Peace and happiness and amulets are protection for minor and serious diseases. Pay in advance, that is, if the patient is unfortunately found to have a slight serious illness, pay 20% of the serious illness insurance premium in advance, and then pay 100% if it is confirmed to be a serious illness, which is equivalent to 120% of the serious illness insurance premium.
There are 55 points for the main insurance above 30w, and 50 points for the following. 100w has 60 points.
The contrast between Ping An Fu and amulet is that Ping An Fu exists in a linear and stable form from the beginning of underwriting to the amount of death protection. Amulets have dividends, which can increase the insured amount. Therefore, the amulet will have an advantage over Ping An Fu in the later period, and it is the best choice to choose Ping An Fu with high security now. Low premium and high security are absolute.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.