Before the following article begins, let's take a look at the comparison between this safe and worry-free insurance and the popular critical illness insurance in China to see what level it is:
Peace without worry and the national popular 136 critical illness insurance comparison table
1. Is peace and security worth buying?
No more suspense, let's take a look at the content map about this peace and security:
Based on the analysis results in the above figure, the content of safety protection is very simple, covering only death protection, critical illness protection and lifelong care fund. What are its advantages and disadvantages?
Advantages:
1. Flexible payment period
There are six options for the payment period of Ping An. You can choose to pay in one lump sum, 10 year, 15 year or 20 years, and choose to pay the premium until you are 55 or 60 years old. You can make different choices according to your own needs. The insured should mainly choose the most suitable payment period according to their own budget and actual needs.
If the family's economic conditions are average, you can choose a longer payment period, so that the annual insurance premium will be reduced and some pressure will be alleviated.
If your budget is abundant or your ability to pay is good, you can set a shorter payment period, so the total premium will be less.
2. Short waiting time
Another name of waiting period is observation period, which means that the insurance company will not compensate for the accident for a period of time after the insurance contract takes effect. The main purpose is to strictly control and worry about customers' insurance and insurance fraud.
Safe and worry-free has to go through a waiting period of 90 days, which is the shortest waiting period on the market at present. The more helpful it is to the insured, the faster the waiting period, and the more the insured will benefit.
Regarding the waiting period, we need to pay attention to the following matters, otherwise it will be difficult to make a claim:
"The insurance company will not lose money during the waiting period? If you don't understand, you will suffer a big loss! 》
Disadvantages:
1. The guarantee is not comprehensive enough.
Excellent critical illness insurance in the market can provide protection for serious illness, moderate illness, mild illness and death, and the second payment for cancer is also listed as an optional content. However, this peace and worry-free insurance only includes death protection, critical illness protection and lifelong care fund, which is obviously incomplete.
2. The critical illness protection is small.
Ping An Worry-Free only provides 20 kinds of critical illness protection services, and children under 4 years old have different payment ratios, which is really not comprehensive enough!
Even if the insured exceeds 4 years, the maximum compensation can only be 100% of the basic insured amount, and the compensation is not very strong.
You know, the top quality critical illness insurance products on the market at present will provide additional critical illness compensation. For example, some products will provide the following contents: If a serious illness is unfortunately diagnosed for the first time before the age of 60, in addition to paying 100% of the basic insured amount, you can also get additional compensation from the insurance company, the amount of which is 80% of the insured amount, that is, the maximum compensation amount can be 10 of the basic insured amount.
3. The insurance premium is very expensive
For a 30-year-old person, it is not cheap at all to buy 300 thousand insurance coverage and pay it in 20 years, and the annual premium is more than 9,000. This is a very heavy burden for people with limited budgets.
Generally speaking, although peace and worry-free have certain benefits, there are also many shortcomings, which senior sister thinks are not worth pursuing by people who are cost-effective. If some small partners already have this product, they can consider buying a high-quality critical illness insurance to increase protection. If some small partners do not have critical illness insurance, it is recommended to insure a high-quality critical illness insurance with wide coverage and low price.
Second, is Taiping Life's strength good?
Taiping Life Insurance was founded in 1929, headquartered in Shanghai, and affiliated to China Taiping Insurance Group. China Taiping is the longest-running national insurance brand in the history of China, which manages a financial enterprise headquartered in Hongkong. It has been selected as one of the Fortune 500 companies for three consecutive years and has a strong backing.
From June 5438 to the end of February 2020, the registered capital of Taiping Life Insurance was 654.38+0003 billion yuan, the total assets exceeded 720 billion yuan, the effective insurance coverage at the end of the period exceeded 43 trillion yuan, and the asset strength was also very good.
In addition, Taiping Life's service network basically covers the whole country. It has opened 38 branches, 1.300+3 institutions, served more than 56 million customers, and paid claims and survival funds of more than 654.38+30 billion yuan.
Moreover, the latest core solvency adequacy ratio of Taiping Life Insurance is 265,438+00%, the comprehensive solvency adequacy ratio is 265,438+03%, and the latest comprehensive risk rating is Grade A, which is much higher than the minimum standard of bank insurance custody and has excellent solvency.
On the whole, Taiping Life is a reliable insurance company with excellent strength.
Other contents and product information about Taiping Life Insurance have been summarized by Senior Sister. Friends who want to know may wish to click the following link:
How can Taiping Life be reliable? I suggest you think more about these products ... "
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