What is the content of the Taikang All in One Protector 2015 Protection Plan ?

Xueba says insurance, focusing on insurance evaluation. Taking advantage of the break, I put together a copy"Comparison Table of 136 Popular Critical Illness Insurances in China".

Get it on demand Taikang All-in-One Guarantee 2015 is already a relatively old product, it's not that I like the new and hate the old, it's been so long, it doesn't mean much, the times are advancing, we have to keep up with the pace, so I deliberately sorted out the newer All-round Guarantee 2017.

Without further ado, let's take a look at where this Taikang all-in-one can be. And what other unexpected features are included?

Want to see how versatile this product is? This article will give you a correct one".How did an accident insurance get the name of all-round insurance?

The multiple liabilities of Taikang Universal Insurance, which is known as universal insurance, mainly refer to critical illness, accident, death, high disability, return at maturity, etc., and is known as the decathlon. It seems that the terms seem tempting, there are many types of insurance, but in fact, there are many places that can be complained about. I made a simple ** of the content of this product (see picture below).

Combined with the content of the terms,We can clearly see the disadvantages of this product:

(1) Accident medical treatment is not coveredIt does not reimburse the ** expenses of outpatient visits and hospital stays due to accidental injuries.

(2) Incomplete disability protection:Disability is divided into categories, and only high-level disability is covered.

(3)**Expensive is not cost-effective:The accident insurance in the market is not enough than this, but a few hundred yuan can protect the accident, while this tens of thousands of all-round insurance requires tens of thousands of yuan.

(4) Age Limit:Depending on the age, the payout is different. The payout is highest before 75, and only half of the payout is payout after 75.

One of the few bright spots may be that there are coveted high payouts for specific accidents; It is true that the maximum loss of 20 times the basic sum assured is true, and this is only when certain traffic accidents, elevator accidents, and major natural disasters occur in the event of an accident.

On the whole, although this seems to have a lot of protection content, which can protect against critical illness, general accidents, traffic accidents, elevator accidents, major natural disasters, etc., it should be noted that many clauses have empty names, difficult to implement, and the premium is expensive, and the average family may not be able to afford it.

For the same amount of money, you can get better value for money for critical illness insurance, medical insurance, accident insurance, and remember that insurance is not a one-size-fits-all approach.

In the past few days, I have spent a lot of time collecting information, and I have reviewed the critical illness insurance, medical insurance, and accident insurance worth buying in detail, and you can see the following list:

"Top 10 Popular Critical Illness Insurance Points Worth Buying! 》

"Top 10 Million Medical Insurance Rankings Newly Released! 》

"In 2020, the most worthwhile accident insurance is here".Hope!

The types of insurance are as follows:

1. Critical illness insurance: 105% of the premium will be refunded for illness within 180 days, and the insured amount (100,000) for illness after 180 days;

2. Non-accidental death or high disability insurance benefits: 105% of the premium will be refunded within 180 days, and the insurance amount (100,000) will be paid after 180 days;

3. General accidental death or high disability insurance benefits: in the event of such risks, the insurance company will compensate 2 times (200,000) of the insured amount of the contract;

4. Accidental death or high disability insurance for vehicles: 10 times (1 million) of the insured amount for those under the age of 75, and 5 times (500,000) for those over the age of 75 (inclusive);

5. Death or high disability insurance for driving accidents: 10 times the insured amount for those under the age of 75, 5 times the insured amount for those over the age of 75 (inclusive), and 2 times the insured amount for accidents within 180 days.

Taikang All-in-One Insurance is an accident insurance that not only protects against accidents, but also covers critical illnesses, and can be returned at the end of the period, which sounds very exciting. Is that really the case? Next, I will give you a good analysis of this product.

Before that, it is recommended that you take a look at the domestic accident insurance**, so that you can more easily understand the following analysis:"Super Complete! Comparison table of 136 accident insurance models that are popular in the country

Taikang All-in-One Guarantee 2015 is already a relatively old product, it's not that I like the new and hate the old, it's been so long, it doesn't mean much, the times are advancing, we have to keep up with the pace, so I deliberately sorted out the newer All-round Guarantee 2017.

All-round insurance 2017 is a return-type long-term accident insurance, through the ** can be seen, the scope of protection of this product is quite wide, can protect critical illness, general accidents, traffic accidents, elevator accidents, major natural disaster accidents, etc., the highest proportion of compensation is still quite high, specific traffic accidents can have up to 20 times the basic amount of insurance insurance.

