Personal dog advice: At this stage, your work, life has gradually stabilized, the main risk from personal accidents and health risks, the Chinese people recommend that you take the accident protection as the main focus, taking into account the application of the old age of the return type of major diseases protection selection of products. Considering that you don't have social security, we recommend you to buy hospitalization medical products to give you more protection for your health. Considering that you have children, we recommend that you give your children an additional protection in terms of health and accidents.
Recommended insurance:
Accidental injury insurance
(1)Zhongmin health insurance card (price: 480 yuan)
Chinese people's health insurance card series-health insurance card (the original Chinese people's health insurance card)
The heavy pressure of life and gradual deterioration of the environment has led to a variety of major illnesses. Does the high hospitalization medical expenses make you feel helpless? Accidents often occur inadvertently, in the face of unshirkable family responsibilities, can you frankly cope with the risk? For only $480 per year, you can enjoy triple coverage for health, accident and medical care. You can also enjoy professional health consultation services 365 days a year. The Health Insurance Card (formerly CMI Health Insurance Card) shares your risks and cares for you!
Insurance conditions
Any individual aged between 18 and 45 years old, with non-high-risk occupations and in good health, is eligible to apply for the insurance. (
Detailed Description of Benefit Amounts for Coverage Items
100,000 RMB for Major Diseases
100,000 RMB for Major Diseases
Hospitalization Allowance of 100 RMB x (actual days - 3 days) Unlimited number of days of benefits
100 RMB per day starting from the fourth day of hospitalization for hospitalization in the event of hospitalization due to sickness or accidental injury. 100 per day from the fourth day of hospitalization
Intensive Care Allowance $200 x (actual days) unlimited number of days If hospitalized in an intensive care unit due to illness or accidental injury, $200 per day according to the actual number of days of hospitalization
Accidental Injury $200,000If disabled or burned due to an accident, $20,000 to $200,000 according to the degree of disability or burned. In the event of death, you will receive $200,000
Accidental Medical Treatment $10,000 ($100 deductible, 100% coverage) If you are hospitalized in an outpatient emergency room or a general ward as a result of an accidental injury, you will receive 100% of the actual medical expenses incurred after deducting $100 for each treatment. Up to 10,000 RMB per policy year
PICC Health Yearly Worry-free Comprehensive Accident Protection Plan (Price: 328)
Coverage period: 1 yearAge: 18-74 years oldOccupational level 1-4Number of insurance policies per person: 1
Product highlights: hospitalization allowance, high accidental medical care, high-end comprehensive accidental protection, comprehensive accidental protection, assistance in claims settlement
Suitable for people: people with high demand for accident medical care, accident-prone elderly people are also applicable
Protection rights and interests
Accidental death, disability and burns 200,000 yuan due to accidents resulting in death, disability and burns, death of a one-time payment of 200,000 yuan of death insurance benefits; disability and burns according to the corresponding scale of payment level of the payment, up to a maximum of 200,000 yuan.
Accidental medical insurance benefit of 50,000 yuan insured person suffered from accidental injury, hospital outpatient emergency or general ward hospitalization for treatment, for each accidental injury within 180 days from the date of occurrence of the reasonable and necessary emergency ambulance fees and in line with the insured location of the basic social medical insurance coverage, reasonable and necessary medical expenses (including bed costs, drug costs. nursing costs, diagnostic and treatment costs, medical expenses, medical expenses, medical expenses, medical expenses), Nursing care costs, diagnosis and treatment costs, treatment costs, inspection and laboratory costs, surgical costs), the insurance company will pay the corresponding accidental medical insurance benefits, the actual medical costs up to 50,000 yuan, zero deductible for each accident, 80% of the benefits.
General Hospitalization Day Amount $100/day If the insured person must be hospitalized due to accidental injury, the insurance company will pay the general hospitalization day amount starting from the fourth day of the insured person's stay in the hospital. Three (3) days are exempted, up to a maximum of thirty (30) days.
