Seek a good commercial critical illness insurance

If you just want to protect your illness, it is recommended that Taikang be accompanied by auspiciousness

If you are complimented on your insurance awareness, I won't say it to you, it's not interesting

Taikang's auspicious companionship is an insurance that encompasses a variety of diseases

It only takes a few hundred dollars a year to guarantee 200,000 yuan.

Almost all common diseases are covered by a variety of major and minor surgeries, as well as hospitalization

It's just that this type of insurance is consumer-based, and the money you pay every year does not generate dividends and does not return to the principal

In the event of an accident, it will be paid according to the sum insured

A healthy life is a return to the capital, 500 yuan a piece, like if you are 24 years old, pay 3000 to 4000 a year, you can pay more than 100,000 yuan, and it is paid in advance, if you choose the insurance period to be 70 years old, you will return all the premiums you pay without interest at the age of 70, if you choose the insurance period to 80 years old, then it will be returned to you at the age of 80.

There is also Taikang auspicious, which is paid on a daily basis Regardless of any illness or accidental injury hospitalization** is a subsidy of 100 yuan a day, and the payment is 7 or 800 yuan a year You can choose to insure until the age of 65 or 88 There are two ways to wait until the expiration of the insurance period, not only to return the principal but also dividends The total amount of this insurance is 100,000 yuan, that is to say, from the time you are 24 years old until the expiration of your insurance, you can pay a total of 1,000 days, and there is no conflict between any types of insurance After other insurances are reported, this can also be reported, and the policy will not be denied after the policy takes effect, that is to say, for example, the insured is sick in the second year after applying for insurance, and the claim is also claimed, but in the third year, he is sick again, and he has to make a claim, regardless of the number of times, only the number of days, and the cumulative compensation will be paid for 1000 days, and the claim will not be claimed, and it is also very convenient to reimburse, and there is no invoice, as long as the hospitalization certificate, discharge certificate, and diagnosis certificate are OK

If you don't understand any questions, you can contact me through the message

Best-wishes: Good health.

Family fun.

The critical illness insurance of commercial insurance has the function of early payment.

I don't know if the critical illness you want is regular or lifelong.

I am Ping An, so I recommend 2 Ping An additional critical illness insurance, Xinsheng is lifelong (low premium, high protection), Xinxiang is regular (3 times the amount of insurance, there can be 5 options during the protection period).

If you don't know which city you are in, you can go to the local Ping An Life to consult the specific content.

At first glance, it is an expert, especially attaches great importance to early payment, I think China Taiping's Fulu Shuangzhi may not be the best, but it is the most suitable for you, and it has been rated as the best health insurance for 3 consecutive years, which shows that it stands out, and early payment is one of its highlights.

Understand people, I won't fight with you Haha, buy insurance, especially critical illness, the most important ,,,thing is the coverage and amount of insurance, Fulu Shuangzhi Insurance 35 kinds of critical illness, and it is a critical illness that will grow with the sum insured, you spend the same amount of money and now have a critical illness of 100,000, and after a few decades, the mid-range dividend is more than 200,000, more than 300,000, which effectively resists inflation.

PICC Health Care Specialist Lifelong Critical Illness.

Critical illness sum insured 50,000 + life insurance sum insured 50,000.

The payment period is 30 years, and the annual premium is about 1050.

If you only choose a care specialist for regular critical illness. (Guaranteed for 20 years) Critical illness sum insured 100,000 + life insurance sum insured 100,000.

The payment period is 10 years, and the annual premium is 620

Costs vary widely. After all, young people will be much cheaper.

Moreover, young people do not need a medical examination to purchase critical illness insurance.

Chinese life Kangning regular or Kangning lifelong.

It can be seen that you are insurance conscious at such a young age, such as Corning or Jixing.

As for the dividends of insurance companies, they are based on the profitability of each insurance company, which is dispensable and has obvious uncertainties.

The principle of purchasing insurance is based on social insurance, and it is better to add appropriate commercial insurance as a supplement.

The expenditure of its insurance costs is generally about 10---20% of the annual income, and it is best not to exceed 20%, that is, to use 10% of the funds to preserve 100% of their assets.

