Product introduction
This security plan is a combination of old-age security for a healthy life and additional regular insurance for major diseases in a healthy life. They are sold in bundles, and various additional types of insurance can be attached. It integrates serious illness, old-age care and death protection, covering 32 major diseases, and the maximum protection can be 80 years old. It has the characteristics of less investment, complete protection and maturity. This plan provides two insurance periods: "guarantee to 70 years old" and "guarantee to 80 years old" for customers to choose at will. People aged 0-65 can be insured, and at the same time, they have a special fixed premium and can buy shares.
Four characteristics highlight protection
Ensuring comprehensive care for serious diseases (providing protection for up to 32 major diseases)
Full-time retirement (healthy all one's life, principal can be returned at the age of 70 or 80)
Reasonable premium and value for money (low premium and high cost performance)
Live a healthy life and care for life.
Multiple choices are flexible and convenient.
Insurance age: 0 (discharged 30 days after birth) to 55 /65.
Insurance period: to 70 years old/to 80 years old
Payment period: one-time payment, 5 years, 10 years, 15 years, 20 years.
Payment method: annual payment
Comprehensive protection of birth, illness and death
Survival insurance money
Return the paid premium on the agreed payment date of survival insurance (the corresponding date of the first year after the insured lives to be 70 or 80 years old).
Death or critical illness insurance.
If there is no accidental injury or serious illness and the premium paid is returned within one year, the contract shall be terminated;
Due to accidental injury, death or serious illness, or non-accidental death or serious illness one year later, pay the basic insurance amount and terminate the contract.
Extra services make your home carefree.
The following types of insurance can also join the protection plan to meet the diversified protection needs of families.
Compensation for hospitalization expenses of children in Taikang supplementary medical insurance
Taikang additional worry-free accident insurance
Taikang additional accidental injury medical insurance
Taikang attached whole life insurance to pay (2006) term life insurance in advance.
Case description:
Ms. Xin, 30 years old, has an annual income of 60,000 yuan. Ms. Xin is very concerned about her health. Considering the current high medical expenses, she intends to transfer the risk by buying insurance. Considering Ms. Xin's insurance needs and financial strength, we suggest that she adopt the following insurance scheme:
Buy 10 copies of Taikang periodic protection plan for major diseases of healthy life (each copy of 500 yuan), and the payment period is 20 years.
The insurance amount and premium paid by Ms. Xin are as follows:
Benefits enjoyed by Ms. Xin:
Insurance name
News report
insurance expenses
Taikang healthy life
The periodic protection plan for major diseases is 258,790 yuan.
5,000 yuan/year
Taikang Additional Life Insurance paid in advance (2006) term life insurance 258, 790 yuan.
0 yuan
Death insurance premium: if an accident occurs during the insurance period or one year later, the death insurance premium is 258,790 yuan, and the insurance contract is terminated.
Critical illness insurance: for the first time suffering from one or more of 32 major diseases, you can get 258,790 yuan of critical illness insurance, and the insurance contract is terminated;
Total disability insurance: if the insured is physically disabled during the insurance period, the death insurance premium of 258,790 yuan can be paid in advance, and the insurance contract is terminated;
Survival birthday insurance: the insured survives to the corresponding date of 70 years old and gets a birthday insurance of 100000 yuan, and the insurance contract is terminated;
Frequently asked questions about "Regular Protection Plan for Healthy Life and Major Diseases"
Q: Who is suitable for Taikang Life Insurance's "Healthy Life Protection Plan"?
A: The Healthy Life Protection Plan is applicable to people aged 30 days to 65 years (inclusive). The plan provides 32 major diseases protection for the above-mentioned people who can reach the age of 80.
Q: The coverage of social security medical care for urban residents is getting wider and wider, and the new rural cooperative medical care is being fully implemented in rural areas. Do people who already have basic security still need to buy this product?
A: An insurance expert put it well, "Insurance will not change your life, but it can make your life unchanged." For low-income people, social security medical care is the foundation and commercial insurance is the supplement; But for high-income people, commercial insurance is the foundation, and social security medical care is only a supplement. In other words, the higher the income at work, the stronger the demand for "high-quality pension" after retirement. Therefore, the more high-income people, the more they should plan their future lives as soon as possible.
Q: How does the healthy life security plan reflect the function of "preventing diseases and providing for the elderly without diseases"?
A: The Healthy Life Protection Plan provides regular protection for 32 major diseases. During the guarantee period, if the customer suffers from a major disease within the scope of protection, he can get critical illness insurance; If you live to be 70 or 80 years old, you can get back the premium paid as a pension.
Q: How does the Health Life Insurance Plan get emergency cash and continue to have protection?
A: The health life protection plan has the function of policy loan. As long as the contract is valid and has cash value, when customers need money urgently, they can apply for a policy loan in writing and get emergency cash in time. However, the minimum amount of each loan application is 5,000 yuan, and the maximum amount does not exceed 70% of the cash value of the policy. During the loan period, the policy protection part is still valid.
Q: What kind of people can meet the financial needs of the healthy life security plan?
A: For the young "moonlight clan" in modern society or those who don't have better financial channels, the health life protection plan can be a good means of compulsory savings and financial management, which can not only retain a certain income, but also solve the worries of once suffering from major diseases.
Q: Do people over the age of 50 need a physical examination to apply for a healthy life protection plan?
A: Those who are 50-65 years old and have no previous medical history can be exempted from inspection if the insured amount does not exceed 50,000 yuan. This is also one of the advantages of this product, which relaxes the insurance conditions and is easier to underwrite, so that more middle-aged and elderly people can have a healthy life.
Q: What are the advantages of children's group insurance in the Healthy Life Insurance Plan?
A: The maximum insurance coverage for children aged 3 ~ 17 who are exempt from physical examination under the Healthy Living Security Plan can reach 200,000 yuan, which is the first in the industry. This also meets the needs of some high-income families for children's critical illness protection, and insurance is simpler.
This product will be promoted nationwide in February, please contact your local branch or business personnel.