Which is better, social security or peace and happiness?

Brother Bao said that insurance focuses on the evaluation of insurance products! Is there a big difference between Ping An Fu and the popular critical illness insurance? Click on the original text to view the inventory of the top ten insurance companies that are worth buying!

Social security and peace and happiness are two different things, and we can't simply compare which is better. It seems that you don't understand the difference between social security and peace and well-being. Let me introduce them to you separately.

First of all, let's learn about social security:

Social security is a social security system that provides citizens with material help, reduces economic losses and guarantees their basic livelihood when they encounter risks such as old age, illness, maternity, work injury and unemployment.

It contains "five risks":

Endowment insurance, medical insurance, maternity insurance, industrial injury insurance and unemployment insurance.

And "one gold" refers to the housing provident fund.

They specifically refer to:

Endowment insurance is a social security system established by the state to ensure the affluent life of the elderly. As long as the accumulated payment before retirement is 15 years, you can receive a pension every month after retirement until your death.

Medical insurance: it is a social welfare system that the state gives certain economic compensation to sick citizens, reimburses their outpatient expenses for hospital treatment and part of hospitalization and medical expenses incurred due to hospitalization.

Maternity insurance: it is specially prepared for the birth of children. You can reimburse maternity medical expenses, prenatal and postnatal examination fees, birth control surgery fees and other expenses, and subsidize some economic losses caused by childbirth.

Industrial injury insurance: it is insurance that can compensate us or our families when we are temporarily or permanently incapacitated or even die due to accidental injuries or occupational diseases during work.

Unemployment insurance: It is a system in which the state provides material assistance to workers whose lives have been temporarily interrupted due to unemployment, guarantees their basic livelihood, and creates conditions for their re-employment through vocational training and employment introduction.

Ping An Fu is a popular critical illness insurance under Ping An Insurance, which is upgraded every year. So far, the latest version is Ping An Fu 20. I have also studied this new version, and the upgrade of the original new version has not changed much? See this article for details: Take stock of the critical illness insurance that the top ten insurance companies are "worth buying"!

Let's see how Ping An Fu 20 compares with the previous version:

From the figure, we can draw the conclusion that Ping An Fu 20 has basically not changed compared with the previous version, and the most obvious thing is to cancel the bundled sales of long-term accident insurance.

However, the shortcomings are quite obvious! For example, these shortcomings have not changed:

1. Incomplete protection: There is a lack of protection for middle diseases, and now many critical illness insurance products already include protection for middle diseases.

2. The proportion of compensation is low: only 20% can be paid for mild illness, which is lower than the average level.

3. The setting of cancer compensation is poor: Ping An Fu 20 suffers from cancer for the first time, and it will take five years to get cancer protection again; If you suffer from a serious non-cancer illness for the first time, you can directly terminate the contract. Youpin is suffering from cancer for the first time and can be paid again after 3 years; Cancer compensation can be obtained after 1 year if you suffer from non-cancer serious illness for the first time.

4. Exemption does not include: the exemption of the insured is very important, but Ping An Fu 20 does not include it. It is only available in the case of attachment. Extra extras mean paying more money. Excellent critical illness insurance products can have this guarantee with almost no additional requirements.

Generally speaking, Ping An Fu 20 is not excellent. If the economic conditions are not very good, you can consider other mass critical illness insurance with better quality and more favorable price.

In order to facilitate your choice, we have found out the best critical illness insurance products, and you can compare them according to your own needs before buying >> Top ten insurance companies "worth buying" popular critical illness insurance inventory!