Is it better to buy social security or peace and happiness?

Brother Bao said that insurance focuses on the evaluation of insurance products! How does Ping An Fu compare with the popular critical illness insurance in the market? This comparison table gives you an answer to the top ten insurance companies' "worth buying" hot critical illness insurance inventory!

The difference between social security and peace and happiness is still very big, and it cannot be generalized. The main contents of social security include the following:

Old-age insurance: a welfare system given to citizens by society, which can ensure their rich life after retirement.

Medical insurance: it is a social security system that compensates the insured citizens for their economic losses caused by illness.

Maternity insurance: it is a kind of social welfare that the state provides maternity allowance and maternity leave to women who are about to give birth, and reimburses maternity medical expenses, prenatal and postnatal examination fees, birth control surgery fees and other expenses.

Industrial injury insurance: refers to a social security system that the state gives us medical treatment and necessary economic compensation when we suffer accidental injuries or occupational diseases at work, resulting in temporary or permanent loss of working ability or even death.

Unemployment insurance: it is a social insurance system, which enables us to get unemployment relief, vocational training and job introduction from the society after losing our jobs due to bankruptcy or dismissal of the company, so as to help us re-employment.

Ping An Fu is whole life insurance+critical illness insurance. The way of claim settlement is one-time payment instead of underwriting, and the payment will be even stronger. It is best to buy social security, but if there is a requirement for critical illness protection, Ping An Fu can also be considered. Let me introduce the situation of Ping An Fu in detail for your reference:

Ping An Fu is a popular critical illness insurance under Ping An Insurance, and the product upgrade has never stopped. As of today, Ping An Fu 20 is the latest version. I have studied Ping An Fu 20 before, and the final result is that nothing has changed. The details are here: the top ten insurance companies "worth buying" hot critical illness insurance inventory!

Now let's take a look at the comparison details between Ping An Fu and the previous version:

As can be seen from the figure, the protection of Ping An Fu 20 has basically not changed compared with the previous version, and the biggest change should be that long-term accident insurance is no longer bundled.

But the shortcomings are not upgraded! For example, some disadvantages mentioned below:

1. Incomplete protection: China's disease is still unprotected. If it is a good critical illness insurance, there is no guarantee for China's disease.

2. Low compensation ratio: 20% is a slight compensation ratio, 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 is not included: Ping An Fu 20' s protection of the insured's exemption must be purchased extra, which means paying more money. With this protection, there will be good products.

Generally speaking, Ping An Fu 20 has a low cost performance. If the budget is insufficient, it is recommended to consider other more affordable and comprehensive critical illness insurance.

In order to make everyone less tired, I have sorted out all the high-quality critical illness insurance products in advance, and the specific content is in this article >> "Worth Buying" popular critical illness insurance inventory of the top ten insurance companies!