1. What kind of insurance product is this?
Pure guaranteed health insurance (life insurance) without dividends
2. What is the biggest advantage of this insurance product?
The first pure guarantee product with a predetermined interest rate as high as 4% among large insurance companies in the market.
Low premium, high insurance coverage, comprehensive protection and high cost performance; That is to say, the same premium and the same age are higher than other types of products 10%-20%.
Major diseases are more comprehensive, accident protection is more comprehensive, and exemption is more humane. There are also 20% of the eight minor and serious diseases that are given away for free.
Additional accident insurance, the scope of protection has been greatly expanded, from 34 items in level 7 to 10 items in level 2, 28 1, and the payment period is guaranteed to be 70 years old.
What does 3.4% interest rate mean?
What's good for us (the insured)?
To put it simply, the pricing interest rate of 4% when insurance companies design products is relatively high in the current market, which is reflected in the insured amount and premium.
The higher the predetermined interest rate, the more favorable it is to customers in principle, but the greater the pressure on the operation and management of insurance companies.
Don't equate the predetermined interest rate with the return on investment. This product is guaranteed. The lower the premium, the higher and more comprehensive the protection. Sub-insurance is not investment insurance!
4. What is the biggest disadvantage of this product?
Any product has advantages and disadvantages. The biggest drawback of this product is:
You have to pay for at least 20 years.
It is best not to surrender halfway, it is not cost-effective to surrender.
5. I don't know how to buy it? What is the reasonable premium expenditure?
Generally speaking, you can refer to the "Double Ten" principle, that is, for you or your family every year, the premium = annual income * 10% (expenditure); Amount insured = annual income * 10 times (guarantee)? There is a "5-year survival rate" for the protection of major diseases, that is, the protection of serious diseases = annual income *5 years+treatment and rehabilitation expenses (income compensation insurance).
Accident insurance = annual income * 10 years (or 20 years)
Ping An Fu whole life insurance is the flagship product with the highest insurance coverage and the hottest sales, which has the characteristics of high insurance coverage for serious illness, high medical coverage and high minimum premium. With the same premium and the same age, the insured amount of Ping An Fu can be increased by 25%, which is the first product with a pricing interest rate of 4% on the market.
Since the CIRC issued the new "Life Insurance Rate Policy" in August last year, other companies have also launched similar products, but without exception, they only adopted the pricing interest rate of 3.5%, mainly because there is not enough funds to ensure adequate solvency. Prior to this, dividend insurance products had low coverage, high premium and low customer acceptance rate. Through the rate reform, the insured amount can be increased, which is more in line with customer needs.
Example: Mr. Li, 3 1 year old, 24 yuan every day, 725 yuan per month, 8,707.35 yuan per year, with payment for 30 years.
30 1000 RMB main insurance+300,000 RMB critical illness insurance+300,000 RMB accident insurance+20,000 RMB accidental medical treatment+29,600 RMB hospitalization medical treatment.
You only need to take out 24 yuan from your income every day, and you can have the following major guarantees:
1, medical security
(1) Critical illness medical care, 300,000 yuan, life-long guarantee.
It takes effect 90 days after the date of insurance. Among all insurance companies, Ping An Insurance has the shortest waiting period, some companies have 360 days, and some companies do not pay claims within 180 days, 180 days. Ping An Insurance only takes 90 days.
Compared with the products of other insurance companies, the coverage has increased by 8 kinds of mild and severe illness insurance on the basis of 30 types of insurance, and the amount is 20% of the serious illness insurance. In this case, it is 60,000 yuan. After paying 60,000 yuan, it will not affect the payment of 300,000 yuan for serious illness. Covering all organs of the human body from head to toe.
According to the diagnosis certificate of the specialist in domestic public hospitals above the second level, it is determined to be an insurance liability, with a one-time payment of 300,000 yuan to solve the medical expenses problem.
You only need to pay for 30 years, and this critical illness insurance can be guaranteed for life. If you live to 100, you will live to 100.
