Alipay's worry-free social security

Worry-free accident insurance is underwritten by Zhongan Insurance and is a comprehensive accident insurance sold on Alipay.

The biggest characteristics of worry-free insurance are: death insurance and loose restrictions on occupational categories. What about worry-free accident insurance Dad will give you a detailed analysis of this product:

First, the coverage of worry-free insurance 1. Accidental death/disability: accidental death compensation 100% basic guarantee, and compensation according to different disability levels 10%- 100% basic guarantee.

2. Accidental medical treatment: the maximum insured amount is 654.38+ 10,000 yuan, and the deductible for accidental medical treatment is 654.38+000 yuan, but it can only be reimbursed by social security.

3. Death/disability in specific traffic accidents: accidental death or disability due to trains, planes, ships and buses. , the maximum additional compensation is 6.5438+0 million.

4. Sudden death insurance: This is a feature of worry-free insurance. The 500,000 yuan version of sudden death insurance coverage is 50,000 yuan, and the 1 10,000 yuan version of sudden death insurance coverage is 200,000 yuan. The guarantee is more comprehensive.

5. Death guarantee in COVID-19: 50,000, 250,000 and 500,000 for each version of COVID-19's death.

Worry-free insurance The overall insurance is not bad. It is also worth noting that if the insured is over 45 years old, it is not recommended to take out insurance. Because the overall premium is more expensive.

Then, if you want to pursue cost performance, compare and evaluate it with your father:

Second, the comparative evaluation of popular accident insurance 1. Pursuing the ultimate cost performance: Burt's Bee Classic Edition

Burt's Bees Classic Edition has lower premium and higher leverage. Therefore, friends who want to pursue cost performance can focus on the little bee.

2. Pursuing sudden death protection: Asia Pacific Superman

Except for Asia-Pacific Superman, there is no sudden death protection for other 6.5438+10,000 yuan insured versions. The sudden death insurance coverage of the diamond version of this product is 300,000, and that of the premium version is 1.5 million. This depends on personal needs.

3. Pursuing COVID-19's death protection: Ankang insurance and worry-free insurance.

For friends who want to pursue the protection of COVID-19's death, my father's suggestion is to choose Ankang insurance, because this product is specially customized for COVID-19, and each insurance amount reaches 200,000 yuan. In contrast, worry-free insurance is only 50 thousand yuan.

4. Pursuing small restrictions on occupational categories: worry-free insurance

The occupational category of Worry-Free Insurance is 1-6, and jobs with certain risks can be considered.

Dad also prepared this accident insurance clause raiders, you can click on the link to view: "A headache insurance clause, dad teaches you to read quickly-accident insurance articles".

Alipay worry-free insurance is a significant advantage in accident insurance products on the market at present. However, the most important thing in accident insurance is the protection of accidental death and disability, which Alipay does not have. There are many accident insurance products on the market. If you want to choose the one that suits you with high cost performance, you must study the differences between different products.

Hope to adopt!

Source: Nanba Daily