There are also many small partners asking, is the price/performance ratio of Ping An Liu Fu 202 1 critical illness insurance really that high? Is it really worth buying?
Today, the senior sister will analyze and analyze for everyone!
Before the formal analysis, you'd better read this article and have a simple understanding of China Ping An Life Insurance Company of China Insurance Company:
How about China Ping An Life Insurance Company of China Insurance Company? What products are there? Which ones are good? What problems are worthy of in-depth analysis? 》
1. Ping An Liu Fu 202 1 What are the protections of critical illness insurance?
Let's talk about the guarantee content first:
Ping An Liu Fu 202 1 Critical illness insurance is relatively simple. In addition to the basic protection for mild, moderate and severe diseases, it also includes death protection and children's special diseases protection, and the insured can be exempted from minor and moderate diseases.
The following senior will analyze the security contents of Ping An Liu Fu 202 1 for everyone!
1, critical illness protection
Ping An Liu Fu 202 1 Critical Illness Insurance Protection 120 kinds of critical illness, the insured can get 100% coverage when making claims. A * * * divided into 6 groups, pay 6 times, interval year, the second to sixth serious illness occurred before the age of 80.
Many friends have a misunderstanding about the grouping of overpaid critical illness insurance. They think only grouping is bad.
Ping An Liu Fu 202 1 Critical illness insurance also includes sports insurance premium protection.
The insured has reached the sports standard two years before the insurance, and has reached the age of 18, so from the third policy year, he can get sports insurance money, and at most he can get 10% insurance money reward for serious illness.
Take the insured amount of 300,000 as an example. After the insured reaches the sports standard, he can get 330,000 compensation if he is diagnosed with a serious illness for the first time.
2. Protection of mild and moderate diseases
Ping An Liu Fu 202 1 Critical illness insurance The sports insurance premium is also guaranteed for mild and moderate diseases. If the insured reaches the sports standard, he can get the extra insurance premium of no more than 2% and 5% for mild and moderate diseases respectively.
In addition, minor illnesses can also be paid for many times, up to 6 times, and the insurance company pays the insured 20% each time; The payment for the insured's chronic diseases is 50% of the insured amount, only 1 times.
3, children's special disease protection
The critical illness insurance of Ping An Liu Fu 202 1 covers 15 kinds of children's specific diseases, and provides 100% protection in compensation, covering six categories, such as malignant tumor, heart/cardiovascular and cerebrovascular diseases, stroke/nervous system, etc.
The following are specific guarantees for children with special diseases:
The critical illness protection category of Ping An Liu Fu 202 1 also includes leukemia in the children's special diseases clause. In other words, if the insured is diagnosed with leukemia for the first time before 18 years old, he can get a 200% deductible.
If you take 300,000 insured amount as an example, you can get 600,000 compensation.
4. Death protection
Ping An Liu Fu 202 1 Critical illness insurance covers the following paragraphs:
If he dies before 18 years old, he shall pay the insurance premium paid; /kloc-after 0/8 years old, it is insured. After reaching the standard in the first two years, an additional 5%- 10% insurance will be given. In other words, if you die after reaching 18 years old, you can get the highest death compensation of 1 10%.
However, it should be noted that, like other critical illness insurance, this Ping An Liu Fu 202 1 critical illness insurance can only pay for one death and serious illness. Then once there is a serious illness claim, the insured can no longer make a claim for death after death.
Having finished the coverage of Ping An Liu Fu 202 1 Critical Illness Insurance, let's take a look at the cost performance of this product.
Second, Ping An Liu Fu 202 1 Is the critical illness insurance expensive? Is it worth starting with?
If a 30-year-old male buys Ping An Liu Fu 202 1 critical illness insurance, he can buy 300,000 insurance coverage, and pay in installments for 30 years, with only 8 160 yuan in the first year.
Compared with other insurances of China Ping An Life Insurance Company of China Insurance Company, Ping An Liu Fu 202 1 Critical illness insurance is cheaper.
Under the same conditions, it is cheaper to buy Ping An Fu 202 1 critical illness insurance for a 0-year-old boy, about 3,000 yuan.
To sum up, this Ping An Liu Fu 202 1 critical illness insurance has high cost performance and comprehensive protection, so it is worth buying. If you have good financial ability, you may wish to know about Ping An Liu Fu 202 1 Critical Illness Insurance.
So what should I pay attention to when buying this product? After reading the following, you will understand:
"202 1 ping an Liu Fu critical illness insurance was heavily listed. Look at this and you'll know if you want to buy it! 》
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"Top Ten Hot Critical Illness Insurance Inventory Worth Buying! 》
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