How long: for life.
Waiting period: 180 days
Protect what:
1, not accidental death or total disability
Under the age of 18, after the waiting period, if you die or are completely disabled, you will be refunded 150% of the premium paid.
At least 18 years old, and after the waiting period, no accidental death or total disability, compensation shall be paid at 100% of the basic insurance amount.
During the waiting period, if there is no accidental death or total disability, the premium paid will be refunded.
2. Accidental death or total disability
150% of the premium paid will be refunded if you are under the age of 0/8 and have died unexpectedly (excluding sudden death) or are totally disabled.
At least 18 years old, who died unexpectedly (excluding sudden death) or was totally disabled, and paid 100% of the basic guarantee.
3, 8 1 major diseases
During the waiting period, if you suffer from an agreed major illness, the premium paid will be returned.
After the waiting period, if you suffer from an agreed major illness, you will pay 100% of the basic insurance amount.
(Note: Serious illness caused by unexpected reasons is not limited by the waiting period, and is paid according to 100% of the basic insurance amount. )
Note: Only one of death or total disability insurance and serious illness insurance is paid.
4, 4 1 mild disease (guaranteed to 70 years old), up to 5 times can be paid.
During the waiting period, if you suffer from the agreed mild illness, the premium paid will be refunded.
After the waiting period, if you suffer from the agreed minor illness, you will pay 20% of the basic insurance amount, and the contract will remain valid.
(Note: For minor illnesses caused by unexpected reasons, there is no waiting period, and 20% of the basic insurance amount will be paid. )
5. Mild illness is free of premium.
If the insured suffers from the agreed mild illness, the residual premium will be exempted and the protection will still be effective.
Fude Sino-Life Jian Kang Wuyou Product Features
Covering 8 1 serious disease and 4 1 mild disease-supporting a "healthy umbrella" for life.
"Worry-free Health" covers 8 1 major diseases and 4 1 minor diseases, totaling 122 diseases. 8 1 kind of serious diseases, including malignant tumor (cancer), major organ transplantation, 1 type diabetes, etc. Mild symptoms include cancer in situ, coronary artery surgery and other common diseases. The extensive coverage of various common serious diseases and mild diseases makes "health and worry-free" the most comprehensive serious illness insurance in the market at present, effectively supporting a "health umbrella" for the life and family of the insured.
Minor illness can be exempted from premium-humanized design shows concern
In the design of this product, mild illness exemption is a highlight worthy of attention. The so-called minor illness exemption means that if the insured suffers from one of 465,438+0 minor illnesses, Fude Life will not only pay 20% of the minor illness insurance premium according to the contract, but also waive the remaining unpaid premium, and the remaining cumulative payment for minor illnesses and major illness protection will still be effective. This concept of not paying fees after illness greatly reduces the economic pressure of insured customers and fully embodies the humanized care of insurance.
Parent-child protection-an insurance that benefits two generations.
Health and worry-free are divided into two types: AB. Compared with Type A, Fude Life Insurance Type B is healthy and worry-free, with the characteristics of insurance, benefiting two generations and parent-child protection. If the parents take out insurance once, the children can take out insurance twice and enjoy 50% of the total insurance amount. For example, if a mother takes out 500,000 "Healthy Life" Type B critical illness insurance, her children can have 250,000 equal liability protection like the second insured. It should be reminded that the insurance age of the second insured of product B is from 25 days to 17 years old, and the child is guaranteed to be 25 years old (excluding). According to the person in charge, this design embodies the design concept of sharing the responsibility risk for parents during the "responsibility period" through insurance.
Turn products from fees to benefits-maximize the benefits for customers.
Not only the guarantee is comprehensive, but also the cost performance of this product is very high. According to the person in charge of the product marketing department of Fude Life Insurance, health and worry-free is the first critical illness insurance product launched by Fude Life Insurance after the market-oriented reform of insurance rates. The predetermined interest rate of this product is 3.5%, which is very cost-effective among similar products, allowing customers to have higher protection with lower premiums, reflecting the maximum value of insurance.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.