Ping An Xinsheng’s main insurance is 80,000, with an additional critical illness of 70,000 and an additional accident of 50,000. Is there still a main insurance that pays for critical illness? How to

Ping An Xinsheng’s main insurance is 80,000, with an additional critical illness of 70,000 and an additional accident of 50,000. Is there still a main insurance that pays for critical illness? How to compensate for accidents?

Brother Bao talks about insurance and focuses on insurance evaluation! Here is the latest comparative information on popular domestic life insurance, which is free for a limited time; gt; an inventory of the top ten insurance companies’ best-selling life insurance in 2020!

The main insurance and critical illness insurance of this type are based on the insured amount. If your critical illness insurance amount is 70,000 and the main insurance is 80,000, then after you claim the critical illness 70,000 , the main insurance is only 10,000. If the insured amount of the main insurance and critical illness is the same, if a claim is made for the critical illness, the main insurance will be gone. If the death is caused by an accident, the accident insurance and the main insurance can superimpose the claim.

You may not know much about this insurance, so let me briefly explain it to you.

Ping An Xinsheng Primary Insurance is a dividend-type whole life insurance with additional early payment of critical illness insurance. Telling a joke, does it look like the two-in-one shampoo product launched in the early years? Maybe many people don’t know some common sense about hair care. Shampoo is alkaline and conditioner is acidic. It just takes advantage of many people's lazy mentality and just ties the two together.

It’s interesting. Many people will ask whether this product of Ping An Xinsheng is really cost-effective? Let’s take a look, as shown in the picture:

What are the advantages?

1. Strong brand exposure: After all, Ping An is the biggest player in the insurance industry and has a very high reputation.

Okay, it’s time to complain about its shortcomings:

1. Imperfect protection: only critical illness protection, lack of mild and moderate illness protection.

2. Maximum insured amount: The death and critical illness insurance of this product only applies to the insured amount. If you get a serious illness at the age of 40 and the compensation is paid, then the death protection will not exist. .

3. The income is not fixed. Dividends? Cash value. The value of dividends is not fixed. It is calculated based on the performance of the insurance company for the year. The revenue share is uncertain, either yes or no, more or less.

4. The insurance premium is too expensive. A 30-year-old man takes out an insurance policy with an insurance amount of RMB 500,000, and the annual premium is about RMB 14,000. Moreover, the protection and income are not very good, so the money is not worth it!

I will not explain more about this product one by one. Click on the blue text to view the full version of the analysis: There is an article here that analyzes it thoroughly and I recommend it to everyone:

This is not just the product of Ping An Xinsheng. In fact, there are many similar products on the market, so you should be careful when purchasing them. Why? I recommend everyone to read this article: Is Ping An Good? What insurance is recommended?