Does anyone know the rate of New China Insurance s Health Fortune Star ?

1. Whether the sum insured has increased, most insurance companies have not increased the sum insured, what does it mean? Now you think it's very high to insure 10 200,000, but 20 or 40 years later, is this 200,000 insurance still worth it? Can I still be insured against this critical illness?

Therefore, it is necessary to have the function of value preservation and appreciation.

Xinhua's Fuxing insurance amount will increase every year, that is, the insurance amount is changing, if you buy 100,000 yuan, it will increase by 3,000 yuan per year, which can effectively curb currency.

And Corning was 50,000 in his lifetime.

2. Critical illness is generally mostly extra, what does it mean? That is, after your critical illness is paid, the sum insured of the main insurance will be reduced accordingly.

The main insurance is 100,000, and the risk of aggravated illness is also 100,000, and after the critical illness insurance is paid in the future, the amount of the main insurance will be reduced accordingly, so after subtracting 100,000, how much value does your insurance account have?

The above two products are in the form of main insurance.

3. Choosing an insurance company is like we choosing a partner, it is best to do it without regrets in this life, here, the following 3 criteria are provided for reference, please pay attention to it: Does he make you feel safe? --Sufficient solvency.

Life insurance is expensive in protection, especially long-term protection, which requires a company's solvency. Therefore, when choosing an insurance company, it is best to carefully examine and understand the solvency of the company. Is he suitable?

There is no such thing as a good or bad type of insurance. There is only the difference between suitability and fitness, and it is important to see if a company meets my needs and has comprehensive coverage, just like facing many good clothes, we must choose a set of suitable ones. Do you have a sincere sense of service?

Insurance is ultimately completed by service, from the initial insurance recommendation, insurance application to the final payment, service is always with us. Therefore, we should examine the company's services, such as whether the company's service system has passed international certification, whether it is convenient, and the service level of the company.

Here, I know that in this industry, we have three recognized sentences that say this: "brand in life", "Ping An talents", "Xinhua products", and finally about the principle of insurance needs to be paid attention to:

1) Buy insurance first to buy medical health, health can ensure that customers have everything.

2) Buying insurance is light on words and heavy on contracts, life insurance is generally medium and long-term contracts, and if you buy it, you can become a lifelong happiness, otherwise it will have a great impact.

3) Insurance products need to have the function of maintaining and increasing value, and the current standard of living is increasing day by day, and must be able to curb inflation.

4) To buy insurance, you must first protect the head of the family, if the main wealth creator of the family is not protected, then the premium? Cost of living? and other family expenses are not ***.

5) Buy insurance first for adults and then children, and adults are the best protection for children. If adults are not protected, no matter how much insurance children have, it is meaningless, after all, it is the adults who pay the relevant fees for the children.

From 30 days to 60 years old, what do you call people? You should start by saying your age. Assuming that the insured is a 5-year-old boy and pays for 20 years, he should pay 344 yuan per year and 314 yuan for girls (health fortune increase); The double increase is ., respectively

It is recommended to buy Xinhua's "Jixing Gaozhao Plus 08 Critical Illness Insurance (Dividend)" - but many provinces can't buy it, I don't know which province you are in?

1. Health Fuxing Increases 2014 Surrender Process.

Generally speaking, the surrender process generally includes the following main steps: submitting the surrender application, preparing the surrender materials according to your own surrender situation, and going through the surrender procedures. Submit a surrender request.

The applicant for surrender shall truthfully collect and fill in the application form for surrender, explain the reason for surrender and the start time of surrender, sign or seal, and submit the application form to the business management department of the insurance company.

Prepare the surrender materials: Prepare the information specified by the insurance company for the surrender of the policy, including: my ID card, insurance policy, etc., but the information required for surrender during the cooling-off period is slightly different from the information required for surrender after the cooling-off period. Let's move on to the highlights.

Surrender the policy. The person who surrenders the insurance will bring the surrender materials to the insurance company's counter to go through the relevant surrender procedures, and fill in the relevant materials according to the prompts of the staff. Once approved, you can get a surrender**.

2. How much can I get back when I surrender the 2014 Health Fortune Increase?

1. Surrender during the hesitation period: Normally, there will be a hesitation period after buying insurance, which will last about 10 to 15 days. During this period, all premiums are refundable if the policy is surrendered;

2. Misleading sales: If the salesman does not operate properly when he buys insurance for the first time, and the insurance contract is not signed by himself, it is very likely that he will get all the money back.

If these two situations are not consistent, it will inevitably cause financial losses. At this time, it is very important to reduce the loss of money. For example, you can choose to reduce the amount and pay:

That is, no refund is requested, but the current cash value is used as the insurance premium, which is guaranteed as much as possible and will not be paid in the future. The guarantee will still be in effect, but the sum insured will be reduced.

Although this method reduces the loss compared to surrender, it does not mean that everyone can deal with this plan, and you need to confirm with the insurance company to know whether it can be handled in this way.

