What's the difference 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 the popular critical illness insurance? For details, please see this list of top ten insurance companies' "worth buying" hot critical illness insurance inventory!

Social security is different from commercial insurance, and the content of protection is also different. Social security specifically refers to the following aspects:

Endowment insurance: it is insurance to ensure that we still have money to use after retirement. It only requires us to pay 15 years before retirement, and then we can receive a considerable pension every month after retirement.

Medical insurance: medical insurance covers our diseases, which can not only reimburse the hospital for outpatient expenses, but also reimburse a certain proportion of hospitalization expenses and medical expenses if hospitalized. It is the most useful and effective insurance in social security, and we usually have the most contact.

Maternity insurance: It is an insurance that can reimburse maternity medical expenses, prenatal and postnatal examination fees, birth control surgery fees and other expenses arising from childbirth, and can subsidize some economic losses caused by childbirth.

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

Unemployment insurance: a social security system that ensures that after we lose our jobs due to bankruptcy or dismissal of the company, we can get unemployment relief, vocational training and job introduction from the society, and we can still live with money and get 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:

The critical illness insurance Ping An Fu is the representative product of China Ping An, and the product upgrade has never stopped. As of today, Ping An Fu 20 is the latest version. I have done a little research on this product before, and finally found that there is little difference between the new version and the old version? See this article for details: Take stock of the critical illness insurance that the top ten insurance companies are "worth buying"!

How does Ping An Fu 20 compare with the previous version? Let's take a look first:

From the above figure, it is not difficult to find that compared with previous versions, Ping An Fu 20 has no different protection, and it is commendable to cancel 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 coverage: There is no coverage for China's disease, and many critical illness insurances in the market have coverage for China's disease.

2. The proportion of compensation is low: only 20% of the basic insured amount is paid for mild illness, and it is considered to reach the average level when it reaches 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 does not include: Ping An Fu 20 does not do well in the exemption of the insured, but it does not include. If it is added, the cost will be higher, and excellent products will basically have this guarantee.

Generally speaking, Ping An Fu 20 is not an excellent product. If the family conditions are average, it is recommended to consider other more affordable and comprehensive critical illness insurance.

In order to make everyone less tired, we have found out the best critical illness insurance products at present, and the specific content is in this article >> "Worth Buying" popular critical illness insurance inventory of the top ten insurance companies!