I. Product Features
1, low premium, high security
This product has strong competitiveness in the same industry, mainly because of its low rate and high cost performance.
2, safety, lifelong safety
Protect your life; Taking care of your illness: protecting your high disability;
3. There are more dividends every year.
Compound interest, flexible collection, until life.
4, can be transformed, can support the elderly.
At the age of 65, you can choose to receive the survival insurance money in one lump sum and the contract will be terminated. If you don't receive it, you will be guaranteed for life.
Second, protect the types of serious diseases.
1, malignant tumor; 2. Acute myocardial infarction; 3. Sequela of cerebral apoplexy; 4. Major organ transplant surgery; 5, coronary artery bypass grafting (or coronary artery bypass grafting) 6, end-stage renal disease (or uremia stage of chronic renal failure); 7. Multi-limb loss; 8. Acute or subacute severe hepatitis; 9. Benign brain tumor; 10, decompensated stage of chronic liver failure; 1 1, encephalitis sequela or sequelae of meningitis; 12, deep coma; 13, binaural deafness; 14, blindness in both eyes; 15, paralysis; 16, heart valve surgery; 17, severe Alzheimer's disease; 18, severe craniocerebral injury; 19, severe Parkinson's disease; 20. Severe third-degree burns; 2 1, severe essential hypertension; 22. Severe motor neuron diseases; 23 loss of language ability; 24, severe aplastic anemia; 25. Aortic surgery; 26. Multiple sclerosis; 27, end-stage lung cancer; 28. Brain surgery; 29. Polio; 30. Severe muscular dystrophy; 3 1, acute hemorrhagic necrotizing pancreatitis; 32 years old, invasive mole.
This is just a brief explanation, and the details are subject to the terms of the contract.
Third, insurance rules.
1. The insurance plan consists of Taikang Healthy Life whole life insurance (dividend-sharing type) and Taikang Additional Healthy Life Lifelong critical illness insurance. Main insurance and additional insurance cannot be sold separately.
2. The insured age is 0 years old (30 days after birth and discharge) to 70 years old (inclusive). The insurance age is 0-60 years old (inclusive), and the payment period cannot exceed 65 years old; The insured is over 6 1 year (inclusive), and the payment period can only be one sexual intercourse.
3. The payment period of the main insurance and the additional insurance of this insurance plan must be the same, which is one sexual intercourse, 5 years, 10 year, 15 year, 20 years.
4. This insurance plan is made in duplicate, one for 600 yuan, and at least two copies are insured.
5. The occupational category of the insured in this insurance plan is limited to 1 to 6. 5, 6. If there is no increase in professional fees for occupational insurance, the refusal of insurance will not be accepted;
Four. insured liability
1, death insurance
If the insured dies within 1 year from the effective date of this contract, and there is no accidental injury, we will pay death insurance money, the amount of which is equal to the accumulated insurance money paid in this contract and supplementary contracts, and this contract will be terminated.
If the insured dies due to accidental injury, or after 1 year from the effective date of this contract, we will pay death insurance, and this contract will be terminated.
2. High disability insurance premium
If the insured is highly disabled due to non-accidental injury within 65,438+0 years from the effective date of this contract, we will pay a high amount of disability insurance money, the amount of which is the accumulated insurance money paid by you in this contract and additional contracts, and this contract will be terminated.
If the insured suffers from high disability due to accidental injury, or after 1 year from the effective date of this contract, we will pay high disability insurance money, and this contract will be terminated.
3. critical illness insurance King
If the insured suffers from serious illness within 1 year from the effective date of this contract, we will pay the serious illness insurance premium, and the contract will be terminated.
If the insured suffers from serious illness due to accidental injury, or if the insured suffers from serious illness after 1 year from the effective date of this contract, we will pay the serious illness insurance money, and this supplementary contract and the main contract will be terminated at the same time.
4. One-time option
If the insured is still alive on the first corresponding day when this contract comes into effect every year after reaching the age of 65, the beneficiary of the survival insurance money can choose to receive the survival insurance money in one lump sum, the amount of which is 60% of the insured amount, and this contract is terminated. If you don't get it, you will be guaranteed for life.
5. Policy dividend
In each policy year, if this contract is valid, we will decide whether to pay dividends to you according to the actual operation of dividend insurance business. If there are dividends, we will determine the amount of dividends to be distributed to you according to the regulations of the insurance regulatory authorities on the policy dividend payment date.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.