Product features
1. Higher amount, accidental injury up to 200,000 yuan, accidental medical up to 50,000 yuan, and more than 100 yuan/day accidental hospitalization allowance subsidy.
2. Older people who are susceptible to accidents can also be insured, up to 74 years old.
2. Refundable health products
(1) Tai Ping An Benefit Critical Illness Protection Plan (Payment term: 15 years Price: 4,200 yuan)
Highlights of the product: return at maturity, policy loans, partially insured against terminal illnesses, assistance with claims, a number of personalized protection, surgical subsidies, and death protection
Suitable for the crowd: protection against major illnesses, disease-free old age
Suitable for the crowd: protection against major illnesses, disease-free old age
Protection rights and interests
Critical illness insurance benefit of 100,000 yuan during the insurance period, if the insured person's first incidence and hospital diagnosis of the first time one or more of the major illnesses defined in the contract, the agreed amount of insurance to pay the critical illness insurance benefit, the contract is terminated.
Life Care Insurance Benefit 100,000 Yuan During the insurance period, if the insured person suffers from the terminal diseases defined in the contract for the first time after the onset of illness and confirmed by the hospital, the Life Care Insurance Benefit will be paid in accordance with the agreed insurance amount, and the contract will be terminated.
Special Disease Benefit 100,000 RMB After the waiting period, if the insured person suffers from a disease for the first time and is diagnosed by the hospital to undergo the first coronary artery interventional surgery as defined in the contract, the Special Disease Benefit will be paid at the rate of 10% of the insured amount, and at the same time, the liability of this insurance shall be terminated, while the other insurance liabilities shall still be effective.
The death benefit of 100,000 RMB will be paid according to the insurance amount stated in the contract if the insured dies due to an accident or dies due to illness after the waiting period, and the contract will be terminated. If the insured dies due to illness during the waiting period, the premiums you have paid will be returned without interest and the contract will be terminated.
Return of premiumsIf the insured person has no claims by the end of the insurance period, the premiums paid will be returned without interest and the contract will be terminated.
Children's life insurance
Taikang eShun Children's Major Disease Protection Plan (price: 220 yuan)
Product highlights: special section for children, renewable every year, pure protection at low prices, assistance with claims
Suitable for people: children and young people under 18 years old
Protection rights and interests
Major disease insurance benefit of 100,000 yuan in the After the waiting period, the insured person is diagnosed by the hospital for the first time with the major diseases defined in the contract (no matter one or more), the major disease insurance benefit will be paid according to the insurance amount of the contract, and the contract will be terminated. If it occurs during the waiting period, the premium paid will be returned without interest and the contract will be terminated.
Product Features
The protection is unique and parents are more assured of the 18 types of major illnesses coverage carefully designed for children and teenagers, covering children's malignant tumors, leukemia (except chronic lymphocytic leukemia), severe Ⅲ-degree burns, major organ transplantation, etc., the protection is practical and works hand in hand with you to **** protect the baby's healthy growth.2. Low premiums, high coverage for only $200 per year. Less than 60 cents a day, you can get 100,000 major diseases protection, parents can also be based on the family's financial situation, free to choose - 400 yuan a year to protect 200,000 higher protection, parents are more worrying. 3, continuous insurance, no waiting period after the expiration of the contract period, continuous insurance, the child, once out of insurance, without having to go through the waiting period of 90 days, you can enjoy the corresponding protection. 4, online insurance, affordable and convenient online insurance, costs lower; online processing, no medical examination, you can enjoy the protection of the baby health growth, and the protection of the baby's health. The company's online application is convenient and easy to use, and there is no need for a medical examination.
Protective life insurance
(1) Taikang Love with Term Life Insurance (20 years) (price: 550 yuan)
Protection rights and benefits
Accidental death benefit 100,000 * 150% of the insurance period of the insured person due to an accident caused by the death of the insured person within the scope of the insurance coverage to give 150% of the agreed insurance amount to be given to the payout.
