Insured: 0 years old, girl, non-smoker
Insured amount: 100w
Payment period: 20 years
Annual premium: 14,690 yuan
Protection period: 100 years
NO.1 The first 10 years gift insurance
The first 10 years gift insurance 50%, that is, the first 10 years insurance 150w, the child is weak in physical resistance and is prone to illness. The first 10 years gift insurance 50% is enough to reflect the care and attention of young people and children, because they are the parents' hearts and hearts, the hope of the family, and the future of the motherland!
NO.2 The first serious illness compensation and insurance amount increase
≤10 years old, compensation of 150w
＞10 years old, compensation is not just the basic insurance amount of 100w! Because from the fifth insurance policy year, there will be additional dividends to deal with the impact of inflation on the basic insurance, so you will not look at this critical illness insurance many years later and feel that the insurance amount is not enough, and then you may not be able to buy another critical illness insurance or the fee rate will be greatly increased.
20 years old pays 113.5w, 30 years old pays 136.9w, 40 years old pays 184.3w, 50 years old pays 279.7w, 60 years old pays 467.9w, 70 years old pays 835w, 80 years old pays 1553.4w, 90 years old pays 2950.7w, 100 years old pays 5847.8w!
NO.3 Multiple compensation for serious diseases
To put it simply, if the first serious disease has been paid, but unfortunately suffers from serious diseases again in the later stage, there will be multiple compensation for the listed items on the way - cancer, heart attack and stroke , severe cognitive impairment - there will be multiple compensation!
Cancer: You can pay 5 multiple times (whether it is new or recurrence), 10000 yuan each time, and this part of the protection is very, very important! ! ! As we all know, cancer is prone to recurrence and metastasis. If you have a critical illness insurance but do not have multiple compensations for cancer - it can only be said that you have not bought enough protection. Life is priceless, but insurance sets the price for life!
Heart attack and stroke: You can pay twice multiple times, each time of 10000 yuan. Cardiac and cerebrovascular diseases are also prone to recurrence, which provides good compensation for work and life!
Severe cognitive impairment: You can pay multiple times, each time of 1000. The natural enemy of longevity is a disease. As the average life expectancy increases, the higher the probability of suffering from major diseases. Among them, severe cognitive impairment has become a major threat to the elderly who live longevity and will bring many inconveniences to themselves and their families.
NO.4 Cancer Continuous Payment
Cancer Continuous Payment and Cancer Multiple Payment can only be chosen. If the first serious disease is cancer and cancer is discovered for the second time, you can choose multiple payments for cancer, or you can choose continuous payments for cancer. If you choose the latter, you will pay 5% of the basic insurance amount every month, that is, 5% of 100w - 500w per month, lasting for 100 months, and the total compensation ratio reaches 500% of the basic insurance amount, that is, the total compensation will reach up to 500w!
NO.5 Non-serious disease compensation
Each compensation is 20%, up to 5 times.
NO.6 Annuity compensation for caregivers of cognitive impairment
If the insured has received serious illness compensation for severe cognitive impairment before the age of 85, after one year of compensation, 6% of the basic insurance amount will be paid every year - that is, 60,000 yuan per year as annuity for caregivers of cognitive impairment (it can be understood as paying 60,000 yuan per year as a caregiver cost or making up for the reduction in income generated by care).
NO. 7 Death insurance compensation
If the insured unfortunately dies, you can receive 100% of the basic insurance amount.
NO.8 Refund value
30-year-old retirement value 56w, 40-year-old retirement value 105.9w, 50-year-old retirement value 209.5w, 60-year-old retirement value 400.6w, 70-year-old retirement value 771.8w, 80-year-old retirement value 1496.1w, 90-year-old retirement value 2950.7w, 100-year-old retirement value 5847.8w.
ceiling level exists, in addition to enjoying high insurance coverage, there are additional dividends to deal with inflation, and it is safe and sound throughout your life. The value of this critical illness insurance is far beyond imagination!
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