Who does Ping An Fu Insurance buy better than the medical insurance bought by Social Security Bureau?

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? You can refer to this top ten insurance companies "worth buying" hot critical illness insurance inventory comparison table!

In fact, Ping An Fu and medical insurance in social security are neither good nor bad. They are different in nature. The former is commercial insurance, while the latter belongs to national welfare. Social security and medical insurance can reimburse the outpatient expenses of going to the hospital, and can also reimburse the medical expenses incurred by hospitalization and hospitalization according to a certain proportion, while Ping An Fu focuses on the protection of death and serious illness. These guarantees are very important. You may not know much about Ping An Fu. Let me introduce it in detail:

Ping An Fu is a critical illness insurance product from Ping An, China, which will be upgraded every year. This year has been upgraded to the version of Ping An Fu 20. When the new version was updated, I helped my friend study it. However, there is not much difference between the new version and the old version? The details are here: the top ten insurance companies "worth buying" hot critical illness insurance inventory!

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

As can be seen from the figure, compared with the previous version, Ping An Fu 20 has no different protection, and the most obvious thing is to cancel the bundled sales of long-term accident insurance.

But the shortcomings have not been upgraded and improved! The following disadvantages are obvious:

1. Incomplete protection: There is no middle illness protection. At present, many critical illness insurance products can include middle illness protection.

2. The compensation ratio is low: the compensation ratio for mild illness is only 20%, 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. You can't own this project until you add it. If this item is added, the price of insurance will be higher. However, excellent critical illness insurance on the market already includes this protection.

Generally speaking, Ping An Fu 20 is not an excellent product. If the economic conditions are average, you can also choose other excellent and low-priced critical illness insurance products.

In order not to be picky, I selected all the high-quality critical illness insurance products at present. You can refer to them >> Top ten insurance companies "worth buying" popular critical illness insurance inventory!