For each of us, we should consider health insurance. Directly speaking, as people age, their body's resistance is inversely proportional, and their ability to resist related risks is relatively weak.

Therefore, you must first consider medical insurance, whether it is commercial insurance or social insurance, and then consider other insurance products, so that it makes sense. If you are not healthy, it is impractical to have more pension insurance.

It is recommended that you first purchase the social security launched by the state (preferably if the unit comes forward to purchase it), including cooperative medical insurance, and then consider commercial insurance as a supplement.

Here, I know that in this industry, there are three recognized sentences that say this: "brand in life", "Ping An talents" and "Xinhua products".

Finally, it should be noted that the principle of insurance application is as follows:

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 a lifelong contract, and you can become lifelong happiness if you buy it well, 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) Buy insurance first adults and then children, if adults are not protected, no matter how much insurance children have, it is meaningless, after all, it is adults who pay for children.

Hello, the ** of commercial insurance critical illness insurance varies depending on factors such as product, sum insured, coverage period, policy age, etc. Generally speaking, commercial critical illness insurance, also known as critical illness insurance, usually provides a maximum sum insured of 500,000-600,000 yuan, and the annual cost may be between 8,000 yuan and 10,000 yuan1. If you want to configure critical illness insurance, the ** of 100,000 insurance for a year is almost 1,000 yuan per person; If it is 300,000 yuan insured, the ** of the year is about three or four thousand yuan per capita or hidden 2.

The specific ** also needs to be determined based on the product you choose and the conditions of the consumer insurance application.

You can guess well, the ** of commercial critical illness insurance varies from person to person, and according to the age of the policyholder, physical condition and other factors, the specific ** may be different. Generally speaking, the annual premium is between 1000-2000 yuan, and you can consult the insurance company for details. How to choose commercial critical illness insurance?

1. First of all, you should understand your family economic situation and determine your premium level according to your family economic situation; 2. Determine your own needs according to your own family situation, such as the scope of serious illness insured, the duration of insurance, the proportion of payment, etc.; 3. Compare the products of different insurance companies and choose suitable commercial critical illness insurance such as protection period, insurance amount, and coverage scope; 4. Compare the products of different insurance companies according to your own needs, and choose commercial critical illness insurance with lower premium rates; 5. Determine the commercial critical illness insurance purchased, check the credit and claim rate of the insurance company, and ensure the quality of the insurance products purchased.

Summary. Hello, dear, I'm honored to answer for you! <>

Commercial insurance critical illness insurance 3000 12000 yuan pro. The cost of commercial insurance critical illness insurance** varies depending on factors such as the insurance company, insurance plan, age of the insured, health status, sum insured, etc. Generally speaking, commercial insurance critical illness insurance has a higher premium, but it can provide more comprehensive protection.

Specific** needs to be asked and compared on an individual basis.

How much is the critical illness insurance of commercial insurance.

Hello, dear, I'm honored to answer for you! <>

Commercial insurance critical illness He Hui insurance 3000 12000 yuan pro. The amount of commercial insurance critical illness insurance** varies depending on the insurance company, insurance plan, age of the insured, health status, insurance amount and other factors. Generally speaking, commercial insurance critical illness insurance has a higher premium, but it can provide more comprehensive protection.

Specific** needs to be asked and compared on an individual basis.

There are several factors that affect critical illness insurance**: Age: Generally speaking, the older you are, the higher the premium.

Gender: Premiums are generally higher for men than for women because men are at higher risk of critical illness. Health Status:

If you have a history of certain medical conditions or have a family history of genetic conditions, the premium may be higher. Sum Insured: The higher the sum insured, the higher the premium.

Duration of insurance: The longer the insurance period, the higher the premium. Insurance Company:

For the same insurance product, the premium may be different. Insurance terms: The insurance terms of different insurance products will also affect the premium, such as insurance liability, deductible, payout ratio, etc.

