The following is a detailed introduction and examples of this product for your reference ~ ~
[Auspicious hospitalization allowance] Adults: The insured age of this insurance plan is 18 to 50 years old (inclusive). This insurance plan cannot be attached to any other insurance and is not sold in the family protection plan. The insured age of minors in this insurance plan is 0 years old (discharged 30 days after birth) to 17 years old.
Four outstanding features: guarantee to be 88 years old. "Taikang Jixiang" breaks through the restrictions, protects the 0-88 age group and fills the insurance market.
Vacant rooms provide security for the elderly. There is no limit to the scope of the disease, repeated hospitalization and multiple claims. "Taikang Jixiang" provides long-term protection, no hospitalization, no illness.
The restriction of disease types will not stop because of the deterioration of the insured's health. The maximum hospitalization allowance is paid for each hospitalization.
180 days, the cumulative maximum coverage during the whole insurance period 1000 days, giving customers the longest and maximum coverage. Refund of insurance premium and bonus. For customers, buy "Taikang Jixiang", guarantee for life, and get hospitalization allowance.
Return all the premiums paid at maturity and enjoy dividends. Does the insured die unfortunately or survive during the guarantee period?
At the expiration of the time limit, Taikang Jixiang will return all the premiums paid and pay dividends;
Insurance benefits: Mr. Zhang, aged 32, insured the "Personal Hospitalization Medical Savings Account" until he was 88 years old, and saved 4,540 yuan every year for 28 years, with a cumulative deposit of 127 120 yuan.
Advantage description:
1. Personal hospitalization medical savings account: the guarantee is as high as 1 000 days, and the maximum can reach 200 yuan/day * 1 000 days = 200,000 yuan.
Include: 1. Accidental injury hospitalization: actual hospitalization days *200 yuan/day.
2. Hospitalization due to illness: (actual hospitalization days -3 days) *200 yuan/day.
2. Maturity survival fund account: at the age of 88, you can receive the principal 127 120 yuan.
3. Savings dividend account: once owned, you can share the operating results of Taikang Life Insurance, and the dividends will be calculated in the form of compound interest.
At the age of 65, the accumulated dividend is about 69,753 yuan; At the age of 75, the accumulated bonus is about: 133548 yuan; 88 years old, the accumulated bonus is about 26040 1 yuan.
4. Personal protection account: due to accident or illness, you can get the following personal protection:
Savings period: 4540 yuan/year * savings times+accumulated bonus;
Savings fraud: principal (127 120) yuan+accumulated bonus of about 26040 1 yuan =38752 1 yuan.