Taikang Auspicious Comprehensive Health Plan Hospitalization Allowance Quadruple Disease Protection Return Hospitalization Photo Dividend Products are for reference only, please refer to the relevant terms of the insurance company! Industry: Taikang life insurance category: critical illness insurance age: 0-50 payment period: term insurance period: children 16 years; Adults can choose to save money and send it to the hospital at the age of 65 or 88, and then repay the principal when the dividend is due.
-Product introduction of Taikang Auspicious Comprehensive Protection Plan
First, product features:
Low premium and high security; Usually saving money, the income is higher than that of banks; There is no conflict between hospitalization subsidy and social security, and claims can be renewed without invoices; Serious illness can be paid four times repeatedly, and the principal and interest will be returned at maturity. Medical subsidy+serious illness subsidy insurance will definitely not lose money.
Second, the product advantages:
1, Taikang auspicious children's edition
age
0 years old
1 year
2 years old
3- 17 years old
Annual premium payment
7800
6400 yuan
5600 yuan
5300 yuan
time of payment
Only eight years.
Insurance period
16 years
insured liability
1, personal medical hospitalization allowance: maximum 1000 days × 100 yuan/day = 100000 yuan.
2. Maturity survival fund:/kloc-principal paid after 0/6 years+accumulated dividends (regardless of medical claims or not).
3, 65438+ million critical illness insurance (17), up to 4 times (* * * 400,000)
4 during the payment period, in case of serious illness, the nursing fee equivalent to the premium will be given after the claim is settled.
2. Taikang Auspicious Adult Edition
age
18-24 years old
25-29 years old
30-34 years old
35-39 years old
40-44 years old
45-50 years old
Annual premium payment
By the age of 88
5530 yuan
7400 yuan
9370 yuan
12840 yuan
19 150 yuan
33,200 yuan
She is 65 years old.
2800 yuan
Four thousand yuan
5400 yuan
7900 yuan
13400 yuan
27,900 yuan
time of payment
Pay to the age of 60
insured liability
1, personal medical hospitalization allowance: maximum 1000 days × 100 yuan/day = 100000 yuan.
2. Maturity survival fund: principal paid at the age of 65/88+accumulated dividends (regardless of whether medical treatment claims).
3, 65438+ million critical illness insurance (32 categories), up to 4 times (* * * 400,000)
4 during the payment period, in case of serious illness, the nursing fee equivalent to the premium will be given after the claim is settled.
Case study:
Mr. Kang, aged 36, participated in Taikang Auspicious Comprehensive Insurance Plan, and paid 7900 yuan every year until he was 60 years old, which guaranteed him to be 65 years old. /kloc-seriously ill after 0/year, cured and discharged. At the age of 65, Mr. Kang enjoys the following benefits:
1, hospitalization allowance: 100 yuan/day × 1000 days = 654.38+ten thousand yuan;
2. Compensation for serious illness: 6,543.8+10,000 yuan/time ×4 times = 400,000 yuan;
3. Nursing expenses for serious illness: 7900 yuan/year× 22 years = 173800 yuan;
4. Survival allowance: 7,900 yuan/year ×24 years =189,600 yuan.
5. Dividend amount: cumulative dividend 12577 1 yuan;
To sum up, the premium paid by Mr. Kang * * * is 7900 yuan/year× 2 years = 15800 yuan.
The benefits obtained by Mr. Kang: 654.38+10,000 yuan+400,000 yuan+173,800 yuan+189,600 yuan+/257,765,438 yuan +0 yuan =165,438 yuan.