But it's not really cost-effective. If you don't believe me, you can take a look at my in-depth review of this insurance:"Taikang [All-in-One Insurance]: An expensive and incomplete accident insurance! 》

Because of the word limit, I'll give you a brief analysis here:

1. This premium is very expensive. A 30-year-old man buys 100,000 yuan of insurance, and he has to pay more than 4,000 every year. In comparison, this one is really expensive, and for ordinary working families, the pressure is not small.

Although the premiums can be refunded after a few decades, who can guarantee that the currency will not be inflated at that time? Can 100 yuan a few decades ago be compared to 100 yuan now?

2. This does not cover accidental medical treatmentThis insurance does not cover accidental medical treatment.

3. There is also a lack of disability protectionOnly those who have attained a high level of disability can be insured, and other levels of disability are not covered.

Therefore, this kind of return-based long-term accident insurance is generally not recommended to buy, and it is not cost-effective. Accident insurance with complete protection costs dozens of dollars a year, and it is also possible to buy high insurance coverage, and there is also a very comprehensive protection content. There is no need to say that in order to be able to return the premium, you have to pay thousands or even tens of thousands of yuan more every year.

Compare more with other products, you can also take a look at these, ** very cheap, only about 100:"In 2020, the most worthwhile accident insurance is here".Hope!

Taikang Life's more rational and comprehensive insurance design covers: aviation accidents, self-driving travel accidents, catastrophe accidents, 42 kinds of critical illness protection and general accidents, and all the principal can be used as a pension when the maturity is returned, so that you can live with dignity and health in your old age!

1 insurance for aviation accidents of 2 million, 2 insurance for buses, private cars, private cars, 1 million, 3 insurance for natural disasters 500,000, 4 insurance for general accidents 200,000, 5 insurance for ordinary accidents 100,000, critical illness 100,000, return to the capital at the end of the period, please chat privately for details.

The payment fee is low, the protection is high, and other companies can insure Taikang Insurance, and other companies do not insure Taikang Insurance.

Aviation, self-driving, passenger transportation, natural disasters, general accidents, 42 types of critical illnesses, all of which are covered.

Aviation accident insurance is 2 million, major natural disasters are 500,000, and self-driving and private cars are 1 million.

The payment is low, the protection is high, and the insurance is complete, and the other companies can protect this, and other companies do not protect this insurance.

This product covers aviation, transportation, self-driving accidents, critical illnesses, natural disasters and other comprehensive protection.

As long as it flies in the sky, runs on the ground, and the means of transportation upstream in the water are guaranteed, and serious illnesses are also sent.

1. Aviation 2 million.

2. Transportation (private car) 1 million.

3. 500,000 natural disasters.

4. General accident 200,000.

5. Non-accidental 100,000.

6. 100,000 for critical illness.

7. It can provide for the elderly and provide additional medical treatment.

This insurance, whether the person is standing or lying down, has money, and pays less insurance.

The insurance project that can be done by itself for 1,000 yuan charges more than 3,000, which is very cost-effective, what to say about returning the capital at the end of the period, the 2,000 yuan you save every year to make a fixed investment, after 20 years, the income is far more than the return of the principal, the most important money is in your hands at one time, it is living money, not dead money! You must not buy the so-called dividend insurance, or what to return the principal, the insurance itself is like consumer goods, the money you pay is equal to consumption, insurance focuses on "insurance" rather than "financial management", don't think about making money on insurance, the calculation of insurance companies is too complicated, and ordinary people can't calculate insurance companies. Life is the most important, money is also the most important, dividend insurance is just to let you not get money when you need it most, and when you are old, you are about to die before slowly sending some money, and these so-called pension money, you pay it, may not even be able to compare with the interest of long-term bank deposits.

We should stay away from dividend-paying and wealth management insurance as far away from drugs; Spend more than 1,000 yuan every year to buy accident insurance, critical illness insurance, and health insurance as a supplement to the national medical insurance!

Accidents are combined with critical illnesses.

Is the all-round circumcision gall included?

Comprehensive protection, contact me for details, you can make a plan for your reference.

The partners are very comprehensive when combined.

Hello: Glad to serve you! Private chat.

Can you get hospitalized medical treatment?

When you look at the first floor, you have a very poor sense of insurance, what is insurance? Do you understand?

Legal Analysis: Taikang Universal Protection Plan mainly covers two major aspects of accident and critical illness, and pays according to the following situations: 42 types of critical illness are covered according to the basic sum assured, high disability and death caused by traffic accidents and self-driving accidents are claimed at 10 times the basic sum assured, death or disability caused by aviation accidents is claimed at 20 times the basic sum assured, general accidental death and high disability are claimed according to 2 times the basic sum assured, and death or high disability caused by non-accidents is paid according to the principal sum assured. At the end of the term, the accumulated premiums will be refunded.

