1. Malignant tumor
2 1. Severe primary pulmonary hypertension
2. Acute myocardial infarction
22. Severe motor neuron disease
3. Sequela of cerebral apoplexy
23. Loss of language ability
4 major organ transplantation or hematopoietic stem cell transplantation
24. Severe aplastic anemia
5. Coronary artery bypass grafting
25. Aortic surgery
6. End-stage renal disease (or uremia stage of chronic renal failure)
26. Severe multiple sclerosis
7. Multiple limb loss
27. Severe chronic respiratory failure
8. Acute or subacute severe hepatitis
28. Severe coronary heart disease
9. benign brain tumor
29. polio
10. decompensated stage of chronic liver failure
30. Muscular dystrophy
Encephalitis sequela or sequelae of meningitis.
3 1. HIV infection caused by blood transfusion
12. Deep coma
32. Chronic recurrent pancreatitis
13. Deafness in both ears
33. Severe cardiomyopathy
14. Blind
34. vegetative state
break down
35. Systemic myasthenia gravis
16. heart valve surgery
36. Necrotizing fasciitis
17. Severe Alzheimer's disease
37. Severe Crohn's disease
18. Severe brain injury
38. Severe rheumatoid arthritis
19. Severe Parkinson's disease
39. Gangrene caused by hemolytic streptococcus
20. Severe third-degree burns
Please refer to the terms of the contract for specific insurance liabilities.
Note: Under the agreed circumstances, the Company does not assume the insurance liability. Please pay attention to the exemption clause in the insurance clause.
Insurance notice
1. Insurance age: main insurance: 30 days after birth (inclusive) to 55 years old (inclusive)
2. Insurance period: life.
3. Payment period: 10 years, 15 years, 20 years, 25 years.
Insurance liability of happy life and healthy old-age security plan
This plan consists of "Happy Life Old-age Security (Dividend-sharing)" and "Happiness Plus Happy Life Paying Critical Illness Insurance in Advance".
1. Death insurance
2. Due premium
3. Early treatment insurance money
4. King of critical illness insurance
Please refer to the terms of the contract for specific insurance liabilities.
Note: Under the agreed circumstances, the Company does not assume the insurance liability. Please pay attention to the exemption clause in the insurance clause.
Insurance notice
1. Insurance age: main insurance: 30 days after birth (inclusive) to 55 years old (inclusive).
2. Additional risks: 30 days after birth (inclusive) to 55 years old (inclusive).
3. Payment period: 10 years, 15 years, 20 years.
4. Insurance period: until the insured reaches the age of 70 or 80.
5. Insurance premium requirements: the minimum basic insurance amount of each policy of the main insurance is 10000 yuan, and the insurance amount of the part above 10000 yuan should be an integer multiple of 1000 yuan.
6. Insurance requirements: the main insurance and additional insurance must be insured at the same time, and the basic insurance amount, insurance period and payment period must be the same.
Insurance case
Ms. Li insured the happy life health protection plan for Xiao Ming, a newborn child, and chose the basic insurance amount of 65,438+000,000 yuan and the payment of 65,438+00 years. Annual premium is 267 1 yuan, 10 * * * premium is 267 10 yuan.
Case 1: If it is unfortunate that I need to have a heart valve operation when I turn 25 next year, we will pay the pre-treatment insurance premium 10000 yuan. At the age of 65, he unfortunately suffered from malignant tumor, and we lost 90 thousand. At this point, the effectiveness of the main supplementary insurance contract is terminated at the same time.
Case 2: If Xiaoming dies at the age of 60, we will pay death insurance 100000 yuan. The main insurance in the protection plan is at the middle level of dividend, and the total accumulated dividend at the end of this year is 83,050.48 yuan.
Case 3: If Xiaoming survives until the policy expires, and there is no serious illness stipulated in the policy during the insurance period, we will pay 65,438+000,000 yuan of maturity insurance. The main insurance in this protection plan is at the middle dividend level, and the total accumulated dividend at the end of this year is 1278 10.55 yuan.
statement
1. The above demonstration of income is based on the actuarial and other assumptions of the company, and does not represent the company's historical operating performance, nor can it be understood as an expectation for the future. Dividend distribution is uncertain.
2. The accumulated dividend interest rate of the previous year is calculated on the assumption of 3%. The accumulated dividend interest rate is not guaranteed and is announced by the company every year.
3. The specific responsibilities and matters not covered shall be subject to the terms and insurance contract of the old-age security of Happy Life (dividend-sharing type) and the advanced payment of critical illness insurance by Happy Life plus Happy Life.
Risk warning: This product is dividend insurance, and the dividend is uncertain.