With this guarantee, 300,000 assets will be ready for you at any time. If something goes wrong, it can help you solve the high medical expenses, the later rehabilitation expenses, the compensation for income loss, and help your family financially.
(2) Hospitalization, 29,600 yuan.
The reasonable expenses incurred in hospitalization due to accidents or diseases will be reimbursed 29,600 yuan per year (the amount can be increased according to the needs of customers).
(3) Accident medical treatment, 20,000 yuan.
The expenses caused by accidental injuries are reimbursed 20,000 yuan per year (the amount can be increased according to the needs of customers).
2. Personal protection
(1) 90 1000 yuan for traffic accidents and driving accidents caused by driving.
* * * Traffic accidents (trains, cars, planes, ships, subways) lead to death, and on the basis of paying 60 1000 yuan, an extra 300,000 yuan will be paid, totaling 90 1000 yuan.
● In case of accidental death of the self-driving frame, an additional 300,000 yuan will be paid on the basis of 60 1000 yuan, totaling ***90 1000 yuan.
At present, the insurance products on the market only cover double indemnity for traffic accidents. Ping An Fu adds accident protection to the self-driving frame, so that the insured can get double indemnity when driving or riding a private car, which is more beneficial to customers.
(2) General accident, 60 1000 yuan
In case of death due to an ordinary accident, on the basis of paying 30 1 1,000 yuan for life insurance, an additional 300,000 yuan will be paid for the accident protection fund. Total ***60 1000 yuan.
(3) Accidental disability, 300,000-300,000 yuan.
If the accident causes disability, it shall be paid in proportion to the degree of disability. For example, it is rated as 1, the most serious, with compensation of 100%, 300,000 yuan, and secondary compensation of 90%, 270,000 yuan, totaling *** 10.
Some insurance companies in the market are still using the old version of 7 levels and 34 items. Ping An's product guarantee is based on the new disability evaluation standard newly issued by the State Insurance Regulatory Commission in 20 13, with a grade of 10 and an item of 28 1, and the protection of burn disability, chest and abdomen organ injury, neuropsychiatry, etc. is added, so the scope of protection is broader and more comprehensive.
Other companies' product main insurance payment stops, accident insurance protection stops, and the longest protection can only be 65 years old. The accident protection of this product can be guaranteed until the age of 70, and the protection period is the longest among all insurance company products. After retirement at the age of 60, the accident risk of the elderly is relatively high, and the longer the protection period, the better for customers.
3, pension compensation, pension supplement
At the age of 60, the cash value of the policy is about190 thousand yuan, at the age of 70 it is about 220 thousand yuan, and at the age of 80 it is about 240 thousand yuan. You can take out money to supplement your pension.
Of course, it is far from enough to rely on this product to support the elderly, because this product is a security type rather than a financial management type, which guarantees serious illness and accidents. If you want to have a high-quality life in your old age, then take out some money and invest in a pure financial product, which is called "winning a lifetime".
Compared with the products of other insurance companies, the coverage has increased by 8 kinds of mild and severe illness insurance on the basis of 30 types of insurance, and the amount is 20% of the serious illness insurance. In this case, it is 60,000 yuan. After paying 60,000 yuan, it will not affect the payment of 300,000 yuan for serious illness. Covering all organs of the human body from head to toe.
4. Family heirloom
Everyone will die of disease and death. If the money in the policy is not withdrawn when you leave for a hundred years, the beneficiary of the policy can get 30 1000 yuan in one lump sum. After the children get the money, it will also be of great help to their lives.
Step 5 exempt
This policy is paid for 30 years. If a serious illness occurs midway, the future premium will be exempted, and the accident insurance premium will not be affected until the age of 70.
Generally speaking, this plan provides the following three benefits for happy families:
The first is high medical security, which can solve the compensation for medical expenses, rehabilitation expenses and income losses.
Second, personal safety is high. No matter what happens, you can ensure that your family's life will not be affected and you will live well.
The third is a family heirloom, which leaves a sum of money for future generations, or takes the money out for your own use after retirement and does what you want to do.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.