What are the health benefits of insurance companies?

The health benefits sent by general insurance companies are in long-term insurance contracts. If the insured lives healthily at the agreed age and has no serious illness as agreed in the contract, the insurance company will pay a health payment as agreed in the contract. Some companies call it survival money or birthday money, and different companies have different names.

Main characteristics of survival currency

1. Survival payment is based on the insured's survival for a certain period of time. If the insured dies within the insurance period, there will be no compensation and the insurance premium will not be refunded. Therefore, the insurance premium paid by the insurance company to the survivors on the due date includes not only the insurance premium and interest paid by them, but also the insurance premium and interest paid by the deceased before the due date.

2. The main purpose of the survival fund is to meet the specific needs of the insured after a certain period of time, such as children's education fund, marriage fund or the insured's pension fund with strong savings.

Application method of survival fund

Survival money refers to the amount paid by the insurance company to the policy beneficiary in the amount, manner and time limit agreed in the contract after the date agreed in the insurance contract.

There are three ways for insurance companies to get survival money for their customers.

1. Bank automatic transfer collection: materials to be prepared: ① application for change of insurance contract (change of customer's rights and interests); (2) the original identity certificate of the living beneficiary; (3) a copy of the bank card (handwritten account name) or passbook opened in the name of the living beneficiary; ④ Original survival certificate of the insured.

Second, take it from the insurance company. Materials to be prepared: ① application for change of insurance contract (change of customer's rights and interests); (2) the identity certificate of the surviving beneficiary; ③ Original survival certificate of the insured.

Third, entrust others to collect it from insurance companies. Materials to be prepared: ① application for change of insurance contract (change of customer's rights and interests); 2 power of attorney; (3) the identity certificate of the surviving beneficiary; (4) a copy of the passbook of each bank settlement account with the names of the surviving beneficiaries; (5) the identity certificate of the agent.

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