2. Young and middle-aged people who pay attention to long-term health and short-term main family economic responsibilities (combined with term life insurance purchase);
3. Other people with special needs, such as paying attention to health, are afraid to buy people responsible for death (for fear of moral hazard such as beneficiaries).
Welcome to understand the consultation and purchase!
There are many kinds of critical illness insurance, and the first choice only meets your actual needs, with high cost performance and good claims service.
Common critical illness insurance Forms and Precautions:
1, according to the guarantee period: fixed term and life;
2. Impact on other types of insurance after payment: pay in advance (after payment, the amount of death will be reduced accordingly) and pay extra (the death liability will not be affected);
3. Payment times: once, twice, three times, four times, etc.
4. Exemption: late payment fee is exempted for minor illness and late payment fee for serious illness;
5. Observation period: whether life insurance and critical illness insurance are the same, and some life insurance (death) has no observation period;
6. Comparison of extra compensation for individual diseases, duration of protection and scope of diseases (this article is tricky, so special attention must be paid).
wait for ......
Examples of featured products: After paying 20% of the insured amount for minor illness, the later premium will be exempted, and the insured amount for serious illness will not be affected. Take the insured amount of 654.38 million as an example (there are many kinds in critical illness insurance, such as multiple payments for major diseases and multiple payments for minor diseases to meet your individual needs).
High security, lifelong enjoyment of mild illness, exemption from inspection, obvious care, and a wide range of serious diseases, and expert outpatient hospitalization as a whole.
Male 20-year payment: 0-year-old 880 yuan, 30-year-old 2220 yuan, 40-year-old 3 150 yuan, 50-year-old 4600 yuan, 60-year-old five years 15320 yuan.
Female 20-year payment: 0 years old 780 yuan, 30 years old 1950 yuan, 40 years old 27 10 yuan, 50 years old 3,730 yuan, 60 years old 5 years13,370 yuan.
Exemption from physical examination: 500,000 minors, 600,000 under 40 years old and 654.38+0.5 million at 55 years old.
Beijing Deduction Bank: China Bank, Agricultural Bank, Industrial and Commercial Bank, China Construction Bank, China Merchants Bank, Bank of Communications, Postal Service and CITIC;
National debit banks: ICBC, China Construction Bank, China Merchants Bank, Bank of Communications and Postal Service.
Clearly understand the risks.
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For more information, you can search online for "Insurance Meeting Room in Lv Bo" or follow Sina Blog, QQ, WeChat, etc. You are also welcome to inquire.