"Good health and good luck increased critical illness insurance (20 14)" covers 45 critical illnesses and is guaranteed for life. Taking the insured amount of 654.38+10,000 yuan as an example,
(1) Suffering from serious illness: 1. 1 times of the premium paid within one year; Pay the basic insurance amount 10 yuan ×( 1+3%× policy year) after one year, that is, on the basis of100000 yuan, increase by 3,000 yuan every year.
(2) Death: within one year,
(1)/kloc-before the age of 0/8, pay the actually paid insurance premium;
② After18 years old, pay 1. 1 times of the actually paid insurance premium. By chance or a year later,
(1)/kloc-before the age of 0/8, the actual premium paid is the greater of the cash value corresponding to the basic insurance amount;
(2) After reaching the age of 18, the basic guarantee amount is 654.38+10,000 yuan ×( 1+3%× the whole year of the policy), that is, on the basis of 654.38+10,000 yuan, it will increase by 3,000 yuan every year.
(3) The insured is exempt from paying insurance premium for accidental death or accidental bodily injury.
(4) At the age of 66, you can have the right to change your pension.
Payment method: one-time payment, 10 year payment, 20 years payment and 30 years payment.
Insurance period: life.
Insurance age:
Lump sum: over 30 days -60 years old
10 year payment: over 30 days -50 years old.
20-year payment: more than 30 days -45 years old
30-year payment: more than 30 days -40 years old
Xinhua Life Insurance Health Fuxing increased the critical illness insurance;
Within one year after the contract comes into effect, 65,438+00% of the basic insurance amount+the premium paid one year after the contract comes into effect, and the basic insurance amount × (65,438+0+3% of the insurance policy has passed the whole year) the insurance premium for illness death (due to diseases beyond the scope of the contract):
Within one year after the contract comes into effect, the basic insurance amount × (after the contract comes into effect 1+ 1%) accidental death insurance: the basic insurance amount × (after the whole year of the policy 1+ 1%).
Brief description of insurance liability: 365,438+033 3-The critical illness protection increases rapidly by 3% every year 65,438+0-The death protection increases steadily by 65,438+0% every year 33-Comprehensive protection for 33 major diseases.