Why buy Ping An Fu when you have social security?

Xueba says insurance, focusing on insurance product evaluation! How does Ping An Fu compare with other popular critical illness insurance? For details, please refer to this super-comprehensive comparison table, the national epidemic 136 critical illness insurance comparison table.

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 the welfare given to citizens by the state. Including "five insurances": old-age insurance, medical insurance, maternity insurance, industrial injury insurance and unemployment insurance.

And "one gold" refers to the housing provident fund. They specifically refer to:

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 society provides medical services, maternity allowance and maternity leave to women who are ready to give birth.

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: to ensure that after we lose our jobs due to the bankruptcy or dismissal of the company, we can get an unemployment benefit every month so as not to live without money.

Next, let me introduce Ping An Fu: This is a critical illness insurance from Ping An, China, which has been upgraded every year since its launch. Ping An Fu 20 is now the latest version. Being at the forefront of eating melons, I naturally studied Ping An Fu 20, and the final result is: Nothing has changed? Read this article for details: "The new version of Ping An Fu 20 is coming! This deficiency has not changed ... "

Let's look directly at the comparison between Ping An Fu 20 and the previous version:

From the figure, it can be concluded that compared with some previous versions, Ping An Fu 20 has no different protection, except that it cancels the bundled sales of long-term accident insurance.

But the shortcomings, which existed in the past, still remain unchanged! The following disadvantages are obvious:

1. Incomplete protection: the protection of traditional Chinese medicine is lacking. Now many products on the market are protected by traditional Chinese medicine.

2. The proportion of compensation is low: the proportion of compensation for minor illnesses is only 20% of the basic insured amount. If it can reach 30%, it is considered to be 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: the exemption of the insured of Ping An Fu 20 must be purchased extra, that is, more money is paid, and other products are generally self-contained.

Taken together, Ping An Fu 20 is not worth buying. If the budget is not much, it may be more appropriate to choose other critical illness insurance products with higher cost performance.

In order to facilitate your choice, I have found some critical illness insurance products with high evaluation at present. If necessary, I can collect them first for emergencies >> "Inventory of Top Ten Cheap and Good Critical Illness Insurance in 2020! 》

Hope to adopt!

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Source: Xueba said that insurance official website