: Tianan Health Source 20 19 enhanced version, you can pay up to 6 times for serious illness, multiple times for self-contained cancer, 45% for mild illness, comprehensive protection for moderate illness, and the price is lower than other big companies.
In fact, there is no essential difference between the claims of large companies and small companies. If not limited to the company's reputation and brand, there are more excellent products to choose from in the market.
Recently, products with high performance-to-price ratio have been on the market, and Shen Lanjun also summarized the excellent savings products on the market that guarantee life, as follows:
It can be seen that the above products are paid for many times due to serious illness and guaranteed for life. Not only is it guaranteed to be better than the products of some big companies, but the price is also more advantageous.
Draw a direct conclusion:
If you pursue cost performance, you can consider marine insurance life insurance, which not only includes serious illness, mild illness and moderate illness, but also can pay for it many times, including death liability, and the price is very competitive.
If you value cancer protection, you can consider an upgraded version of Beethoven 1 and Jiaduobao of Everbright Yongming; Both of these products can be paid for many times by cancer, and the protection is better.
If the body is abnormal: Doublebao, Beethoven and Doraemon Ultimate all have intelligent underwriting, so it is very convenient to answer questions according to the insurance tips and get the underwriting conclusion immediately.
The above is the evaluation and analysis of Ping An Fu 2065438+09 Ⅱ. The conclusion is that this upgrade is sincere. If you prefer peace, you can consider Ping An Fu 2019 Ⅱ. If you don't have to be safe, there are still many choices in the market.
Final statement: As the product has not been officially listed, the above evaluation contents are all from the product information obtained at present. The specific details are subject to the post-listing terms and rates. If there are other upgrades at that time, Shen Lanjun will evaluate it again! Stay tuned!
Deep Blue Insurance is a self-media company focusing on the insurance field. We have evaluated thousands of insurance products and insisted on popularizing any insurance-related knowledge in a professional and objective manner to help you avoid the pit in insurance and clearly buy insurance.
For more information on insurance science popularization and product evaluation, please pay attention to Deep Blue Insurance.