So what is its guarantee content? Senior sister will take you to find out.
Friends who don't know much about Peking University Founder Life Insurance can take a look at this article first:
How about Peking University Founder Life Insurance? Is it reliable? Tell you in one article! 》
1. What are the highlights of Peking University Founder Health Insurance?
To understand an insurance, the product protection chart is essential:
The product protection diagram clearly shows us the basic content of this product, and then, Sister Xue chooses several key points to give you a general explanation.
1. The payment ratio is set reasonably.
According to the protection chart, we can know that in the calculation of death insurance and total disability insurance, the proportion of compensation for this product at different ages is different.
If the insured dies or is totally disabled when he is over 18 years old and under 4/kloc-0 years old, the insurance company will pay the greater of the total premium paid and 160% of the cash value. If you are in other age groups, the payment ratio is different.
Through observation, we can see that this setting has a purpose. If the insured is an adult, the older he is, the smaller the corresponding compensation ratio, which shows that this product gives special care to the unfortunate situation when he is young. This is quite outstanding.
2. Including accidental death insurance.
The meaning of "endowment assurance" is "both life and death" insurance. In the current market, there are some "double insurance" policies, which mainly include "lifelong" life survival insurance and "death or total disability insurance".
This health insurance of Peking University Founder Life Insurance not only has these two guarantees, but also has an accidental death insurance. What can this do? Senior, let me give you an example to explain.
If the insured is still in the guarantee period and dies in a traffic accident, the insurance company will not only compensate the original death insurance money, but also pay the accidental death insurance money with the basic insurance amount in the contract.
Simple analysis, at this time, at the same time, the insurance money can get two corresponding insurance money by the way. This can be called extra compensation and economic security for families whose relatives died in unfortunate accidents.
If you want to know more about the small partners of Peking University Founder Health Insurance, please take a look at this article:
Want to start with Peking University Founder Health Insurance and Old-age Security? Be sure to read this evaluation before you start! 》
Second, is Peking University Founder Health Insurance worth starting with?
Since this health insurance has the above two advantages, does it mean that it is worth insuring? You can't tell! Next, senior sister will analyze the exemption clause of this product to see if everyone can accept it.
The exemption clause actually means that if the situation mentioned in the clause occurs, the insurance company will not pay a penny! Therefore, for our consumers, there is no doubt that the less exemption clauses, the more benefits.
However, what we should pay attention to is that there are many exemption clauses for this product. There are 7 exemption clauses for death or total disability insurance, and as many as 13 for accidental death insurance.
There is a detailed exemption clause in the accidental death insurance: the insured participates in high-risk sports such as diving, skydiving, rock climbing, bungee jumping, gliding or paragliding, adventure, wrestling, martial arts competitions, stunts, horse racing and car racing.
Simple analysis, if the insured participated in any of the above high-risk sports and died unfortunately, then the insurance company will not pay for accidental death insurance!
Therefore, if you like these high-risk sports, then you should carefully decide whether to take out insurance.
In fact, you don't have to stick to this one. There are many excellent old-age security in the market. You might as well refer to this list compiled by your senior sister:
"Old-age security dividend ranking" is freshly released! Is there anything you like? 》
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