Xinhua Insurance Xianghe Wanjia Insurance, Xinhua Insurance Xianghe Wanjia Insurance Participating I

This is an accidental injury, it depends on whether the commercial insurance you buy has an accident medical treatment, if it is the insurance liability, the insurance company will have to compensate, and there is the art of speaking, why do you report the incident 9 years ago? Now it's what to do so far, 9 years ago I fell to the future, now I fell now, I may pull a little skin, but your mother bought insurance and told her that she had fallen to her left arm 9 years ago and also hit the steel plate, and told the truth, if there is an insured accident medical treatment, the insurance company will have to report. If you don't report it, you will definitely win the lawsuit.

Xinhua Insurance Xianghe Wanjia Insurance is a comprehensive insurance that does not include accidental medical expenses!

If the customer has additional accident medical insurance, it will not affect the claim, because the fall injury and the last accident caused by the customer have been more than 2 years! According to these two points, if it is covered by the insurance liability, the insurance company must unconditionally settle the claim!

First, you can consult the relevant insurance company for this question.

Second, in general, this situation depends on whether it is in the insurance contract, and if it is not in the insurance contract, there is no way to reimburse it.

Third, you can ask the relevant local insurance companies to understand the relevant situation, and fourth, there are all kinds of information on the Internet, and only the local answers are the most authoritative and accurate.

Fifth, I wish you a smooth work, a prosperous career, a healthy life, and a happy family.

Generally speaking, such a situation is only reported if you have purchased accident insurance or hospitalization medical insurance.

1. This is a comprehensive life insurance with dividends. The basic information of the product is as follows:

1. Age: 30 days old - 55 years old.

2. Payment method: one-time payment, 5 years, 10 years, 20 years.

3. Insurance period:

Expiration years.

Age-old type: to the age of one.

4. Insurance liability.

During the contract insurance period, the company assumes the following insurance liabilities:

Maturity Survival Benefit: The Company shall pay the maturity survival insurance benefit at the rate of the sum of the basic insurance amount and the accumulated dividend insurance amount until the expiration of the insurance period, and the contract shall be terminated.

Death or Total Disability Benefit.

In the family, the children's protection needs are mainly accident insurance, critical illness insurance, hospitalization insurance and accident medical insurance, and there is no need to consider life insurance at all.

Four-year-old children purchase the above insurance, covering up to 200,000 critical illnesses, and 100,000 hospitalization only costs 620 yuan.

Third, from the perspective of financial management, the biggest problem in insurance and financial management is that the income is too low and the information is not transparent, the investment income of the whole industry in 2012 is less than 4%, how much can customers get after deducting shareholder dividends? And the dividend of the dividend insurance is uncertain, if the year does not pay dividends is not illegal, ordinary people do not need to manage their finances through insurance, to the problem of protection can be considered through insurance to solve, which should become the only purpose of our consideration of insurance.

Fourth, the characteristics of participating insurance are that policyholders can share the operating results of the insurance company while enjoying the protection, and one insurance takes into account the protection and financial management functions.

It is true that participating insurance not only has a guarantee function, but also has an investment function, which is quite popular with consumers, but everyone is often confused by the demo interest rate when buying, in fact, almost no one can get the expected return.

1. The rate of return is uncertain.

2. The dividend pool is not transparent.

6. Participating insurance is not suitable for everyone to buy, so it is recommended that you do not blindly insure, and configure basic protection products according to your own needs, which is a rational choice.

The dividends of Xianghe Wanjia depend on your insurance amount, which can be paid at maturity and can be multiplied by the total sum insured, which includes the basic insurance amount (which can be seen on your insurance contract) + the cumulative dividend insurance amount (the annual dividends are added together, uncertain, depending on the future operation of Xinhua Insurance Company). For example, if your basic insurance amount is 50,000 yuan, then you can get back at least 10,000 yuan at the end of the period, and the amount will be different under the assumption of high-end, mid-range and low-grade dividends. In the end, the amount of money you will be able to get will only be known in the end, because the operation will be unknown from year to year.

But the guaranteed 10,000 is proper, and the contract is ***.

This product is a relatively popular product of Xinhua Insurance, in 2012 and 2013 won the annual insurance award, the protection is very comprehensive, death, critical illness, cancer can be compensated, safe and secure to the expiration of the money and money returned, in both insurance is still very good. I'm a financial planner and I've recommended this product to my friends. From the perspective of yield, the yield of insurance products is not very high, and the investment allocation of insurance funds is based on the first goal of safety and capital preservation, and the main allocation is large-amount certificates of deposit, gilts and some first-class infrastructure investments.

Therefore, it is impossible to rely on insurance to increase wealth quickly, and it can only be regarded as a long-term compulsory savings. Moreover, his protection functions (critical illness, cancer and death benefits) are not possible with other wealth management products.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

I bought Xianghe Wanjia Dual Participating Insurance. How to make a claim if there is an insurance risk?

Xinhua Insurance and Pingwanjia Insurance cannot be taken out after 20 years, and can only be taken out after the insurance protection period, that is, after 70 years. Generally, this kind of participating insurance will have a payment period, so most consumers will think that the money can be taken out when it expires, but they don't know that it can only be taken out when the first period is up, so it is also a pit of this kind of insurance. However, the compensation of Xinhuapi Xuchang Insurance's Pinghe Wanjia Insurance is still good.