Non-accidental death benefit 100,000 insurance effective date of one year after the death of the insurance due to non-accidental causes, within the scope of insurance coverage to the contractual amount of insurance benefits; effective date of one year due to non-accidental causes, the return of the premiums paid.
Taikang love with term life insurance (protection 30 years) (price: 670 yuan)
Guarantee rights and interests
Accidental death benefit 100,000 * 150% of the insurance period of the insured person due to an accident caused by the death of the insurance coverage within the scope of the insurance to give 150% of the agreed amount of insurance to pay.
Non-accidental death benefit 100,000 one year from the effective date of the insurance, due to non-accidental causes of death, within the scope of the insurance coverage to the agreed amount of the insurance contract to pay the death benefit; the effective date of one year due to non-accidental causes of death, the return of the premiums paid.
(3) Hopewell Home Care Term Life Insurance (up to age 70) (price: 445)
Benefits
Death of 50,000The insured dies due to an accident or illness, and the insurance company will pay the death benefit according to the basic insurance amount of the main contract at the time of death.
(4) Happiness Auspicious Profit Two Entire (Participating) Protection Plan (Coverage up to 80 years old) (Price: RMB12,315.5)
Protection Rights and Benefits
Survival Benefit of 50,000*8%From the first policy anniversary of the contract coming into effect, if the insured person is alive, he/she can receive 8% of the sum assured every two years up to the previous policy anniversary of the age of 60 years old; after 60 years old, he/she can receive the sum assured every year; after 60 years old, the sum assured will be paid every year at the rate of 8% of the basic insurance amount of this main contract at that time. After the age of 60, 8% of the sum assured will be received every year until the first policy anniversary after the insured reaches the age of 80.
The life insurance benefit of 50,000*200% The insured person survives to the first policy anniversary after reaching the age of 65, 70 or 75, the insurance company will pay the life insurance benefit of 200% of the basic insurance amount respectively.
The premiums paid for the maturity insurance benefit If the insured survives to zero hour of the first insurance policy anniversary after reaching 80 years old, the insurance company will return the premiums paid without interest and the validity of the contract will be terminated.
Death BenefitPremiums paid or cash valueIf the insured dies, the insurance company will return the premiums paid without interest. If the cash value of the main insurance contract is greater than the premiums paid at the time of death, the cash value at that time will be taken as the death benefit and the validity of the contract will be terminated.
Enjoying dividends and receiving dividends every year, the dividends can be used for accumulating interest, receiving cash, offsetting insurance premiums and so on.
5. Education Gold Insurance
6. Property Insurance
Protection Rights and Benefits
House and its indoor appurtenances 2 million yuan due to fire, explosion caused by the house and its indoor appurtenances (such as fixtures of plumbing, heating, sanitation, water supply, piped gas and power supply equipment, kitchen equipment, etc.), the insurance company can compensate for the maximum loss of 2 million yuan. 2 million yuan.
Indoor property coverage of 600,000 yuan due to fire and explosion caused by indoor property coverage loss, the insurance company will pay up to 600,000 yuan: 200,000 yuan for upholstery, 150,000 yuan for furniture and other living utensils, 150,000 yuan for household appliances and cultural and recreational supplies, and 100,000 yuan for clothing and bedding.
Transportation insurance
Kunlun Auspicious Year Comprehensive Accidental Injury Protection Plan (Price: RMB 100)
Product highlights: hospitalization allowance, assistance in claim settlement
Suitable for people: 18-60 years old
Protection rights and benefits
Accidental death and disability of RMB 100,000 Insured person In the event of an accident and within 180 days from the date of occurrence, a lump sum benefit of 100,000 RMB will be paid for death, and a maximum benefit of 100,000 RMB will be paid for disability according to the degree of disability.
Air Accident Injury 400,000 RMB The insured person suffers an accidental injury while traveling on a passenger flight, and within 180 days from the date of the accident, the insured person will receive a maximum benefit of 400,000 RMB if the accident is the direct and sole cause of the insured person's death or disability. (Aviation Accident and General Accidental Injury can be cumulative)
Accidental Medical Treatment 10000RMBThe insured person suffers from an accidental injury during the period of insurance, and the insurance company will pay 100% of the reasonable and necessary medical expenses incurred in excess of 100RMB for treatment in a hospital within 180 days from the date of the accident.
