Ping An Xinli has bought it for 8 years, with additional accidental medical treatment, enjoying life and new accidents, and paying more than 6,000 yuan every year. Do you think it's worth it because t

Ping An Xinli has bought it for 8 years, with additional accidental medical treatment, enjoying life and new accidents, and paying more than 6,000 yuan every year. Do you think it's worth it because the protection is not enough? The payment period of general insurance products is more than 3 years, so it is not cost-effective to surrender and replace them.

If you feel that the protection is not enough, you must first analyze what protection you need and how much you need, and then add it after analysis.

However, Ping An's accidental medical care only covers the medical expenses incurred inside and outside the social security, and accident insurance can be returned to other products, and there are products with better and cheaper prices than this guarantee.

Enjoying life can be simply understood as medical insurance with reimbursement amount less than 654.38+0 million (depending on the number of copies purchased), which cannot cover the risk of large medical expenses. Whether you want to return the medical insurance depends on your current physical health and whether you can buy a new one. It is best to buy a new one before returning it.

Whether the main insurance of Truly should be surrendered depends on whether you can buy a new critical illness insurance according to your current physical health. If you can, you can supplement it without buying better critical illness insurance, or you can buy enough and come back. Whether to refund or not needs detailed communication. Everyone has different ideas and different economic budgets.

Xinli is a dividend insurance, and the return and dividend of the main insurance part are ok and can be kept completely.

Summarized as follows:

If economic conditions permit, re-plan a protection plan, and after the new one comes into effect, do the preservation and removal of additional risks of Reliance.

Sony, the product itself, is also good to stay and save some money for yourself or your children. You can check the dividends in the past eight years. They are getting higher and higher, and Ping An's dividend is still relatively high.

If you don't receive your survival funds and dividends, they will have a simple interest of 2.5% in this account.