How about Xinhua Life Insurance's health, auspiciousness, profit increase and critical illness insurance?

In recent years, the insurance industry has developed rapidly, and many people around have bought one insurance after another. Dividend insurance, accident insurance, education insurance and critical illness insurance are all available. Of course, not everyone's insurance awareness is in place. Maybe some people are only willing to accept one or two of them, or even buy too much insurance. They think insurance is enough. Why do they buy so many? However, the insurance I'm going to tell you today may be of some interest to you. When Xinhua Life Insurance was listed, it was advertised as an insurance that would grow. This insurance is the critical illness insurance of good health. Next, let's take a look.

The insurance of critical illness insurance has been listed for many years, and it is considered an old-timer, but it is still on sale. As can be seen from its product name, the increase is the insured amount, indicating that the insured amount of Health Fuxing will increase. The specific increase method, let's look down.

If the insured suffers from accidental injury or illness one year after the effective date of this contract, and the major illness referred to in this contract is diagnosed by the hospital specialist recognized by our company for the first time, our company will pay the critical illness insurance premium according to the basic insurance amount x( 1+3%x policy for the whole year).

The above paragraphs are the original clauses of the insurance contract. Simply put, this insurance is valid for one year. This validity period is also the observation period or waiting period. After one year, if you are diagnosed with illness, you can pay. When paying, pay according to the basic insurance amount x( 1+3%x policy runs through the whole year). It seems complicated. To put it bluntly, its insurance coverage will increase by 3% every year. Let me give you an example to make it easier for you to understand.

Suppose Lao Wang bought 65,438+10,000 insured healthy Fuxing this year. One year later, the insured amount of 654.38+10,000 yuan increased by 3%, becoming 103000 yuan. After 10 years, the insured amount increased by 30%, reaching 130000 yuan. After 30 years, the insured amount increased by 90% to 190000 yuan. By analogy, the longer the time, the higher the insured amount. In the year when the insured is diagnosed with illness, we can calculate the insurance premium of that year by multiplying the policy by the corresponding percentage.

It can be seen that this kind of insurance is actually more suitable for young people to buy, because the longer the policy takes effect, the higher the insured amount.

After talking about its increasing method, we have to talk about its guarantee. Health Fuxing covers 45 major diseases and pays 100% of the basic insurance amount after diagnosis. The applicant's immunity is also available. Now, 45 kinds of major diseases are indeed a little less, but this insurance was listed by Xinhua Life Insurance Company on 20 14, and the coverage at that time was not inferior at all.

In addition, Health Fuxing has another function, that is, convertible pension. From the age of 66, the insured can choose whether to convert this insurance into a pension, continue to enjoy the protection, or convert it into a pension.