I can get it from Ping An Insurance Company with the relevant contract. Extended Data Ping An Wisdom Star is a universal education insurance for children. Universal insurance has a certain guarantee and a certain expected return. The advantages of this product are: 1. Ensure that the educational insured is exempt from paying the follow-up premium in the case of serious illness or death, and the follow-up premium will be paid by the insurance company, so that the children can receive money to complete their studies; When a child is seriously ill, the premium will be waived and paid by the subsequent premium insurance company. Payment for serious illness will not affect the value of the account, and children can still receive money to complete their studies. Education is the most humanized of all insurances. Considering that children are vulnerable groups, there are also possible risks. 2. It can be matched with critical illness insurance and medical insurance. Universal insurance can supplement medical insurance, and daily ailments can be reimbursed. It can be combined with the current million medical insurance, reimbursement of major disease treatment expenses, additional critical illness insurance, and advance payment of agreed diseases. 3. You can get part of the account value. Children don't have universal insurance when they go to school. You can get some from the beginning of insurance. However, the early collection is not conducive to the accumulation of universal account value, and the funds are not very tight. Premature collection is not recommended. 4. The premium can be postponed in the first 10 year after the payment of Wisdom Star, so the premium can be postponed, and the payment pressure is relatively small. Ping An Wisdom Star universal insurance support part. After receiving a part, the received part will no longer enjoy compound interest and appreciation, and the value of the policy account will be reduced accordingly. However, as long as the remaining funds after the account are not less than the minimum amount agreed in the contract, it will not affect the effectiveness of the policy. It is understood that the guaranteed interest rate of this universal insurance is 1.75%, which is lower than some universal accounts in the market, but the actual settlement interest rate shall prevail. The main report of Ping An Star: 1. Critical illness insurance Ping An Star's optional responsibilities include lifelong critical illness insurance, and 45 major diseases are guaranteed and paid in one lump sum. There are many kinds of diseases covered by critical illness insurance in the market, and the insured has better disease protection. There are only 45 major diseases covered by Ping An Wisdom Star, and the insured's disease protection is very limited. 2. The term life insurance Ping An Star belongs to the category of children's insurance, and the protected groups are mainly children. My senior often emphasizes that term life insurance mainly acts as the pillar of the family, and the functions that children can play are limited. If you buy term life insurance for minors, it will be cut off by insurance companies to a large extent. 3. Accident Insurance The accident insurance liability of Ping An Smart Star includes accidental disability, accidental death and traffic accident disability or death. Without accident medical insurance, Ping An Smart Star turned accident medical insurance into medical insurance. 4. Medical Insurance The responsibility of Ping An Star Medical Insurance is mainly accidental medical expenses. Deductible 100 yuan, with a maximum reimbursement of 20,000 yuan. What you need to know is that many small medical insurances in the market have no deductibles.