What are the advantages and disadvantages of PICC Health Insurance Personal Care Insurance (universal type and A type)? Ask the master to explain in detail.

Although I don't know much about PICC's universal insurance, universal insurance is the same as bank deposits. The good thing is that compound interest is cumulative, but it is a guaranteed interest rate better than all kinds of corporate interest rates, because no one knows what the business situation will be next year and what the interest rate will be from insurance companies, but I suggest you consider investing in other domestic insurance companies. Because PICC has reflected many problems in recent years, such as poor service attitude of insurance agents, failure to explain the detailed benefits of insurance policies to customers, and so on, there are many complaints from China Insurance Network. If you invest, you can choose the way of less first and then adding, so the management fees charged by insurance companies are much less. You want to buy an accident insurance and a critical illness insurance. Now, many insurance companies can cover these risks. For men around 34 years old, if the insured amount is 30W and they pay for 20 years, the annual premium is about 8000 yuan to 1000 yuan. You can tell me the details. For the baby's insurance, I suggest you pay about 2000 yuan a year.