3. Precautions for surrender of Health Fortune Star Increment 2014.

1. Time to surrender the policyAfter purchasing a new insurance, wait for the waiting period to pass before returning the old insurance. It's best not to break the coverage because of a replacement surrender.

2. Health status: If there are some health problems in the body, it is very likely that the health of the new insurance will not pass, so if you surrender the policy, there is no risk of protection, so it is not recommended to do so. Pickpocketing.

3. Payment card balance: After the surrender is confirmed, it is best to take the money in the bank card and use it to pay the premium. If the surrender is unsuccessful and the payment deadline is reached, it is very likely that the payment will be deducted.

The above questions about the 2014 surrender of the health fortune increase have been made, and I hope that the above surrender details can help everyone.

Covers 45 critical illnesses:

1. The 25 types of critical illnesses in the "Specifications for the Use of Disease Definitions in Critical Illness Insurance" issued by the Insurance Association of China:

1. Malignant tumors; 2. Acute myocardial infarction; 3. Sequelae of stroke; 4. Major organ transplantation or hematopoietic stem cell transplantation; 5. Coronary artery bypass grafting; 6. End-stage renal disease (or chronic renal failure, uremia stage); 7. Multiple limbs are missing; 8. Acute or subacute severe hepatitis; 9. Benign brain tumor; 10. Decompensated stage of chronic liver failure; 11. Sequelae of encephalitis or meningitis; 12. Deep coma; 13. Deafness in both ears; 14. Blindness; 15. Paralysis; 16. Heart valve surgery; 17. Severe Alzheimer's disease; 18. Severe brain injury; 19. Severe Parkinson's disease; 20. Severe burns; 21. Severe primary pulmonary hypertension; 22. Severe motor neuron disease; 23. Loss of language ability; 24. Severe aplastic anemia; 25. Aortic surgery.

2. 20 kinds of critical illnesses specially added by Xinhua Insurance:

26. Severe multiple sclerosis; 27. Medical staff are infected with HIV or AIDS in their professional behavior; 28. Acute necrotizing pancreatitis; 29. Muscular dystrophy; 30. Systemic lupus erythematosus nephritis; 31. End-stage lung disease; 32. Severe insulin-dependent diabetes mellitus (type diabetes); 33.severe rheumatoid arthritis; 34.severe Crohnal disease; 35.

human immunodeficiency virus (HIV) infection due to blood transfusion; 36.Severe coronary heart disease; 37.Severe primary cardiomyopathy; 38.

Severe dementia not due to Alzheimer's disease; 39.Poliomyelitis; 40.vegetative state; 41.

myasthenia gravis; 42.ulcerative colitis; 43.renal medullary cystic disease; 44.

generalized scleroderma; 45.Cor pulmonale.

All types of critical illness of insurance companies are covered by the state and are approved by the China Insurance Regulatory Commission.

It won't make much difference. The difference is only that there are a few more rare diseases, with an incidence of only 1 in tens of thousands or even 1 in hundreds of thousands, which has no practical significance. The most important thing is the 25 types stipulated by the state. occupies the category of critical illness.

Pacific Golden Life (2014) Critical Illness Insurance covers 60 critical illnesses + 12 minor illnesses, for a total of 72 illnesses. In addition, it is the only promise in the industry that if 12 mild illnesses occur, 20% of the sum insured can be withdrawn, and the subsequent premium can be waived. The sum insured increases year by year, and finally the healthy convertible annuity is used as a pension supplement.

Hello, how can this insurance not be generalized, each insurance has its own value and significance, is not suitable for everyone, it is recommended that you still combine the actual situation of the individual to the insurance company and then combine the specific type of insurance to compare the choice, buy the right insurance is a good insurance, good luck.

New China Insurance's Healthy Fortune Star Incremental Whole Life Critical Illness Insurance is good, and the "Healthy Fortune Enhancement (2014) Critical Illness Insurance" covers 45 types of critical illnesses and is covered for life. Taking the sum insured of 100,000 yuan as an example, 1) suffering from critical illness: within one year, the premium paid is multiple; After one year, the basic sum assured will be paid of 100,000 yuan (1+3% of the entire year after the policy), that is, on the basis of 100,000 yuan, 3,000 yuan will be increased every year.

2) Death: within one year, before the age of 18, the actual insurance premium will be paid; After the age of 18, the premium is paid at the rate of the actual premium.

Due to an accident or one year later, before the age of 18, the greater of the cash value corresponding to the actual premium paid and the basic insurance amount;

After the age of 18, the basic sum assured will be paid of 100,000 yuan (1+3% of the entire year after the policy), that is, on the basis of 100,000 yuan, an increase of 3,000 yuan per year.

3) The insured is exempted from insurance premiums for accidental injury death or accidental total disability.

4) At the age of 66, you can have the right to switch pensions.