Taikang Universal Protector Plan covers people aged 18 to 60, and the coverage period can be 70 years old, 80 years old or 30 years. Reminder: The Critical Illness Protection covers critical illness protection, so there is a 180-day observation period, and the confirmed critical illness within 180 days after the application is applied, the compensation can be paid according to the agreed sum assured, and if the critical illness is diagnosed within 180 days, only the macro premium paid will be refunded.

Legal basis: "Insurance Law of the People's Republic of China" Article 2 The term "insurance" in this law refers to the commercial insurance behavior in which the insured pays insurance premiums to the insurer in accordance with the contract, and the insurer bears the responsibility for compensating for the property losses caused by the occurrence of accidents that may occur as agreed in the contract, or bears the responsibility of paying insurance money when the insured dies, is disabled, sick, or reaches the age and time limit agreed in the contract.

Summary. Insurance means that the policyholder pays the insurance premium to the insurer according to the contract, and the insurer bears the responsibility of compensating the insurance money for the property damage caused by the occurrence of the accident that may occur as agreed in the contract. Stable and reliable protection, which is later extended into a security mechanism, is a tool used to plan life finances.

Insurance is the basic means of risk management under the conditions of market economy, and is an important pillar of the financial system and social security system.

Dear, I am glad to answer for you, Taikang All-in-One Insurance 2015 Insurance Plan is a product that can provide a number of protections for people aged 18 to 60 years old, and also has a high protection, can return to hail round of special concessions, is one of the best choices for consumers to protect their own safety, so that their families can rest assured. Its protection function is very powerful, which can provide consumers with 42 kinds of critical illness, high disability, and all-round value protection.

Insurance means that the policyholder pays the insurance premium to the insurer according to the contract, and the insurer bears the responsibility of compensating for the property loss caused by the occurrence of the accident that may occur as agreed in the contract. Stable and reliable protection, which is later extended into a security mechanism, is a tool used to plan life finances. Insurance is the basic means of risk management under the conditions of the market economy, and it is an important pillar of the financial system and the social security system.

It seems that what you said is not very clear.

Term insurance can get the principal when the insurance expires at the age of 80, if it is less than 80 years old, how can he return it?

20% penalty will be deducted.

You can upgrade the teacher's service, and the teacher will learn more about it for you.

Summary. Dear Hello, I'm honored to answer for you Yes return type. Taikang 2015 is a product of Taikang Life, and there are two ways to receive the rebate:

Survival benefit at the end of the insurance term, and premiums paid in death or high disability. The specific insurance contents include: survival insurance benefits, general death and high disability, general accidental death and high disability, accidental death of major natural disasters and high disability, accidental death of vehicles and high disability, self-driving accident death and high disability, aviation accident death and high disability, etc., and critical illness insurance benefits can also be paid in advance, and the policyholder can also be exempted.

Dear Hello, I'm honored to answer for you Yes return type. Taikang 2015 is a product of Taikang Life Insurance, and there are two ways to receive the refund: survival pension at the end of the insurance period, and the premium paid in death or high disability.

The specific insurance contents include: survival insurance benefits, general death and high disability, general accidental death and high disability, accidental death of major natural disasters and high disability, accidental death of traffic tools and high disability, death of self-family early driving accident high disability, death of aviation accident high disability, etc., and critical illness insurance benefits can also be paid in advance, and the policyholder can also be exempted.

1. After 10 years of Taikang Life Universal Insurance, the principal cannot be fully returned. 2. How much can be returned when the specific surrender is clearly recorded in the "cash value table" of the insurance contract, and the customer can check it by himself. 3. The universal insurance sold by insurance companies mainly relies on the investment of premiums after the premiums are paid to bring profits to customers and the company.

Before the premium is paid, although there is a small amount of profit from the investment of the premium received by the type potato, its profit is not much surplus compared to the ** commission, risk compensation and other expenses paid in the early stage.

Can I get all the principal back after 15 years I want to pay for 15 years to 70

Currently in the seventh year.

Pro-Taikang Life All-in-One Insurance covers critical illness, minor illness, accident, and the insurance period is up to the age of 80.

In other words, you must be 70 or 80 years old to get a full refund, right?

According to the choice you choose whether the protection period is 30 years or 70 years old or 80 years old, you can't return it after the expiration of the payment period, and you can only return the principal when the insurance period is up.

Got it, thank you.