Ping An Li Hong's rebate form is to return 8% of the insured amount every three years, and receive the death of the insured from the beginning of payment. After the payment expires, you can choose to withdraw in advance at one time, or you can deposit the accumulated income into the insurance company first.
However, Ping An Li Hong's dividend is uncertain. It depends on the operation of the company, which may or may not exist.
So many people will doubt whether this kind of insurance is cost-effective. Let's take a look at the detailed product analysis:
The two main types of children's insurance are educational and guaranteed children's insurance, specifically, children's serious illness insurance, children's accidental injury insurance, children's medical insurance and children's education insurance.
If you want to buy safe children's insurance, I have summarized some popular children's insurance for you here: (see the picture below)
Ping an's products are ok, and the boss company is convenient to claim.
But all its products have the same shortcoming: it is too expensive and the price/performance ratio is not good. In particular, these models are not recommended:
As we all know, Xiaofuxing 20 has a lifetime guarantee of 500,000 yuan and pays 5,450 yuan every year for 20 years. Most people in the market only need more than 2,000 yuan.
Moreover, the amount of this insurance for minor illness claims is very small. Most of the critical illness insurance for minor illness claims can reach more than 30%, while Xiao Fuxing only pays 20%.
In addition to these, there are other online dissatisfaction with this product. If you want to know more, you can click on the original text to view:
Ask many people about the safety of children. Its mild symptoms are only 20%, and it is more expensive than Xiao Fuxing. A 0-year-old child needs a lifetime guarantee of 500,000 yuan and a 20-year payment of 7050 yuan. Buying a serious illness that has been settled many times may not be the price.
Generally speaking, it is not recommended to buy, but if you like Ping An products very much, I recommend Xiao Fuxing between Ping An Fu and Xiao Fuxing. At least Xiao Fuxing 20 is cheaper than children's peace and happiness.
Because there are too many products of Ping An, which one to buy depends on your child's age and your budget.