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Analysis of Taikang Health 100% Insurance Clause?
1, who can guarantee it?
Insurance age: 30 days after birth -70 years old.
What occupation: 1-6 occupation can be insured, but those who refuse to be insured will not accept it.
2. How to protect it?
How to pay: wholesale for 3, 5, 10, 15, 20 years.
How much is insured: the minimum guarantee is 200,000 yuan, increasing by an integer multiple of 1 10,000 yuan. The more you pay, the more insurance you have.
3. How long will it last?
/kloc-the term of 0/00% health insurance is the life of the insured.
4. What do you promise?
(1), 30 kinds of mild illness (mild illness protection, independent insurance coverage, three payments, each payment of 30% of the basic insurance coverage)
A. Waiting period: within 180 days, minor illness not caused by accidental injury-this contract will continue to be valid, and it will not be responsible for paying insurance benefits; After suffering from minor illness due to accidental injury or being diagnosed by the hospital 180 days-pay 30% of the basic insurance amount of the contract, and the contract will remain valid after payment.
B. Mild symptoms: health 100% There are as many as 30 kinds of mild symptoms. It covers the possible mild risks of 1 1 human nervous system, reproductive system, digestive system, cardiovascular system, exercise system and other systems and organizations.
C. After paying for a minor illness, do you still pay for others? Of course, I also pay for serious illness, death and high disability.
(2) 70 kinds of serious diseases:/kloc-If you suffer from serious diseases within 0/80 days, the paid premium will be refunded and the contract will be terminated; Due to accident or serious illness after 180 days, the contract shall be terminated by compensating 100% of the basic insurance amount immediately after diagnosis.
(3), death/high disability:
1. The insured is under the age of 18 and has paid death/disability insurance.
2. The insured has reached the age of 18, and the death insurance payment is 100% of the basic insurance amount.
(4) Minor illness exemption: after an accident or 180 days, it is diagnosed as a minor illness agreed in the contract by the hospital, and the remaining premium is exempted, and the contract guarantee remains unchanged.
(Special note: After compensation for serious illness, death and high disability, the contract is terminated, and the premium exemption begins, and the payment method cannot be changed. )
5, physical examination rules:
(1), new customers are exempted from medical examination: the insured amount of new customers is 200,000, and medical examination is not required for 0-50 years old.
(2) Old customers are insured for 200,000 yuan, and 0-70 years old do not need physical examination.
(Old customers refer to the insured and the insured who have valid/expired long-term insurance policies for individual insurance channels as of March 365,438+06, 20 1 year, and have no previous experience of refusing insurance, postponing insurance or making claims for serious illness. When the cumulative insurance coverage of this insurance as the insured is 200,000 yuan, )