Accidental Hospitalization Allowance of RMB 20/day If the insured person suffers from an accident and must be hospitalized within 180 days from the date of the accident, the insurance company will pay RMB 20 per day according to the number of days of actual hospitalization (the maximum number of days of hospitalization in the same hospitalization is 90; the maximum number of days of hospitalization in one year is 180 in total).
Ambulance Expenses 300 RMB/time The insured person is covered for ambulance expenses incurred within 24 hours from the time of occurrence of the accident during the period of insurance, the insurance company will pay for the actual expenses incurred, but the benefit will not be more than 300 RMB for each accident, and the total amount will not be more than 2,000 RMB for the whole year.
(2) Kunlun Owner's Worry-free Accident Protection Plan (price: 99 yuan)
Protection rights and benefits
Non-operating bus, car accident 100,000 yuan of the insured person to drive or ride in the non-profit-making non-operating bus and car during the period of the accident in the car due to a traffic accident caused by the death of the insured person 100,000 yuan of the death insurance benefit, disability, burns according to the degree of disability, up to 100,000 yuan of benefits. The maximum benefit is 100,000 RMB. (Self-driving car accidents and general accidents can be cumulative benefits)
General Accidental Injury 50000 yuan insured person in the insurance period due to accidental injury caused by the death of 50,000 yuan, disability, burns according to the degree of disability to pay up to 50,000 yuan.
Ambulance Expenses $1000 The insured person suffers accidental injury and incurs reasonable and necessary ambulance expenses within 24 hours from the time of the accident, $300 per accident, with an aggregate benefit not exceeding $1000.
Funeral expenses of 1500 RMB If the insured person dies as a result of an accidental injury, the insurance company will pay the funeral expenses (including the cost of transporting the body, cremation, and purchasing an ordinary urn (based on the medium price of the local funeral treatment); if the funeral is held in the same place, it will be the actual expenses for the grave, the tombstone, and the casket) and repatriation of remains (including the transportation cost of transporting the remains or ashes to the place of residence and the casket) in accordance with the actual expenditures. (including the cost of transportation of the body or ashes back to the insured person's place of residence and the cost of the casket), up to a total of $1,500.
Accidental Medical Treatment RMB20,000 If the insured person is hospitalized as a result of an accidental injury, the insurance company will pay 100% of the reasonable and necessary medical expenses incurred within 180 days from the date of occurrence of the accident in excess of RMB100.
Accidental Hospitalization Allowance RMB20/day If the insured person is hospitalized as a result of an accidental injury, the insurer will pay RMB20 per day starting from the first day of hospitalization for a total of not more than 90 days for the same hospitalization, and for a total of not more than 180 days during the insurance period.
Kunlun Lucky Line Transportation Accidental Injury Protection Plan (Price: RMB 118.5)
Benefits
Airplane Accident RMB 61.5 protects against accidental injuries sustained while traveling on a civil aviation aircraft (from the time of entering the cabin door of the civil aviation aircraft to the time of exiting the cabin door of the civil aviation aircraft)
Railway Train (Train, Metro, Light Rail) RMB 6.2 protects against travel on a train that operates (including Light Rail, Light Rail). The amount covers accidental bodily injury sustained while traveling on an operating train (including light rail and subway).
Operating Ship Accident $6.2 covers accidental bodily injury sustained while traveling on an operating ship (from the time of stepping on deck to the time of leaving the deck).
Motor Vehicle Accident: $15.4 covers accidental bodily injury while traveling in a passenger vehicle or car (from the time of entry to the time of exit).
Private Car Accident $49.2 covers accidental bodily injury while driving or riding in non-operating buses and sedans that are not operated for profit.
Extended reading: insurance how to buy, which is good, hand to teach you to avoid the insurance of these "pits"