Is there a conflict between Ping An Fu and social security?

Brother Bao said that insurance focuses on the evaluation of insurance products! Is there a big difference between Ping An Fu and other insurance companies in the proportion of popular critical illness insurance? If you want to know, you can take a look at the top ten insurance companies' "worth buying" hot critical illness insurance inventory!

Ping An Fu and social security actually do not conflict. Social security belongs to national welfare, and the specific contents are as follows:

Endowment insurance is a social insurance system established by the state and society to solve the basic life of citizens after retirement or early retirement due to old age.

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.

Work-related injury insurance is a kind of social welfare that the state gives us medical treatment and necessary economic compensation when we suffer from work-related injuries, occupational diseases or even death.

Unemployment insurance: It is a social welfare system that the state gives the unemployed people material help, guarantees their basic livelihood, and provides them with vocational training and employment introduction to help them re-employment.

Ping An Fu is mainly based on death protection and serious illness protection, and the way to claim compensation is not reimbursement, but one-time payment. The content of social security is not difficult to understand. Here, I will focus on the analysis of Ping An Fu:

Ping An Fu is a popular critical illness insurance product in the market. From Ping 'an, China, it is upgraded every year. The upgrade has been completed this year, and it is currently the version of Ping An Fu 20. I have done a little research on this product before, and found that the research results are very few? If you want to know, you can collect this article first, and take your time to read: the top ten insurance companies' "worth buying" hot critical illness insurance inventory!

Let's take a look at what upgrades Ping An Fu 20 has compared with the previous version:

As can be seen from the above figure, compared with the old version, Ping An Fu 20 has not changed much. The most obvious thing is to cancel the bundled sales of long-term accident insurance.

But the shortcomings cannot be changed! The following disadvantages still exist:

1. Incomplete coverage: There is still no coverage for China's disease, and many critical illness insurances in the market have coverage for China's disease.

2. The compensation ratio is low: the compensation ratio for minor illnesses is only 20%, while the average level is 30%.

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 does not include the exemption of the insured, only if it is added. If it is added, the cost will also rise, and the excellent similar products on the market already have this guarantee.

Generally speaking, the cost performance of Ping An Fu 20 is not too high. If the budget is small, it is more appropriate to choose some critical illness insurance products with high cost performance.

In order to make everyone less tired, I have found out all the popular critical illness insurance products and shared them with you for reference >> Top ten insurance companies' "worth buying" hot critical illness insurance inventory!