Product name: Tianan Life Health Source 2020 Lifelong Critical Illness Insurance
Product type: offline sales, savings, and critical illness insurance paid by critical illness groups for many times.
Insurance age: 28 days after birth to 60 years old.
Insurance period: life.
Payment method: wholesale payment /3 years /5 years/10 years /20 years /30 years.
Requirements for insurance coverage: the minimum insurance coverage is 10000 yuan, and the excess should be an integral multiple of the insurance coverage 1000 yuan.
Hesitation period: 15 natural days
Waiting period: 90 days
Severe diseases 106 species, divided into six groups. Pay the paid premium/cash value/100% of the basic insurance amount, whichever is greater/10%/120%/130%/140% of the basic insurance amount.
There are 20 diseases in China, and each payment is limited to 60% of the basic insured amount, and it is paid in two installments.
There are 35 kinds of mild diseases, and each payment is limited to 45% of the basic insured amount, and it is paid in four times.
Include this responsibility.
Include this responsibility.
/kloc-pay 200% premium before 0/8 years old,/kloc-pay a large amount of insurance/premium/cash value after 0/8 years old.
Mild, moderate and severe diseases are exempt from renewal.
Mild illness, moderate illness, serious illness, death and total disability are exempt from subsequent premiums.
Comments: This product has a comprehensive exemption for policyholders. When insuring children, try to add the applicant's exemption.
If he is over 60 years old since the effective date of the policy, has never suffered from any serious illness referred to in this contract, and has been hospitalized in a hospital recognized by our company, he shall pay the hospitalization nursing allowance insurance according to the basic insurance amount in this contract multiplied by the actual hospitalization days.
1. If two or more mild/moderate diseases referred to in this contract are diagnosed for the first time due to the same cause, the same medical behavior or the same accidental injury accident, only one of the mild/moderate diseases will be paid as insurance money.
For example, our company is only responsible for minor illness insurance premiums of "6.5.2 atypical myocardial congestion", "6.5.3 minimally invasive coronary artery bypass surgery" and "6.5.4 minimally invasive coronary intervention surgery".
2. Extremely early malignant tumor or malignant lesion will receive twice the nursing fee, and extremely early malignant tumor or malignant lesion will receive three times the nursing fee: the organ where the diagnosed "extremely early malignant tumor or malignant lesion" is located must be different from the organ where it was first diagnosed. Among them, if an organ is composed of left and right parts, the left and right parts of the organ are regarded as the same organ.
3. The second payment of cancer consolation money and the third payment of cancer consolation money:
The second diagnosis of malignant tumor must be 5 years from the first diagnosis of malignant tumor, and must meet one of the following conditions:
1) and the first diagnosed malignant tumor belong to different histopathological types;
2) It is the first time that a malignant tumor has recurred or spread, and before the recurrence or spread, the first-time diagnosed malignant tumor has reached clinical complete remission. The so-called clinical complete remission means that hours have passed since the initial diagnosis of malignant tumor by physical examination, laboratory examination and imaging examination. In this case, the claim requires the medical certificate issued by the specialist in the hospital recognized by our company and the corresponding evidence of image examination and/or laboratory examination.
You can enjoy the green link service, including a series of intimate benefits such as medical treatment in different places, reimbursement of transportation and accommodation, arrangement of hospitalization in specialized hospitals, appointment of expert diagnosis and treatment, and expert surgery.
Tianan Life Insurance Co., Ltd. was established in June, 2000 +065438+ 10, with its headquarters in Beijing, and it deals in various life insurance, health insurance, personal accident insurance and endowment insurance. In 20 18, the total assets exceeded193.7 billion yuan, the original insurance premium exceeded 58.5 billion yuan, and the annual policy value premium was nearly/kloc-0.5 billion yuan, a year-on-year increase of 74%.
Disadvantages:
Multiple payments for malignant tumors, with an interval of 5 years, can meet one of the following two conditions:
1) recurred or spread, and the malignant tumor diagnosed for the first time has reached clinical complete remission.
2) Newly diagnosed malignant tumor and newly diagnosed malignant tumor belong to different pathological and histological types.
Cancer in situ is paid for many times, and different parts are required, and the same part is paid only once. However, there is no such clause in general critical illness insurance, which is better than nothing.
Advantages:
The proportion of compensation for mild and moderate diseases is high.
In the life-long serious illness with death as the responsibility, the cost performance is higher.