Ping An Insurance's Ping An Fu is a pure guaranteed health insurance (life insurance) that does not pay dividends. This insurance product is characterized by the first pure guarantee product with a predetermined interest rate of up to 4% among large insurance companies in the market.
1, low premium, high insurance coverage, comprehensive protection and high cost performance; In other words, the same premium and the same age are higher than other types of products 10% -20%.
2, all kinds of major diseases, comprehensive accident protection, 8 kinds of mild serious diseases free of charge 20%.
3. Additional accident insurance, the coverage is expanded from 34 items in level 7 to 28 items in level 10, and go on road trip will double the payment, and the payment will be guaranteed until the age of 70.
Extended data:
The meaning of 1.4% predetermined interest rate
It is the pricing interest rate of insurance companies when designing products. 4% is higher in the 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.
2. Disadvantages of this product
The insured needs to continue to pay for at least 20 years, and don't surrender halfway, which will lead to a lot of cash losses.
3, the principle of premium expenditure
You can refer to the "Double Ten" principle, that is, the annual premium of the insured or the whole family = annual income * 10% (expenditure); Amount insured = annual income * 10 times (guarantee).
There is a "5-year survival rate" for critical illness insurance's insurance coverage, that is, the critical illness insurance coverage = annual income *5 years+treatment and rehabilitation expenses (income compensation insurance).
Accident protection = annual income * 10 years (or 20 years).
China Ping An-Ping An Fu (20 19)
China Ping An-Ping An Fu Health Protection Plan