Upgrade guarantee, light responsibility for all kinds of serious diseases.
Follow the industry norms, extend up to 35 major diseases and surgical protection, make a more detailed and comprehensive health protection commitment, protect your health and wealth, and make your life stable and your family feel more at ease even if you are unfortunately faced with diseases.
Humanistic care, special disease protection and peace of mind rehabilitation
8 kinds of specific diseases guarantee warm heart design, relieve medical pressure, help you care intimately, recover quickly, and maintain your normal and high-quality life quality.
Give timely help, and advance some major operations to relieve stress.
Apply for 50% immediate insurance in advance for four specific major operations before the operation. The novel and practical function emphasizes people-oriented, provides you with financial assistance in time, eliminates the anxiety and worry of huge operating funds, and calmly handles life difficulties.
Sincerely protect and respect the comprehensive protection of healthy life.
It is widely applicable and can be insured from 30 days of birth to 60 years old. The waiting period is as short as 90 days. You don't have to wait too long to get all kinds of medical insurance. At the same time, you have enough protection for death and total disability. Once you have it, promise to accompany you for life and wholeheartedly provide you with life dignity.
Buying skills
1, insurance coverage
Insurance age: 30 days after birth to 60 years old.
2. Payment method
Bulk delivery, 5 years, 10 years, 15 years, 20 years, 30 years.
3. Insurance period
Life insurance.
Safeguard responsibility
Death or total disability protection
(1) If the insured dies or is totally disabled due to reasons other than accidental injury within 90 days from the effective date of the insurance contract or the last reinstatement date (whichever is later), we will pay the death or total disability insurance premium according to the amount you have paid, and the insurance contract will be terminated;
(2) The insured suffers accidental injury within the validity period of the insurance contract, resulting in death or total disability, or dies or is totally disabled due to reasons other than accidental injury 90 days after the insurance contract takes effect or the last reinstatement (whichever is later), and the insurance contract is terminated.
major disease security
(1) Within 90 days from the effective date of the insurance contract or the last reinstatement date (whichever is later), if the insured is diagnosed with a major disease (one or more diseases) agreed in the insurance contract for the first time, we will pay the critical illness insurance premium according to the premium you have paid, and the insurance contract will be terminated;
(2) The insured is first diagnosed with a major disease (one or more diseases) agreed in the insurance contract 90 days after the insurance contract takes effect or after the last reinstatement (whichever is later), and we pay the critical illness insurance premium according to the immediate insurance amount, and the insurance contract is terminated.
(3) During the validity period of the insurance contract, if the insured suffers from serious illness due to accidental injury, even if the illness is diagnosed within 90 days from the effective date of the insurance contract or the last reinstatement date (whichever is later), we will still pay the serious illness insurance money according to the immediate insurance amount, and the insurance contract will be terminated.
advance payment
(1) Advance payment for some major operations
"Specific major surgery" refers to major surgery that can be paid in advance according to the insurance contract, especially coronary artery bypass grafting, major organ transplantation (excluding hematopoietic stem cell transplantation), heart valve surgery and aortic surgery defined in "10". Definition of major diseases in this insurance clause.
If the insured is diagnosed with illness for the first time 90 days after the effective date of the insurance contract or after the last follow-up visit (whichever is later) and has been admitted to the hospital, he can apply to us for special major surgery to pay in advance within 10 days. After our examination and approval, we will pay 50% of the immediate insurance amount to the beneficiary of critical illness insurance in advance for certain major operations, and pay the rest according to the insurance contract after the operation. If the insured fails to perform the operation on schedule after receiving the advance insurance money for some major operations, the beneficiary of the critical illness insurance money shall refund the advance insurance money in full within 30 days after the scheduled operation. If the insured sets a new operation date within 30 days after the original operation date, the 30-day period will be recalculated from the new operation date. If the beneficiary of critical illness insurance Gold fails to fully refund the premium we have paid in advance within the above-mentioned period, we will charge interest on the unpaid part from 0: 00 the day after the expiration of the 30-day period, and the interest rate will be implemented according to the interest rate agreed in "5.3 Automatic Payment of Premium" in this insurance clause.
(2) Care for specific diseases is paid in advance.
"Specific diseases" refers to the diseases that can be paid in advance according to the insurance contract, especially the eight diseases defined in the insurance clause "1 1". Definition of specific diseases ".
If the insured is diagnosed with a specific disease stipulated in the insurance contract for the first time after 90 days from the effective date of the insurance contract or the last reinstatement date (whichever is later), we will pay 30% of the immediate insurance amount to the beneficiary of the critical illness insurance, and only 65,438+000,000 yuan will be paid in advance if the 30% of the immediate insurance amount exceeds 65,438+000,000 yuan. Unless otherwise agreed in the insurance contract, the advance payment for each specific disease care is limited to one time. After the advance payment is paid, the insurance contract will remain valid.
(3) If the insured undergoes a major operation or the specific disease diagnosed is caused by accidental injury within the validity period of the insurance contract, even if the disease diagnosis occurs within 90 days from the effective date of the insurance contract or the last reinstatement date (whichever is later), we will still pay the insurance premium in advance according to the corresponding agreement.
In any case, the cumulative payment amount of various insurance benefits (including various insurance benefits paid in advance) is limited to the immediate insurance amount. When the accumulated insurance premium (including the insurance premium paid in advance) reaches the immediate insurance amount, the insurance contract is terminated.
Housing comprehensive insurance covers a wide range of risks.
Did you spend a lot of energy and material resources to decorate your home? The comprehensive housing insurance not only covers the damage to the house, but also covers the loss of home decoration, furniture and household appliances other than mobile phones, laptops, bedding, clothes and other family property;
How to protect the cash, gold, silver and jewelry at home? Comprehensive housing insurance can help you solve your worries and take such risks, and even it can bear the rental expenses when your insured family property is uninhabitable due to accidents.
Have you ever seen someone who lives in a tall building, because the flowerpot fell and hurt others, not only should you compensate others for their losses, but you should also be condemned? Comprehensive housing insurance can solve this problem for you. Bear the personal injury or property loss of the third party caused by the collapse, falling off, falling and bursting of the ancillary facilities, shelves and pipes in your house, so that you can avoid the disputes and troubles caused by civil liability.
Provide a variety of options
Comprehensive housing insurance is divided into four types: A, B, C and D. Each clause has two policy formats, and the insured amount is 15000 yuan and 50000 yuan respectively. The purchase score of the guarantee amount can be increased according to the number of purchases, and the risk protection can be selected at will according to the demand.
Terminology introduction
(1)
1. Losses suffered by family property due to natural disasters and accidents, but losses such as cash, gold, silver and jewelry are not covered;
2. Rental expenses incurred by the insured's inability to live due to accidents;
3. Devices, shelves and pipes attached to houses collapse, fall off and rupture due to accidents, resulting in personal injury or property loss to third parties.
(2) paragraph b
On the basis of item A, increase the loss of family property caused by water pipe burst.
(3) paragraph c
On the basis of A and B, increase the loss of family property caused by theft and burglary with obvious signs of theft.
(4) paragraph d
On the basis of covering the insurance liabilities of the above three products, cover losses such as cash, gold, silver and jewelry. The above product descriptions are for reference only, subject to the insurance clauses.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.