Taikang Life Children s Insurance Introduction, Taikang Life Product Insurance

Taikang Life's protection insurance suitable for children includes critical illness insurance, medical insurance and accident insurance. In addition, on the basis of complete protection insurance, Taikang Life Insurance also has some children's annuity insurance products that can also be considered.

For example, such as Taikang Lexiang Health (Shuanghui Children) Critical Illness Insurance, Taikang Lexiang Health 2021 (Children's Edition) Critical Illness Insurance, Taikang Yingyue Life Section B (Children's Edition) Annuity Insurance, etc., are all products suitable for children.

For those who don't know much about Taikang Life, an insurance company, you can see: Is Taikang Life reliable? It's these products, I advise you to be cautious.

First of all, it is necessary to configure critical illness insurance for children, if they unfortunately suffer from critical illness, the blow to the whole family is still relatively large.

In the face of huge ** expenses, not all families can afford it.

Therefore, if you have a critical illness insurance for your child, you can pay a lump sum of insurance money when you are out of danger and meet the claim requirements, so that you can help the whole family get through the difficulties.

In addition, the configuration of medical insurance can also be used as a supplement to medical insurance to help reimburse the medical expenses of hospitalization due to illness, accident insurance can transfer accident risks, and accident insurance can leverage high insurance with low premiums, which is also very worthwhile.

For those who still want to have an in-depth understanding of these types of insurance, you can see: What is the difference between critical illness insurance, medical insurance, accident insurance, and life insurance? Will there be a conflict when making a claim?

Non-protection insurance like annuity insurance can be considered after completing the protection insurance, after all, if illness or accident really comes, such as annuity insurance may not be able to take out money at any time for emergency use.

However, annuity insurance has the role of compulsory savings and cash flow planning, such as buying it for children as future education funds.

However, when buying annuity insurance, you must pay attention to these problems: learn this trick and stay away from the pit of 99% of annuity insurance.

Xinhua Insurance's "Enjoy Life" participating insurance integrates long-term, health, education, marriage, pension and new financial management, with dividends and compound interest, safe and steady value-added, resisting inflation, returning money every year, and returning to the age of 80. The annual savings of 10,000 return to 9,000, and the 0-year-old child can get 10.01 million by the age of 80, which is a real 10 million baby.

The real children's education insurance is the wisdom baby + additional college education fund and high school education fund.

There are many types of insurance that can be used by children, such as Wealth Life, Universal Insurance, Prosperous Life, etc.

In medical care: Century Taikang, Taikang auspicious, healthy life is very good.

Taikang Life Insurance Co., Ltd. **** is a national, joint-stock life insurance company established on August 22, 1996 with the approval of the head office of the People's Bank of China, and the company is headquartered in Beijing. In November 2000, Taikang Life Insurance fully completed the foreign IPO with the approval of the China Insurance Regulatory Commission. At present, Taikang Life Insurance has a total of 20 shareholders, of which Chinese shareholders include Sinotrans Changhang Group, China Guardian International Auction, China Communications Construction Co., Ltd., CITIC East China (Group) and other large and medium-sized domestic enterprises.

Foreign shareholders include well-known international financial enterprises such as Swiss Fengtai Life Insurance Company, New Deal TEDA Investment**** and Japan Soft Bank Group.

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

Taikang Life has the following types of insurance:

1. Medical insurance can mainly reimburse the reasonable and necessary medical expenses incurred by the insured due to illness or accident;

2. Endowment insurance, which takes the life or body of the insured as the insurance object, can be paid by the insurance company in accordance with the insurance contract when the insured retires in old age or the insurance period expires;

3. Critical illness insurance, which mainly covers critical illnesses such as malignant tumors;

4. If the insured suffers from the disease agreed in the insurance contract and meets the conditions for claims, the insurance company can make a claim;

5. Accident insurance, which can mainly cover accidental death or disability, accidental medical treatment, etc.

Annuity insurance refers to life insurance that takes the survival of the insured as the condition for the payment of insurance benefits and pays the survival insurance benefits at agreed intervals. The annuitant and the insured can be the same person or different people, and annuity insurance can be said to be an investment.

Hello, Taikang Life Insurance Co., Ltd. was established on August 22, 1996 and is headquartered in Beijing. After 18 years of steady and innovative development, it has grown into a national large-scale insurance company with life insurance as the core and the whole industrial chain of enterprise annuity, asset management, pension community and health insurance, and has been ranked among the "Top 500 Chinese Enterprises" for 10 consecutive years.

