First of all, friends who don't know insurance should collect this dry goods first: before buying insurance, you should first understand these key knowledge points!
Let's take a look at the protection map of Harmonious Kangfu Nursing Insurance (universal):
Harmony Kangfu Nursing Insurance (Universal) supports people between 28 days and 65 years old. This product can provide five-year guarantee for the insured, and there are two payment methods: wholesale payment and additional premium.
During the insurance period, Harmony Kangfu Nursing Insurance (universal type) will provide the insured with nursing guarantee, illness death guarantee and health maintenance guarantee.
Here, first analyze the product form of harmonious Kangfu nursing insurance (universal). If you want to know more details, you may wish to continue: I heard that "Harmonious Kangfu Nursing Insurance" is a scarce universal insurance? Is it worth insuring?
There is a health maintenance insurance payment responsibility in the protection content of harmonious Kangfu nursing insurance (universal type), which is actually similar to our common expiration insurance payment, and the premise of payment is that the insured survives until the insurance expires.
However, compared with some similar products with a long guarantee period, consumers will actually have a higher probability of surviving until the expiration of the insurance period if they take out Harmony Kangfu Nursing Insurance (universal insurance) with a guarantee period of only 5 years, and the probability of obtaining health maintenance insurance money will also increase accordingly.
Harmonious Kangfu Nursing Insurance (universal) has its own universal account, with a guaranteed interest rate of 2.5%, which is at a medium level in the market. Other common universal accounts have guaranteed interest rates of 2% and 3%.
Finally, you can move here to learn more about universal insurance: how much can you earn by buying universal insurance? Don't be sold. It was fun.
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