1, "Gradually Kanghuarui life critical illness insurance"
Light: 5+ 10 specific diseases (light and severe diseases), and extra payment in advance; Weight: 45 major diseases, paid in full and quickly;
Slow: Long-term care should be paid regularly first to ease the pressure of expenses; Urgent: care for those who are in urgent need at the end of the period, and pay in full in advance;
Respect: lifelong protection of death and disability, showing dignity; Exemption: double premium exemption, reflecting humanistic care;
2. If you buy regular cancer insurance (consumer type), the insured amount is 65,438+0,000 yuan.
The insurance premium for cancer diagnosis is five times the basic insurance premium paid at the first visit, 1 times 50,000.
The premium of cancer hospitalization allowance is 1%× days × the basic insurance amount shall not exceed 180 days per year, and the cumulative maximum shall not exceed 1.8 million/year.
Cancer surgery insurance premium 1× basic insurance premium twice a year, and the cumulative number is not limited to 20,000.
The insurance premium for cancer radiotherapy and chemotherapy is 2× basic coverage 1 time for one year, and the accumulated premium shall not exceed1time for 20000.
The insurance premium for liver transplantation or hematopoietic stem cell transplantation is 10× basic insurance amount, and the cumulative insurance period is no more than 2 times, 65,438+10,000.
The greater of the insurance premium actually paid and the cash value at the end of the policy year in which the death occurred.
After being diagnosed with cancer for the first time during the premium exemption period, you will be exempted from renewal of insurance and continue to enjoy insurance benefits.
3. critical illness insurance plan for health and welfare (major diseases of health and welfare+welfare old-age security): each premium 500 yuan (binding of main insurance and supplementary insurance) covers 32 major diseases until the age of 70. Critical illness insurance premium: (1) within one year, pay 550 yuan x copies; (2) After one year, pay the insurance amount. Death or total disability insurance: (1) Pay 550 yuan x shares within one year; (2) Pay the insurance amount after one year. Maturity insurance premium: the insured survives until the policy reaches the age of 70, and pays [500 yuan× number of copies× payment period], that is, the insurance premium is returned and the insurance contract is terminated. Premium Exemption: If the insured dies or is totally disabled due to accidental injury and the age is between 18-60, the renewal premium will be exempted and the insurance contract will continue to be valid.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.