In 2013, Taikang Life continued to adhere to the value transformation, and the value of new orders achieved positive growth for three consecutive years. The company's total assets exceed 440 billion yuan, net assets exceed 25 billion yuan, and the solvency is sufficient. Taikang Life Insurance has 35 branches in Beijing, Shanghai, Hubei, Shandong and Guangdong, and more than 4,200 institutions at all levels.

By the end of 2013, it had provided insurance services to nearly 29.78 million individual customers and about 250,000 effective institutional customers, with a total of 10.43 million claims and a cumulative claim amount of 11.9 billion yuan.

Taikang Life Insurance owns Taikang Asset Management Co., Ltd., Taikang Pension Insurance Co., Ltd. and Taikang Home Investment. Taikang Asset Management is one of the largest institutional investors in the domestic capital market, with a total entrusted asset management scale of nearly 600 billion yuan, and a comprehensive investment return rate of excellent performance for 11 consecutive years. Taikang Pension is one of the five major professional pension insurance companies in China, providing a package of solutions for enterprise employee benefits such as group insurance, enterprise annuity, and individual pension insurance for the majority of enterprises and employees.

By the end of 2013, Taikang Home has completed the strategic layout of senior care communities in Beijing, Shanghai, Guangzhou and Sanya.

In the future, Taikang Life will adhere to professional management, deeply cultivate the life insurance industry chain, provide customers with a full range of financial and insurance services that last for a lifetime "from cradle to paradise", and strive to become the world's leading insurance and financial service group, making insurance more convenient and affordable, and making Taikang Life a part of people's lives!

The annual dividend of the insurance company is uncertain, you can call 95522 for consultation, and report some information such as the policy number according to the customer service reminder.

The details of Taikang Life Insurance are as follows:

1. Medical and health care: mainly to protect the health of the insured, mainly in the form of medical insurance, critical illness insurance or a combination of several types of health insurance;

2. Travel accidents: mainly accident insurance, which is usually subdivided into accident insurance and comprehensive accident insurance;

3. Value insurance: life insurance, mainly based on the life of the insured, if the insured dies or becomes totally disabled within the insurance period, the insurance company will pay the corresponding insurance money;

4. Children's education: a type of product that mainly focuses on children's education annuity insurance, mainly for children's future education;

5. Pension purpose: mainly endowment insurance, planning for the future pension of the insured, so that the insured can enjoy their old age in peace. Taikang Life Insurance is an endowment insurance that can be used as a supplement to the social security pension of the insured. Chiroscopic filial piety.

6. Fund application: mainly annuity insurance, users can choose an annuity insurance, and it is very convenient for users to plan their wealth for a period of time in the future.

The insurance products currently on sale in Taikang Life mainly involve critical illness insurance, medical insurance, accident insurance, which are suitable and mandatory for most of us, as well as life insurance, annuity insurance and other types of insurance suitable for some people. There are pros and cons to the performance of the product itself, and you can start from your own needs and combine the performance of the product to see which insurance you want to insure. If you don't know what type of insurance you should buy, then this insurance guide can be bookmarked:

With so many types of insurance, which one should I buy first?

The senior sister will tell you about Taikang's products with Taikang Le Anxin Lifetime Critical Illness Insurance. This critical illness insurance is divided into two types of payment options for minor illnesses: if the insured is diagnosed with a minor illness as agreed in the contract for the first time due to non-accidental reasons during the waiting period, the accumulated premiums paid will be paid; If the insured is diagnosed with a mild illness due to an accident or for non-accidental reasons after the waiting period, 20% of the basic sum insured of the contract will be paid, but this benefit ratio is insufficient.

A good critical illness insurance should cover the mild to moderate illness coverage corresponding to the high-incidence critical illness, and the corresponding proportion of the mild to moderate illness benefit should reach 30% and 60% of the basic sum assured respectively, and it is also best to have additional benefits for critical illness and malignant tumors - severe multiple claims. It's not easy to buy a good critical illness insurance, but it doesn't matter, Senior Sister has sorted out the key points for everyone:A good critical illness insurance policy looks like this!

You've been lied to for so many years.

Speaking of Taikang Life, an insurance company, it was established in 2016, and according to the latest data, Taikang Life's core solvency adequacy ratio in the third quarter of 2022 was a comprehensive solvency adequacy ratio; In the first two quarters of the year, the overall risk rating was BB. It can be seen that the solvency of Taikang Life Insurance is relatively strong, and several data far exceed the passing line set by the China Banking and Insurance Regulatory Commission. However, we still need to focus on the insurance product itself when applying for insurance, and follow the terms agreed in the contract, so we don't need to focus too much on the insurance company.

Hope.