Health Fuxing increases life-long critical illness insurance coverage
Product characteristics
Send charcoal in the snow, comprehensively standardize the protection of serious illness
32 kinds of serious diseases include the vast majority of high-risk common diseases, and the protection is comprehensive.
A rising tide lifts all boats, and the health fund grows rapidly.
The amount of insurance is increasing rapidly every year, and the health account has sufficient funds to protect happy families.
Sit back and relax, and upgrade your premium account every year.
The insured amount is increasing steadily every year, which reflects the dignity of lifelong health protection.
The icing on the cake is the flexible choice of pension function.
After the age of 66, you can flexibly change the pension annuity, and choose one vote and two choices, which will add icing on the cake to your later life.
Basic product information
Payment method: one-time payment, 10 year, 20 years, 30 years.
Insurance period: life.
Insurance age:
One-time payment: more than 30 days -60 years old
10 year: more than 30 days -50 years old.
20 years: over 30 days -45 years old
30 years old: more than 30 days -40 years old
insured liability
1, critical illness insurance:
In case of one of the 32 major diseases listed in the additional insurance contract:
Pay the basic insurance amount × 10%+ paid premium within one year after the contract comes into effect;
After the contract comes into effect or one year after it comes into effect, the basic insurance amount shall be paid ×( 1 +3%× the policy has expired for one year).
2. Insurance premium for death due to illness (32 major diseases not specified in the contract):
Within one year after the contract comes into effect, pay the basic insurance amount × 10%+ paid premium;
One year after the contract comes into effect, the basic insurance amount shall be paid ×( 1+1%× the policy has expired for one year).
3. Accidental death insurance:
Basic amount of insurance paid ×( 1+1%× the policy has passed the whole year).
Suitable crowd
"Healthy and affluent life critical illness insurance" is applicable to a wide range of social groups, and children and adolescents can be insured.
Interest display
Take a 30-year-old male as an example.
This type of insurance is referred to as the basic insurance premium payment period, and the insurance premium is paid every year during the guarantee period.
Healthy Fuxing increased by 654.38+10,000 yuan, and the 20-year lifetime payment was 4,860 yuan.
Additional hospitalization (with social security) 1 1,000 yuan, one-time payment 1 1,234 yuan.
The annual premium is 5094 yuan/year.
Planned income statement
1. health account: if one of the 32 major diseases listed in the contract unfortunately occurs: one year after the contract comes into effect or comes into effect, it will pay RMB 654.38+10,000 ×( 1+3%× the policy has been completed for a whole year), that is, it will increase by RMB 3,000 per year on the basis of RMB 654.38+10,000.
2. Value account: after the contract comes into effect for one year, due to accidental injury or illness, the payment is RMB 6,543.8+10,000 × (654.38+ 0+654.38+ 0% × the policy has passed the whole year), that is, the annual increase is RMB 6,543.8+0,000 on the basis of RMB 6,543.8+10,000.
3. Medical account: for each hospitalization, 90%~ 95% will be reimbursed for the part exceeding 300 yuan, and the accumulated reimbursement can be 1 10,000 yuan/year.
4. Pension account: At the age of 66, you have the right to convert pension annuity.
Health, good luck, double growth and lifelong critical illness insurance.
Insurance characteristics
Send charcoal in the snow, comprehensively standardize the protection of serious illness
33 kinds of serious diseases include the vast majority of high-risk common diseases, and the protection is comprehensive.
A rising tide lifts all boats, and health funds grow rapidly.
The amount of insurance is increasing rapidly every year, and the health account has sufficient funds to protect happy families.
Sit back and relax, and upgrade your premium account every year.
The insured amount is increasing steadily every year, which reflects the dignity of lifelong health protection.
The icing on the cake is the flexible choice of pension function.
After the age of 66, the pension annuity can be flexibly converted, and there are two options for an investment.
insured liability
critical illness insurance
Within one year after the contract comes into effect, 65438+ 00% of the basic insurance amount+paid premium.
One year after the contract comes into effect, the basic insurance amount is ×( 1 +5%× the policy has expired for one year).
Insurance premium for death due to illness (death due to illness not within the scope of this contract):
Within one year after the contract comes into effect, 65438+ 00% of the basic insurance amount+paid premium.
One year after the contract comes into effect, the basic insurance amount is ×( 1 +5%× the policy has expired for one year).
Accidental death insurance
Basic coverage ×( 1 +5%× policy has passed the whole year)
Insurance case
For example, at the age of 30, Mr. Wang bought the "Health Fuxing Life-long Critical Illness Insurance" with an insurance amount of 654.38+10,000, and paid a premium of 8,500 yuan in 20 years. After the policy expires for 20 years, the insurance benefits are as follows:
(1) The health account is 200,000 yuan, and the calculation method is: 654.38+10,000 yuan ×( 1+ 5%×20 years) = 200,000 yuan.
If you have one of the 33 major diseases at this time, you can get a critical illness insurance Fund of 200,000 yuan once you are confirmed to be within the scope of policy protection;
(2) The value account is 200,000 yuan, and its calculation method is: 65438+ 10,000 yuan ×( 1+ 5%×20 years) = 200,000 yuan.
If you die of illness (out-of-contract illness) or accident, you can get 200,000 yuan of death security;
(3) If you live a healthy life, you can also convert all or part of the corresponding cash value into an old-age pension after reaching the age of 66.