Taikang is auspicious.
The full name of Taikang Auspicious is: Taikang Auspicious Comprehensive Health Insurance Plan; It consists of the main insurance Taikang auspicious old-age security (dividend type), two additional insurances Taikang additional auspicious hospitalization allowance medical insurance and Taikang additional auspicious multiple payment serious illness insurance. The following are all hospitalization allowances 100 yuan/day; Critical illness insurance is 654.38+100000 yuan as the calculation basis. Auspicious hospitalization allowance and auspicious serious illness can be purchased separately without matching; Auspicious hospitalization allowance minimum 50 yuan/day; Starting from the minimum amount of 50,000 yuan for auspicious serious illness, a single policy must reach more than 3,000 yuan to enjoy the premium exemption function.
Product features:
1- Don't worry about minor ailments. The maximum compensation for each hospitalization is 180 days, and the daily subsidy is 100 yuan; Within the validity period of the contract, the cumulative payment can be 1000 days.
2- Don't worry about serious illness. (There are 32 kinds of serious diseases in adults and 0/7 kinds of serious diseases in children, which are divided into 4 groups. People suffering from different groups of serious diseases can get 1 compensation, each 1 10,000, and the insurance liability will not be terminated because of the first payment.
3- Survival guarantee, good luck to the old. No matter whether hospitalization allowance or compensation for serious illness occurs during the insurance period, all the premiums paid plus the interest of annual dividends and compound interest will be collected at the expiration of the contract to resist inflation, share the operating results of the company and guarantee the education funds.
4. Premium exemption. Once diagnosed with a major illness, the company will pay all unpaid premiums of the insured (payment period)!
Payment and guarantee methods:
Children's edition: the insured age is 0- 17 years old, the payment period is 8 years, and the guarantee period is 16 years.
Table of insurance amount and rate:
Insure the main insurance, insure hospitalization, and give general insurance for major diseases every year.
Age insurance amount, daily sickness insurance amount, payment amount, insurance premium.
0 years old 7800 yuan 100 yuan/day 100000 yuan 7800 yuan 7800 yuan.
1 6400 100/ day 100000 6400 6400
2 5600 100/ day 100000 5600 5600
3- 17 5300 100/ day 100000 5300
Example of insurance:
At the age of 30, Mr. Kang himself insured Taikang Auspicious Comprehensive Health Insurance Plan. He pays the fee until he is 60 years old and is guaranteed until he is 65 years old. Hospitalization allowance 100 yuan/day, critical illness insurance 100 yuan.
Statement of interest:
Premium paid by Mr. Kang: 5400 yuan/year x payment period (30 years) = * * premium paid (162000 yuan).
Collection method:
1. You can receive the paid premium 162000+ accumulated bonus as a supplementary pension when you reach the age of one.
2. If you die before the expiration, you can receive: paid premium (5,400 yuan/year) x years of payment, plus accumulated bonus at that time.
3. Hospitalization allowance: Accidental hospitalization, actual hospitalization days X 100 yuan/day (hospitalization in a second-class hospital or above is required).
Hospitalization due to illness: (actual hospitalization days -3) x 100 yuan/day (need to stay in Taikang life insurance designated hospital) 180 days for hospitalization once; It takes 30 days to be hospitalized again, and the total compensation can be 1000 days.
4. Claims for major diseases: (17 children's major diseases; After a 90-day observation period, a major disease was diagnosed and 654.38+10,000 yuan was paid. A total of * * * can get four major illness compensation, each time can get 654.38+ ten thousand yuan. (Except suffering from the same disease, the last major illness needs to be 90 days apart from the last major illness). The contract is still valid.
5. Insurance premium exemption. After a 90-day observation period, the insured was diagnosed as seriously ill, and the unpaid premium (5400 yuan/year) during the policy payment period was paid by Taikang Life Insurance Company!
6. Repaying the principal and interest: you can also receive the paid premium (no matter who paid it) 162000+ accumulated bonus once you live to maturity.
If you die before the expiration, you can receive: paid premium (5400 yuan/year) x years of payment, plus the accumulated bonus at that time.