Is it cost-effective to buy education insurance? Is it cost-effective to buy education insurance? In fact, it is determined by the specific analysis of specific problems and specific needs. As a supplement to higher education, it is cost-effective on the whole. The main details are as follows: If you have the ability to pay continuously, you can choose to pay in a short time, such as one-time payment or three-year payment, thus reducing the payment period. Although the annual premium is higher, the benefits and cost-effectiveness are as follows:
The accumulated premium is lower, which is more cost-effective for wealthy families; After batch payment or three-year payment, the term value is longer and stronger. Moreover, the high insurance cost is not easy to affect the minimum living guarantee at home;
As a supplement to college, it's very good. When it comes to whether it is cost-effective to buy education insurance, the key is to look at the product and your ability to pay. After all, this kind of commercial insurance has the characteristics of financial capital, stable profit and high safety index, but it is also a double-edged sword with some weaknesses, such as low profit, maximum booking profit of 4% and annualized interest rate of 5%. Poor liquidity, annual payment and early surrender all have certain damage, so we must pay attention to it.
How much is ant insurance a year? Ant Insurance Platform sells many insurance products, including critical illness insurance, medical insurance, accident insurance, life insurance, annuity insurance, family property insurance and travel accident insurance. Because there are many products, Xi Cai Jun is just an example, and the key is from Million Medical Insurance and critical illness insurance.
Millions of medical insurance, 20-year renewal.
For example: good medical insurance, long-term medical insurance. This product is underwritten by China People's Insurance Company. Although the insurance period is one year, it can be renewed for 20 years. If the physical condition changes or the historical time changes during the renewal period, it will not damage the renewal. Even if the product is discontinued, it will not affect the right to renew the warranty. The product guarantees general medical treatment, diagnosis and treatment of major diseases, proton heavy ion therapy, diagnosis and treatment of special drugs inside and outside the hospital, and hospitalization allowance for major diseases. At the same time, you can reimburse up to 4 million yuan a year, and you can also choose foreign cancer treatment. If there is no optional obligation and there is personal social security to buy insurance, the interest rate of this product is as follows:
0 years old: 545 yuan; 30 years old: male 259 yuan, female 286 yuan; 60 years old: male 2 139 yuan, female 1648 yuan.