Ping An Fu can apply for a policy loan. You can call China Ping An's customer service number 955 1 1 for consultation, or you can go to Ping An's counter with your ID card and policy. However, it needs to be reminded that the payment will be made in the second year, and the cash value is very low. Loans are based on cash value, so there is very little money to borrow.
In addition, if you buy Ping An Fu, you should not only care about the loan problem, but also have a certain understanding of the product to avoid buying the wrong one, even if you stop the loss. The following is my detailed introduction to Ping An Fu. If you don't know, you can have a look.
Ping An Fu, critical illness insurance, is the representative product of China Ping An, which is being upgraded every year. This year has been upgraded to Ping An Fu 20. After the latest version came out, I conducted in-depth research and found that the upgrade of the product only changed its name, which is not much different from the old version? Interested parties can read an article: "The new version of Ping An Fu 20 is coming! This deficiency has not changed ... "
First of all, let's take a look at the upgrade of Ping An Fu:
The picture tells us that Ping An Fu 20 has not changed much compared with previous versions, and the biggest change should be the cancellation of the bundled sales of long-term accident insurance.
However, the shortcomings are quite obvious! For example, the following disadvantages:
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: if you suffer from mild illness, you can only get 20% of the basic insurance amount, which is very low.
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. If it is added, it will cost more money. However, excellent critical illness insurance on the market already includes this protection.
Generally speaking, Ping An Fu 20 is not an excellent product. If the economic situation is average, you can consider other public critical illness insurance with better quality and more favorable price.
In order to facilitate your choice, I helped you find out all the good critical illness insurance products at present. The specific content is in this article >> "Top Ten Cheap and Good Critical Illness Insurance Inventory in 2020! 》
Hope to adopt!
The same number on the whole network: Xueba said insurance, welcome to search!
Source: Xueba said that insurance official website