Social security has stopped, and I want to buy China Ping An Fu. Is it necessary to continue social security before?

Brother Bao said that insurance focuses on the evaluation of insurance products! Is Ping An Fu different from other critical illness insurance currently on the market? Top Ten Insurance Companies "Worth Buying" Hot Critical Illness Insurance Inventory!

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It is necessary to buy social security. Social security and the guarantee of peace and well-being are complementary and do not conflict. Moreover, social security is a national welfare, which is relatively cheap, while Ping An Fu is commercial insurance, which will be more expensive. As for Ping An Fu, is it necessary to buy it? You can look at my introduction below:

Ping An Fu is the most representative product of Ping An Insurance, which has been upgraded every year since it came out. So far, the latest version is Ping An Fu 20. I did a research after the new version was updated, but there is not much difference between the new version and the old version? If you want to know, please read this article first: Is China safe? Do you have any insurance recommendations?

By comparing several versions of Ping An Fu, we can see the upgrade of Ping An Fu 20:

From the above picture, we can know that compared with previous versions, Ping An Fu 20 has basically no difference in coverage content, and the most obvious thing is to cancel the bundled sales of long-term accident insurance.

But some shortcomings always remain the same! The following shortcomings are really obvious:

1. Incomplete protection: there is no protection for traditional Chinese medicine in the product, and many products on the market now have protection for traditional Chinese medicine.

2. The proportion of compensation is low: only 20% can be paid for mild illness, and 30% can be considered as a pass.

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. If necessary, you can only add it, and if you add it, the price will increase. However, good critical illness insurance now includes the exemption protection of the insured.

The conclusion is that Ping An Fu 20 is not an excellent product. If the economic level is not high, you can choose other excellent and low-priced critical illness insurance products.

In order to facilitate our comparison, I have compiled some high-quality critical illness insurance products through evaluation, and if necessary, I can collect them in case of emergency >> Top ten insurance companies "worth buying" popular critical illness insurance inventory!