The recommended insurances are:
Accident Injury Insurance
(1) China medical insurance card (price: 480 yuan)
China Health Insurance Card Series-Health Insurance Card (formerly China Health Insurance Card)
The heavy pressure of life and the deteriorating environment make the incidence of various major diseases rise continuously. Does the high hospitalization fee make you feel helpless? Accidents often happen inadvertently. In the face of unshirkable family responsibilities, can you calmly cope with risks? As long as you are in 480 yuan every year, you can enjoy triple insurance of health, accident and medical treatment. There are also professional health consultation services 365 days a year. Medical Insurance Card (formerly China Medical Insurance Card) will share risks and care for you!
Insurance conditions
18 to 45 years old, non-high-risk occupations and healthy people can be insured. (
A detailed description of the payment amount of the guarantee project
Major diseases 6.5438+10,000 yuan If one or more of the listed major diseases 3.65438+0 occur, you can get 6.5438+10,000 yuan in one lump sum after confirmation.
Hospitalization allowance 100 yuan × (actual days -3 days). If you are hospitalized due to illness or accidental injury, you can get 100 yuan every day from the fourth day of hospitalization.
Intensive care allowance 200 yuan × (actual days) Unlimited payment days If you are admitted to the intensive care unit due to illness or accidental injury, you can receive 200 yuan every day according to the actual hospitalization days.
Accidental injury: 200,000. If you are disabled or burned due to an accident, you can get 20 thousand to 200 thousand yuan according to the degree of disability or burn; If you die unfortunately, you can get 200 thousand yuan
Accidental medical treatment 10000 yuan (100 yuan free of compensation, 100 yuan compensation). For those who are hospitalized in the emergency department or general ward of the hospital due to accidental injuries, after deducting the actual medical expenses 100 yuan, they will pay 100%. Each policy year can reach a maximum of 6,543,800 yuan.
Comprehensive accident protection plan of China People's Insurance Company (price: 328)
The guarantee period is 1 year, the age is 18-74 years old, and the occupation level is 1-4. Everyone can take out insurance 1 copy.
Product highlights: hospitalization allowance, high accident medical treatment, high-end comprehensive accident protection, comprehensive accident protection, and assistance in claims settlement.
Suitable for people: it is also suitable for people with high demand for accidental medical care and the elderly who are prone to accidents.
safeguard rights and interests
Accidental death, disability and burn: 200,000 yuan; In case of death, disability and burns caused by accidents, the death insurance premium of 200,000 yuan shall be paid in one lump sum; Disability burns are paid according to the corresponding compensation ratio, and the upper limit is 200,000 yuan.
The accident medical insurance premium is 50,000 yuan. The insured is hospitalized in the emergency department or general ward of the hospital due to accidental injury. For the reasonable and necessary first-aid expenses incurred within 180 days from the date of each accidental injury accident and the reasonable and necessary medical expenses (including bed expenses, medicine expenses, nursing expenses, medical treatment expenses, laboratory examination expenses and operation expenses) that meet the payment scope of the social basic medical insurance in the insured area, the insurance company will pay the corresponding accidental medical insurance premium, with the actual medical expenses up to 50,000 yuan and zero compensation for each accident, 80.
Average hospitalization expenses 100 yuan/day. The insured must be hospitalized for accidental injury. The insurance company will pay the average hospitalization amount from the fourth day of each hospitalization. Free for 3 days, up to 30 days.
Product characteristics
1, the amount is high, the accidental injury is as high as 200,000 yuan, the accidental medical treatment is as high as 50,000 yuan, and the accidental hospitalization allowance is 100 yuan/day.
2. Older people who are prone to accidental injuries can also be insured until they are 74 years old.
2. Returned health products
(1) taipingyi major disease protection plan (payment period: 15 price: 4,200 yuan)
Product highlights: due return, policy loan, terminally ill insurance, assistance in claims settlement, multiple personality protection, operation subsidy, and death protection.
Suitable for people: preventing serious diseases and providing for the aged without diseases.
safeguard rights and interests
During the insurance period of 654.38+ 10,000 yuan of critical illness insurance money, the insured suffers from one or more major diseases agreed in the contract for the first time, and after being diagnosed by the hospital, the contract is terminated by paying the critical illness insurance money according to the agreed insurance amount.
Life insurance premium is 654.38+ten thousand yuan. During the insurance period, the insured suffers from the terminal illness stipulated in the contract for the first time, and is diagnosed by the hospital, and the life-long care insurance money is paid according to the insurance amount, and the contract is terminated.
Special disease allowance is 654.38+10,000 yuan. After the waiting period is over, the insured suffers from the first-time disease, receives the coronary intervention treatment agreed in the contract for the first time after being diagnosed by the hospital, and pays the special disease allowance according to the insured amount of 10%. At the same time, this insurance liability is terminated and other insurance liabilities are still valid.
