Brother Bao talks about insurance and focuses on insurance evaluation! What is the difference between Ping An's accident insurance and other insurance companies' accident insurance? You can look at this comparison table to know what good accident insurance recommendations you have? The top 20 best-selling premium accident insurance products in 2020!
It depends on which card you apply for. Different cards offer different insurances, so the protections are naturally different. You can consult Ping An Insurance Company for specific details. If you feel that the specific protection is not enough after clarifying it, it is recommended to add another accident insurance with complete protection. If you don’t know much about Ping An’s accident insurance, you can read my detailed introduction to Ping An’s accident insurance below.
Everyone often says that you never know which one will come first, tomorrow or the accident, so accident insurance has become an insurance that people attach great importance to. As a big player in the insurance industry, Ping An has a lot of accident insurance products. Its accident insurance products include One Million Let Me Go, One-Year Accident Insurance, Peace of Mind, Little Naughty Boy, One Million Travel, Lifetime Accident Insurance, One Million Comprehensive Accident Insurance, etc.
The most representative one is the Million Dollars. This product has been highly discussed, so I analyzed this product and compiled the specific content in this article
p>The article is very clear and concise, so I will briefly explain it here.
Let’s take a look at the protection content of this product first:
This is a refundable accident insurance. One of its major features is that the compensation you can get after an elevator accident is The basic insured amount is 20 times, and the amount of compensation for death and total disability is doubled according to the previously specified age group.
It looks pretty good when you look at it this way! But if it cannot withstand scrutiny, the shortcomings cannot be hidden:
1. Incomplete protection: This insurance does not protect ordinary disabilities, but only the most serious high disability. If you want to apply for compensation if your finger is broken, there is no way!
2. Low compensation ratio: General accident and total disability compensation are calculated according to a certain proportion of the premium. Only specific traffic accidents can pay 1 million.
3. The premium is expensive: the protection is small and the compensation is low, so the annual price is as high as 1,699 yuan.
4. Return is of little significance: This kind of repayment at the end of the term seems to be free, but in fact it is not cost-effective at all! Think about whether 100 yuan now will be worth 100 yuan in a few decades.
I would like to say that there is really no need to buy such expensive accident insurance. You can consider consumer accident insurance with an annual fee of only three to four hundred, which may provide more complete protection and even a higher compensation ratio. Ping An has another one-year accident insurance that you can consider. What are some good accident insurance recommendations that I compiled before? The top 20 best-selling premium accident insurance products in 2020!
The products mentioned there can also be considered. Don’t be lazy and compare frequently.