If the insurance expires and the insured does not die, the insurance company will pay a survival payment, the total amount of which is multiple of the basic insurance amount and the cumulative dividend premium.

Summary. Hello, this insurance is a dividend insurance, dividend insurance, mainly that is, it is a financial management role for your funds, because his later dividends are higher than the bank interest rate, and then, you can achieve a protection of your assets, equivalent to your currency, to ensure that it will not depreciate, but you need to bear the corresponding price, that is, your premium is not desirable halfway, only when you pay enough years can you pay a monthly dividend.

Hello This is a very good question, I need a little time to answer, please be patient.

How much to surrender the policy, paid for five years.

Pay 3900 per year

Hello, this is a participating insurance, can not be refunded of the nucleus empty, the return is surrender, this insurance surrender can only refund 15% of the payment fee, the blind is 2925, almost 3000 yuan.

Retreat so little. How can I get more money back?

Hello, this Baosun State Eye Insurance is a dividend insurance, dividend insurance, mainly that is, he is a financial management role for your funds, because his later dividends are higher than the bank interest rate, and then, you can achieve a protection of your assets, equivalent to your currency, to ensure that it will not depreciate, but you need to bear the corresponding price, that is, your tracking fee is not advisable, only when you pay enough years can you pay a monthly dividend.

The proportion is dead according to the company's regulations, and there is no way to return more.

110560。According to the query of Xinhua Insurance Xianghe Wanjia related information: Xinhua Insurance Xianghe Wanjia needs to pay 5,528 yuan per year, for 20 consecutive years, 5,528 20 = 110,560 yuan, so Xinhua Insurance Xianghe Wantuan Bojia collapsed 110,560 yuan after 20 years.

Summary. Insurance liability: Critical illness 200,000 32 kinds of critical illness protection and cancer customer death 660,000 If the death or total disability is insured with a maturity survival benefit of 150,000 times the sum insured at maturity, the premium will be waived 10,270 yuan The annual insured will be exempted from accidental death and total disability as a cumulative dividend, and the amount of the annual cumulative dividend will correspond to the final dividend, and the final dividend will be paid at the end of the contract.

Critical illness 200,000 110% of the sum insured; 2.Within 200,000 years of this critical illness, if you are diagnosed with cancer for the first time, you will be hospitalized unexpectedly for 10,000 yuan per year (1) inpatient bed fee insurance benefit.

Xinhua Insurance, (Xianghe Wanjia) annual premium 3667, 20 years, what is included?

Hello, Xinhua Insurance, (Xianghe Wanjia) annual premium 3667, 20 years, including some what? Analyze and answer for you. 

Send me the link.

There is one who pays 1000 and one who pays 2667.

The scope of protection is as follows: 1. More comprehensive protection 1. Xianghe Wanjia can be attached to critical illness insurance, assuming that the policyholder is diagnosed with a critical illness after one year of insurance, then he can get five times the critical illness compensation; If the malignant tumor is diagnosed for the first time after one year, the policyholder will receive a compensation of 2.5 times the sum insured of the cancer prevention insurance.

That's all. There are two types of insurance, one is 1000 and the other is 2667, adding up to 3667

Delivered for 20 years. Insurance liability: Critical illness 200,000 32 kinds of critical illness protection and cancer customer death 660,000 If the death or total disability is insured with a maturity survival benefit of 150,000 times the sum insured at maturity, the premium will be waived 10,270 yuan The annual insured will be exempted from accidental death and total disability as a cumulative dividend, and the amount of the annual cumulative dividend will correspond to the final dividend, and the final dividend will be paid at the end of the contract.

Critical illness 200,000 110% of the sum insured; 2.Within 200,000 years of this critical illness, if you are diagnosed with cancer for the first time, you will be hospitalized unexpectedly for 10,000 yuan per year (1) inpatient bed fee insurance benefit.

Yes, one is critical illness insurance and the other is return-based participating insurance.

Summary. Dear, <>

Hello! Xianghe Wanjia Insurance (Participating). Additional insurance: additional 08 term critical illness insurance, additional cancer disease insurance.

Xinhua Xianghe Wanjia Insurance (Participating) is attached to the insurance liability of 08 term critical illness insurance.

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Hello! Xianghe Wanjia Insurance (Participating). Additional insurance: additional 08 term critical illness insurance, additional cancer disease insurance.

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Hello! Insurance liability refers to the scope and content of the insurer's liability as agreed in the terms of the insurance contract when the insured and the insurer sign the insurance contract and pay the premium according to the type of insurance underwritten, which is the insurance liability. In the event of personal loss or property damage within the insurance liability agreed by both parties, the insurer shall pay compensation to the insured in accordance with the insurance liability agreement.

It should be noted that the starting time of the insurance liability is not the effective time of the insurance contract, and the effective time of the insurance contract is the date of signing, and the starting time of the insurance liability starts from the agreement in the insurance contract to bear the insurance liability to the insurer. When signing the relevant insurance contract for protection, the split negotiation should clarify the agreed scope of insurance liability and the detailed rules of compensation in the insurance contract, so as to avoid disputes between the two parties in the future.