The death insurance premium is 654.38+ten thousand yuan. The insured pays the death insurance money according to the insurance amount agreed in the contract, and the contract is terminated. During the waiting period, if the insured dies of illness, the insurance premium you have paid will be returned without interest and the contract will be terminated.
Refund of premium During the insurance period, if the insured fails to make a claim before the expiration of the contract, the premium paid will be refunded without interest and the contract will be terminated.
Child life insurance
Taikang E Shun Children's Major Disease Protection Plan (Price: 220 yuan)
Highlights of the product: Children's Fund, annual renewal, pure low price guarantee, and assistance in claims settlement.
Suitable for people:1children under 8 years old.
safeguard rights and interests
The critical illness insurance premium is 65,438+10,000 yuan. After the waiting period is over, the insured is diagnosed by the hospital for the first time with a major disease (no matter one or more) agreed in the contract, and the contract is terminated by paying the critical illness insurance money according to the insurance amount agreed in the contract. If it happens during the waiting period, the premium paid will be returned without interest and the contract will be terminated.
Product characteristics
Unique protection, parents feel more at ease 18 kinds of major diseases specially designed for children, covering children's malignant tumors, leukemia (except chronic lymphocytic leukemia), severe third-degree burns, major organ transplantation, etc. , practical and practical, together with you to protect the healthy growth of the baby. 2. Low premium and high security: You only need 200 yuan every year, and you can get 6,543,800+million of major illness security for less than 60 cents a day. Parents can also choose freely according to the family's economic situation-400 yuan a year is more secure, and parents are more worry-free. 3, continuous insurance, no waiting period after the expiration of the contract, continuous insurance, once the child is out of danger, you can enjoy the corresponding protection without waiting for 90 days. 4, online insurance, affordable and convenient online insurance, lower cost; Online processing, no physical examination, convenient and fast.
Guaranteed life insurance
(1) Taikang Aijia term life insurance (guaranteed for 20 years) (price: 550 yuan)
safeguard rights and interests
Accidental death insurance premium100000 * 150%. During the insurance period, if the insured dies unexpectedly, he shall pay 150% of the agreed insurance premium within the scope of insurance liability.
100,000 yuan. If the non-accidental death insurance comes into effect one year later, if the death is caused by non-accidental reasons, the death insurance premium shall be paid according to the insurance amount agreed in the contract within the insurance scope; If he dies within one year from the effective date due to non-accidental reasons, the premium paid will be refunded.
Taikang Aijia Term Life Insurance (guaranteed for 30 years) (price: 670 yuan)
safeguard rights and interests
Accidental death insurance premium100000 * 150%. During the insurance period, if the insured dies due to an accident, the agreed insurance premium of 150% shall be paid within the scope of insurance liability.
100,000 yuan. If the non-accidental death insurance comes into effect one year later, if the death is caused by non-accidental reasons, the death insurance premium shall be paid according to the insurance amount agreed in the contract within the insurance scope; If he dies within one year from the effective date due to non-accidental reasons, the premium paid will be refunded.
(3) United Family Carefree Term Life Insurance (guaranteed to 70 years old) (price: 445)
safeguard rights and interests
50,000 insured persons died due to accident or illness, and the insurance company paid the death insurance money according to the basic insurance amount of the main contract at the time of death.
(4) Happiness, auspiciousness and mutual benefit (dividend-sharing type) guarantee plan (guaranteed until the age of 80) (price: 123 15.5 yuan)
safeguard rights and interests
50,000 * 8% of the survival insurance premium is calculated from the anniversary date of the first policy after the contract comes into effect. If the insured is born, he can receive 8% of the insurance premium every two years until the anniversary date of the last policy at the age of 60; After reaching the age of 60, you can receive 8% of the insured amount every year until the first anniversary of the policy after reaching the age of 80.
The birthday insurance premium is 50000 * 200%. When the policy of the insured reaches the first anniversary after the age of 65, 70 and 75, the insurance company will pay 200% of the basic insurance amount respectively.
If the insured survives to 0: 00 on the anniversary of the first policy after reaching the age of 80, the insurance company will return the premium paid without interest and the contract will be terminated.
Paid death insurance premium or cash value If the insured dies, the insurance company will return the paid insurance premium without interest; If the cash value of the main insurance contract at the time of death is greater than the paid insurance premium, the cash value at that time will be used as the death insurance premium and the contract will be terminated.
Enjoy dividends every year and receive them flexibly. Dividends can be used to accumulate interest, collect cash and pay insurance premiums.
5. Education fund insurance
6. Property insurance
safeguard rights and interests
2 million houses and interior fittings. Loss of houses and their indoor accessories (such as pipelines, gas heating, sanitation, water supply, pipeline gas and power supply equipment, kitchen equipment, etc.) caused by fire and explosion. ) The maximum compensation can be 2 million yuan from the insurance company.
