In the quiet of the night, Li Qiang sat on the sofa at home, clutching the brochure of Ping An Fu Insurance in his hand, his brows furrowed. He had heard of the daimyo of Heian Fuku, but when he actually decided to buy it, his heart was full of doubts and uneasiness. Is this insurance worth buying?
Ping An Fu, as the star product of Ping An Insurance Company, attracts a large number of consumers every year. But is the truth behind it really as advertised to provide you with comprehensive protection?
Li Qiang began to understand the terms and details of Ping An Fu. He was surprised to find out that the insurance was actually a combination of the main insurance and multiple riders. Although it seems comprehensive, there are many "pits" hidden in it.
First of all, the sum insured of the main insurance and the rider are shared. This means that if you get a critical illness and get a benefit, the amount of coverage your family will receive when you pass away. Does this setting really meet the actual needs of customers?
Secondly, the waiting period of Ping An Fu is also puzzling. If the illness occurs during the waiting period, the insurance company will only refund the cash value, not the premiums paid. Such regulations undoubtedly increase the risk to customers. What shocked Li Qiang even more was that if he paid 8,650 yuan, but was diagnosed with a major illness during the waiting period, he could only return 432$5. The remaining 95% of the money was swallowed up by Ping An in this way. Li Qiang said that this is the most unique of all the insurance he has seen.
In addition, Ping An Fu's malignant tumor protection is also boring. Although on the surface, it seems that it can be paid up to three times, but a closer look at the contract shows that if the first diagnosis of a critical illness is not a malignant tumor, then the coverage of the additional malignant tumor insurance will also be terminated at the same time. Moreover, even after the initial diagnosis of malignancy, it takes five years to get compensation again. Such a regulation makes Li Qiang sigh: What are the chances of surviving for five years with cancer?
In addition to the above points, Ping An Fu's mild illness protection has also been questioned. Although 20 mild diseases are covered, important diseases such as atypical myocardial infarction, minor stroke, and coronary intervention with the highest incidence are missing. Moreover, Ping An Fu also split a disease into three to make up the number, and there is obviously a shortage of two catties.
In addition, Ping An Fu's additional long-term accident insurance** is also outrageously high. You need to pay a premium of $2,500 per year to get a death benefit of $500,000. However, the best products on the market are far lower than this.
In addition to the above five points, there are many small pitfalls in Ping An Fu. For example, if you suffer from a mild illness before the age of 70, the function of increasing the sum insured will be greatly reduced because you cannot cover the important minor illness; The requirement to insist on exercising to increase the sum insured is also too harsh for the average person.
Faced with these truths and details, Li Qiang couldn't help but fall into deep thought. He began to re-examine his protection needs and think about whether he really needed to buy this insurance.
Insurance is supposed to provide a peace of mind for ourselves and our families, but should we be more cautious when choosing insurance, not to be fooled by fancy publicity, but to understand the true value of the product?
Is Ping An Fu Insurance worth buying? This question may vary from person to person. But in any case, we should keep a clear head and make rational choices. Only in this way can we truly provide a real guarantee for ourselves and our families. Perhaps**Comprehensive accident insurance personal personal travel traffic travel insurance, you can consider it when traveling, anyway, it is less than 6 yuan.
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