(1) Survival guarantee
When the insurance expires, with or without claims, 1 10% of the total premium will be refunded.
(2) Death protection
If the insured dies during the insurance period, the death insurance premium shall be paid according to the total premium paid or the cash value of the policy is greater.
(3) hospitalization subsidy guarantee
During the insurance period, for whatever reason, as long as you are hospitalized in a designated hospital, you will get hospitalization allowance from 200 yuan every day. Single hospitalization is limited to 180 days, and cumulative hospitalization is limited to 1200 days. The maximum subsidy is 200 x1200 = 240,000 yuan.
(4) Operation subsidy guarantee
During the insurance period, he will receive the operation stipulated in the contract in the designated hospital and give a one-time operation subsidy of 40,000 yuan.
You can get at most: hospitalization subsidy of 240,000+operation subsidy of 40,000 = 280,000, and you can get back the full premium of 1 10% at the end of the guarantee period.
Answers to supplementary questions:
If the insured lives to 70 years old, 1 10% of the total premium will be refunded at the age of 70.
If the insured dies before the age of 70, the contract will be terminated by paying the death insurance money.
What is the maximum compensation for death? If the insured dies during the insurance period, the death insurance premium shall be paid according to the total premium paid or the cash value of the policy is greater. I can't answer you because the time of death is different and the cash value of the policy is different. If the cash value of the policy at the time of death is greater than all the premiums paid at the time of death, the cash value of the policy will be paid; On the contrary, it paid all the premiums paid, at least to get back the principal. There is a table in the contract that will list the cash value of the policy every year. Please refer to.
This insurance only has hospitalization subsidy and operation subsidy, and there is no accident insurance, so there is no disability compensation.
Pay RMB 338 per month, RMB 65,438+60,840 in 2005. Pay RMB 280,000 at most once, and return RMB 66,924 at maturity.
Supplementary questions Please don't delete the previous supplementary materials. Please ask questions. Please adopt it. Thank you.
The second supplementary question:
Hello, this guarantee is only a subsidy for hospitalization, not including outpatient service. This guarantee is paid by the day, and there is no reimbursement form.
You have the freedom to surrender midway, which is a breach of contract, and return the cash value of the policy, as any insurance company does. If Ankang Bao is paid on 15, the cash value of the policy is greater than the premium paid from the 30th year. Therefore, there will be losses in surrendering insurance 30 years ago. If you surrender your insurance midway, there will be no fixed income of 10%, only the cash value of the policy will be refunded. No matter what kind of insurance you buy, it is not recommended to surrender. If you need money urgently, you can use the policy to pledge the loan, and the loan amount does not exceed 80% of the cash value of the policy.
The monthly payment of this protection plan is fixed, and for whatever reason, it will not increase, but will only decrease.
For example, the premium paid by Ankang Bao Yue = main insurance (both life insurance and death)+additional hospitalization subsidy+additional surgery subsidy. Two additional risks, when the payment amount of any additional risk is used up, the additional risk is terminated, and the main risk and the other additional risk are still valid. But in the next payment, there is no need to pay additional insurance premium, so the insurance premium will be reduced.
As mentioned in the above example, the monthly premium is reduced, but when the survival insurance premium is paid on the due date, it is still the following formula: due survival insurance premium = first payment premium x payment period x 1 10%, which is not affected by the reduction of midway premium.
Finally, I want to say: the coverage of this insurance is from 90 days of birth to 50 years old. Take the payment of a 10 year old as an example. One-year-old boys only need to pay 150 yuan and 50-year-old men need to pay 1350 yuan every month, all of which are guaranteed until they are 70 years old, and the guarantee content is exactly the same. Young customers pay less and enjoy the protection for a longer time, so the protection is more suitable for young customers.
To purchase, please dial 95500, press No.2 Life Insurance, and then press No.9 Labor Service, work number WH4737.
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