Indoor property protection is 600,000. Due to the loss of indoor property protection caused by fire and explosion, the insurance company paid a maximum of 600,000 yuan, including 200,000 yuan for interior decoration, 0/50,000 yuan for household appliances such as furniture, 0/50,000 yuan for household appliances and cultural and entertainment articles, and 0/50,000 yuan for clothes and beds.
Traffic insurance
Kunlun auspicious year comprehensive accident protection plan (price: 100 yuan)
Product highlights: hospitalization allowance, assistance in claims settlement
Suitable crowd: 18-60 years old
safeguard rights and interests
Accidental death and disability: RMB 654.38+10,000. In case of accidental injury accident, the insured shall pay RMB 6,543,800+in one lump sum within 654.38+080 days from the date of the accident. Disabled, according to the degree of disability, the highest is 654.38+10,000 yuan.
Aviation Accidental Injury 400,000 yuan If the insured suffers accidental injury during the flight of passengers, and within 180 days from the date of the accident, the maximum compensation can be 400,000 yuan. (Aviation accidents and general accidental injuries can be paid cumulatively)
Accidental medical treatment 10000 yuan The insurance company shall pay 100% of the reasonable and necessary medical expenses incurred by the insured during the insurance period and treated by the hospital within 180 days from the date of the accident.
Accidental hospitalization allowance 20 yuan/day The insured must be hospitalized within 180 days after the accident, and the insurance company will pay 20 yuan every day according to the actual hospitalization days (the longest hospitalization days at the same time is 90 days; Repeated hospitalization within one year, with a cumulative maximum of 180 days).
300 yuan/For the ambulance expenses incurred by the insured during the insurance period and within 24 hours from the date of the accident, the insurance company actually pays the insurance premium, but the compensation for each accident does not exceed 300 yuan, and the annual total amount does not exceed 2,000 yuan.
(2) Kunlun Car Owners' Worry-free Accident Protection Plan (Price: 99 yuan)
safeguard rights and interests
The accident of non-operating buses and cars was 654.38+10,000 yuan. If the insured dies in the carriage due to a traffic accident while driving or riding a non-operating bus or car that is not for profit, the death insurance premium will be 65,438+million yuan, and the disability and burn will be paid according to the degree of disability, with a maximum of 65,438+million yuan. (Self-driving accidents and general accidents can be paid cumulatively)
The average accidental injury is 50,000 yuan. During the insurance period, the insured pays 50,000 yuan for death insurance due to accidental injury and 50,000 yuan for disability and burn insurance according to the degree of disability.
Ambulance fee 1 0,000 yuan. For the reasonable and necessary ambulance expenses incurred by the insured within 24 hours from the time of the accident, the accumulated compensation for each accident in 300 yuan shall not exceed 65,438+0,000 yuan.
Funeral expenses: 65438 yuan +0500 yuan. If the insured dies due to accidental injury, the insurance company will pay the funeral expenses according to the actual expenses (including corpse transportation expenses, cremation expenses and ordinary urn purchase expenses (subject to the medium price of local funeral treatment)); In case of on-site burial, it is the actual cost of graves, tombstones and coffins) and the transportation fee for the remains (including the transportation fee for transporting the remains or ashes back to the insured's residence and the coffin fee), and the total amount shall not exceed 1.500 yuan.
20,000 yuan for accidental medical treatment If the insured is hospitalized due to accidental injury, the insurance company shall pay 100% of the reasonable and necessary medical expenses actually paid within 180 days from the date of the accident.
Accidental hospitalization allowance 20 yuan/day. If you are hospitalized due to accidental injury, you will be paid 20 yuan per day from the first day of hospitalization. The total hospitalization time will not exceed 90 days, and the total insurance period will not exceed 180 days.
Kunlun Lucky Travel Vehicle Accident Protection Plan (Price: 1 18.5 yuan)
safeguard rights and interests
Aircraft accident 665438+ 0.5 yuan's accidental injury during the flight (from entering the cabin door of civil aviation flight to leaving the cabin door of civil aviation flight).
Rail Trains (Trains, Subway, Light Rail) 6.2 yuan guarantees the accidental injuries suffered by trains (including light rail and subway) during operation.
Accidents of operating ships 6.2 yuan guarantees the accidental injuries suffered during the period of riding an operating ship (from the time of stepping on the deck to the time of leaving the deck).
Operating car accident 15.4 yuan, to protect the accidental injuries suffered during the ride of operating buses and cars (from getting on to getting off).
Accidental injury of private car is 49.2 yuan to protect the accidental injury suffered in the process of driving or riding non-business buses and non-profit-making cars.