1. The insured person who enjoys life A is the person who has not participated in social security or free medical care.
Second, the insurance object that enjoys life B is the person who has participated in social security or free medical care.
3. Participating in social security is the basis of our security, which does not conflict with commercial insurance. Commercial medical insurance is the principle of compensation. If the insured has obtained compensation from other channels (social security, public expenses, rural cooperative medical care or units), he shall enjoy the balance of lifelong medical insurance after paying compensation from other channels, and the balance of paid expenses shall not exceed 80% of the insured amount.
For Ping An Fu, after the payment period is over, you can take out other main insurance and enjoy life extra. You can also take out some hospitalization medical insurance or health insurance separately for combined insurance.
I hope it helps you.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.