I. Introduction to Health and Worry-Free (Version 20 19)
Underwriter: Fude Sino Life
Insurance age: 30 days -65 years old
Hesitation period: 15 days
Waiting period: 90 days
Warranty period: life.
Payment method: wholesale payment/3/5/10/15/19/20 years.
Types of mild diseases: 32 kinds
Payment times: 5 times
Compensation amount: 20% of the insured amount.
Types of TCM diseases: 20 kinds
Payment times: 2 times
Compensation amount: 60% of the insured amount.
Type of serious illness: 108
Payment times: 1 time
Compensation amount: 65438+ 000% of the insured amount.
Life insurance recovery: The insured can enjoy 50% of the insured amount when he dies after being diagnosed with a major disease agreed in the contract for the first time and surviving for more than 365 days.
Death/total disability: 100% insurance
Exemption of the insured: mild illness.
Premium calculation, 300,000 insured amount, to be paid in 20 years:
Male 30 years old: 8 160 yuan;
Female 30 years old: 7590 yuan.
This is a single payment for critical illness insurance. The biggest highlight of this product is that the contract will not be terminated after the serious illness is paid, but the insured can pay 50% of the basic insured amount if he dies 365 days after the serious illness is diagnosed.
Second, enjoy the health introduction.
Underwriter: Fude Sino Life
Insurance age: 0-60 years old
Warranty period: life.
Maximum payment period: 20 years
Waiting period: 90 days
Type of serious illness: 120
Compensation amount: the insured amount. 18 years old, the first payment 150% of the insured amount.
Payment times: 5 times
Payment interval: 180 days
Types of TCM diseases: 20 kinds
Compensation: 60% of the insured amount.
Payment times: 2 times, without grouping.
Payment interval: no interval
Types of mild diseases: 32 kinds
Compensation: 30%
Number of payments &; Grouping: 5 times without grouping
Payment interval: no interval
Death/total disability: before 18 years old, pay 3 times the premium paid, and after 18 years old, pay the insured amount.
Exemption of the insured: mild/moderate/severe illness.
Other responsibilities:
1. terminally ill insurance premium (optional)
2. All Risks
3. Multiple payments for malignant tumors
4. Multiple compensation for stroke/acute myocardial infarction.
Premium calculation, 500,000 insured amount, 20-year payment, lifetime guarantee:
30-year-old male: 13400 yuan;
30-year-old female: 12350 yuan.
Double health is a critical illness insurance that pays for many times. Serious illness, moderate illness and mild illness are all guaranteed. The maximum compensation for serious illness can reach five times, but there are some defects in disease grouping. Cancer is not divided into a single group, and there are only three groups of high-risk diseases.
Third, the introduction of children's critical illness insurance
Underwriter: Fude Sino Life
Insurance age: 30 days-17 years old
Maximum insured amount: 500,000.
Warranty period: 20/25/30 years
Payment term: wholesale /5/ 10/ 15/20 years.
Waiting period: 180 days
General serious illness: 75 kinds of compensation 1 times, 100% insured amount.
Specific serious illness: 5 kinds, extra payment 1 time, 100% insured amount.
Rare diseases: 5 kinds, extra payment 1 time, 200% guarantee.
Types of TCM diseases: 20 kinds
Payment times: 1 time
Payment ratio: 50% of the insured amount.
Types of mild diseases: 30 kinds
Payment times: 2 times, without grouping.
Payment ratio: 30% of the insured amount
Death protection: the premium or cash value paid, whichever is higher.
Accident protection (optional): accidental death/disability, specific accidental death/disability, accidental fracture and dislocation protection.
Exemption of the insured: mild/moderate illness
Premium calculation, 500,000 insured amount, guaranteed for 30 years, paid in 20 years:
0 year old male: 550 yuan;
3 year old male: 540 yuan;
5-year-old male: 575 yuan.
Tongbao is a regular critical illness insurance for children, and the protection is also very comprehensive, covering serious diseases, moderate diseases and minor diseases. In some diseases, it is also double payment, and rare and serious diseases have reached triple payment. You can add accident insurance. Although the cost performance is not very high, it is still sincere.