Hello: I am Li Xuejun from Ping An... I'll send you a copy of the two... Which one is better...?
Kissing baby two whole insurance (participating) <
2012-02-1723:04 |201 views
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Customer information: Pan Xiaobao, 0 years old, baby, the average monthly income of 0 yuan
Annual premium: 9,728 yuan
Protection benefit description:
1, the insured person reached the age of 0 years, the baby, the average monthly income of 0 yuan
The insured person is the first person to have the right to pay for the insurance, and then to receive the insurance. >1. When the insured reaches the age of 15, 16 and 17, the company will pay a high school education benefit of RMB 5,000 per year respectively, totaling RMB 15,000.
2. When the insured person reaches the age of 18, 19, 20 and 21, the company will pay college education benefit of 12,500 yuan each year, totaling 50,000 yuan
3. When the insured person reaches the age of 25, the company will pay marriage benefit of 20,000 yuan.
4. When the insured reaches the age of 30, the company pays 30,000 yuan for home ownership.
5. Starting from the insured person's 60th birthday, the company pays $4,500 in the first year, and from the second year (61st birthday) onwards, the company will increase $500 per year on top of the previous year as a supplemental pension until the age of 80, totaling $199,500.
6. Death/Total Disability Benefit: 1.1 times the total premiums paid for the adult age of 0-18 years old; 5 times the basic sum assured (RMB 250,000) for the age of 19-30 years old; 7 times the basic sum assured (RMB 350,000) for the age of 30-60 years old.
Accidental Medical Benefits:
If the insured person incurs necessary and reasonable actual medical and treatment expenses as a result of an accident, the insured person will be reimbursed according to the agreed benefit percentage based on the actual expenses, up to a maximum of 5,000 RMB for the same accident.
Hospitalization allowance:
Hospitalization allowance of RMB 40 per day, with a maximum of 90 days for the same hospitalization; up to a maximum of RMB 7,200 per year (180 days).
Hospitalization Compensatory Medical Care:
Bed, meal, consultation and nursing fees, maximum number of days paid for the same hospitalization is 90; maximum of RMB 7,200 (180 days) per year.
Surgical expenses, limited to RMB 1,600 per visit (including surgical fee, anesthesia fee, surgical materials used in surgery and operating room equipment usage fee).
Medical expenses, up to RMB 3600/times (including medication, treatment: in addition to general treatment, it also includes oxygen, supervision, shockwave, intervention, dialysis, blood transfusion: including blood or plasma transfusion, blood or plasma products, and auxiliary examination: including laboratory tests, examination (checkups), and film taking).
At the same time, out-of-pocket medicines and imported medicines not covered by medical insurance will be paid at 80% or 90% of the insured amount after deducting the amount paid by other insurance plans, which demonstrates the human nature of care.
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Children's Wisdom Star
Insured age 0 years old, boys, save 15 years, 7,000 yuan per year, 583 yuan per month
(minimum 4,000 from the policy) education fund reserves, flexible to receive
A, protection
1, after the policy came into effect, life-long life protection 100,000, (18 years old can be raised to 500,000)
2, after 90 days, lifetime has a major disease 80,000, (18 years old can be upgraded to 400,000)
,3 worry-free accident medical, no matter the cat's claw dog bites, the costs incurred, (100-20,000) between the $ 100 deductible after the amount of 100 dollars, the amount of 100 percent of the report, until the age of 65 years old.
Two, education gold
15 years old -17 years old, 6,000 yuan per year (three years)
18 years old -21 years old, 15,000 yuan per year (four years)
30 years old account there are 10.8 can be done for the wedding gold, if not to take the future of the pension can be done,
60 years old 350,000, 80 years old 640,000, 90 years old 810,000, the future of the pension can be done,
60 years old 350,000, 80 years old 640,000, the future of the pension can be done. 90 years old 810,000
There is also a way: 28 years old wedding gold 50000, 60 years old pension, 1500 per month, you can lead a lifetime, a hundred years later, you can also leave the next generation 100,000 love to pass on the inheritance of gold
Three, exemption
Insurance exemption from the premiums without worry
A policy can be that the insurance children's risk, and protection of the adult premiums
First of all, the policyholder in the payment period, the occurrence of three kinds of risk child premiums do not have to pay, the child's protection and benefits remain unchanged, the first in the policyholder's death, the second, the policyholder's major illnesses, and the third, the third level of disability. There are also in the payment period of the child if a serious illness company first accompanied 80,000, the remaining premiums do not have to pay again.
Expanded reading: insurance how to buy, which is good, hand to hand to teach you to avoid these insurance "pit"