Both protection and policy benefits can be taken into account, and the effective insurance amount will increase over time.
The insurance rules of this product are slightly strict.
The insured is required to be at least 28 days old and 40 years old, and the occupation belongs to 1-4.
It means that many middle-aged and elderly people and high-risk occupational groups will not be eligible to insure this product.
These two types of people can only look for other products if they want to get nursing protection.
This product is guaranteed for life, supports wholesale and annual payment, and the longest payment period is 10 year.
If the insured is an adult, you can only choose wholesale payment and three-year payment.
In terms of initial insurance premium, the premium must be an integer multiple of 1000 yuan and must meet the minimum premium requirements.
When the insured is a minor, the initial insurance premium for batch payment and annual payment is 50 thousand yuan and 30 thousand yuan respectively;
When the insured is an adult, the initial premium paid in lump sum and annually is 50,000 yuan.
In contrast, the revival of Zhao Gao nursing insurance is more friendly to minors, and adults need to meet higher premiums and shorter payment periods.
In terms of responsibility, Fuxing Zhao Gao Nursing Insurance mainly provides the protection of illness death and long-term care. The specific compensation details are shown in the table, so the nurse won't say much.
The insured amount is increased by 3.5% year by year, and the longer the time, the greater the guarantee.
At the same time, the product also has a certain policy income, which can be used to meet different capital use needs with insurance relief and policy loans.
Generally speaking, this product is very similar to whole life insurance.
The main difference lies in the guarantee responsibility of the two.
Zhao Gao's nursing insurance covers sickness, death and disability, while whole life insurance usually covers death and total disability.
The former focuses on nursing, and accidental death is not covered.
The latter focuses on the protection of death, which can protect the death caused by diseases and accidents.
Although total disability may also lead to disability, disability caused by other reasons is not covered.
Above, if you have any questions or insurance-related, please consult Bao Dad!