The plan includes 20 kinds of insurance, with the family as the insured unit. The whole family only needs to fill in an insurance policy to complete the insurance, which greatly simplifies the insurance procedures and facilitates the later management of the insurance policy. An insurance policy can give the whole family a variety of functions, such as living security, pension, serious illness, children's education, medical and accident protection, premium exemption, financial management, etc., so that the family has comprehensive protection and more financial channels.
Compared with previous products, this scheme has the following advantages:
One person buys the main insurance, and the whole family chooses insurance at will. As long as one person in the family buys long-term main insurance, other family members can directly choose additional insurance such as accidents and medical treatment that suits them, which breaks through the previous restriction that they can't buy additional insurance separately, greatly reducing the premium burden and saving 10-20% on average for family insurance.
Five major plans, choose at will. This product includes five family insurance plans: health, pension, education, happiness and self-selection, covering functions such as death protection, pension, serious illness, children's education, medical and accident protection, premium exemption and financial management. Customers can choose suitable insurance items according to their family structure, family economic situation and security needs, and match them flexibly to get the maximum security benefits with the least money.
Multiple insurance exemptions in the policy. If the breadwinner of the family dies, is seriously ill or is disabled due to any accident, the long-term insurance premium of the members in the "Love Home Agreement (Happy Edition)" can be exempted, and the insurance benefits will continue to be effective, thus solving the worries of the insured.
Add exclusive products. The exclusive additional insurance "Taikang Plus Ruyibao Hospitalization Expense Medical Insurance" is added to the plan, and the "Taikang Love Home Winner whole life insurance (Universal Type)" is specially designed, so that customers can have universal accounts and manage their finances easily with low deduction.
Policy upgrade. With the change of family economic situation and family structure, insurance demand will also change. It is difficult for traditional life insurance to meet the promotion and optimization of this guarantee demand. The agreement of loving home can be continuously upgraded on a policy through perfect service, and the insured, insurance types and insurance coverage can be increased without adding new policies, which is convenient for family insurance planning and management.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.