Summary. Dear, <>

I am glad to answer for you, how much is the critical illness insurance of commercial insurance: 3000 12000 yuan. Commercial critical illness insurance can mainly cover many critical, moderate and mild diseases, greatly improving people's risk resilience in terms of critical illness.

The protection of social insurance is not comprehensive, and there are many parts that need to be paid out of pocket, and the insurance benefits of commercial critical illness insurance can supplement this part of the cost.

How much is the critical illness insurance of commercial insurance.

Dear, <>

I am glad to answer for you, how much is the critical illness insurance of commercial insurance: 3000 12000 yuan. Commercial critical illness insurance can mainly protect many critical, moderate and mild diseases, greatly improving people's ability to resist the risk of critical illness.

The protection of social security is not comprehensive, and there are many parts that need to be paid out of pocket, and the insurance Huai Shi empty fund of commercial critical illness insurance can supplement this part of the cost.

The factors affecting the resale of hunger and disease insurance <> mainly include the duration of the Baoling travel disability, age, and the amount of insurance. If the premium budget is relatively sufficient, you can consider buying the sum insured higher, and once the subsequent insurance occurs, the claim you can get will be higher.

Critical illness insurance is a type of commercial health insurance, which is based on the initial diagnosis of a covered disease in the hospital during the insurance period after the waiting period of the insured, and the physical health status of the insured is the subject of insurance. In addition, critical illness insurance is a one-time benefit product, while commercial health insurance also includes small medical insurance, million medical insurance, cancer prevention insurance, etc., which belong to the expense reimbursement type.

Extended information] kindergarten insurance is generally the school insurance, refers to the kindergarten for the commercial insurance company to charge for the student safety insurance, is a kind of accident insurance, can provide children with death, disability, accidental medical and other protection, the need to pay less premiums, the protection content is more comprehensive. This is a group insurance, mainly to protect the personal and property safety of young children, regardless of the accident that occurs outside or in school, to the insurance period as the limit, the insured can be insured if the accident occurs within the scope of the insurance during the period. Although the protection content of the insurance is roughly the same, but the products of each insurance company will be more or less different, the specific amount of insurance and insurance liability of the insured product, parents should learn from the kindergarten, and ask the kindergarten to pay the insurance policy, so as not to know what accidents happen to the child can claim compensation.

Insurance is a Chinese word, pinyin is bǎo xiǎn, English is insurance or insuraunce, the original meaning is safe and reliable protection; It is a tool used to plan life finances, a basic means of risk management under the conditions of market economy, and an important pillar of the financial system and social security system.

Insurance refers to the commercial insurance behavior in which the insured pays the insurance premium to the insurer in accordance with the contract, and the insurer bears the responsibility of compensating the insurance money for the property loss caused by the occurrence of an accident that may occur as agreed in the contract, or when the insured dies, is disabled, sick or reaches the age and time limit agreed in the contract.

From an economic point of view, insurance is a financial arrangement for apportioning the loss of an accident; From a legal point of view, insurance is a contractual act, a contractual arrangement in which one party agrees to compensate the other party for its losses; From a social point of view, insurance is an important part of the social and economic security system, and it is an "exquisite stabilizer" of social production and social life. From a risk management perspective, insurance is a method of risk management.

There are many brands of critical illness insurance, which one is the most suitable? Then it is necessary to consider the following aspects:

1. Insurance costs.

Taking a 30-year-old man in Beijing as an example, assuming that the basic insurance amount is 500,000 yuan, the guarantee is lifelong, and the payment period is 20 years. Then the insurance cost of Hongkang Dora A Critical Illness Insurance is about 10,960 yuan a year; The insurance cost of Anbang Evergain Critical Illness Insurance is 11,325 yuan per year; Sunshine Insurance's Sunshine i-Protector Whole Life Critical Illness Insurance is insured for one year.

2. Cover the types of severe diseases.

In addition to the cost, the type of illness covered by critical illness insurance is also the most important aspect to pay attention to, taking Sunshine Insurance's i-insurance series of critical illness insurance as an example, it contains 100 kinds of critical illness and 20 kinds of minor illness protection, which is a relatively comprehensive protection product in critical illness insurance.

3. Post-service.

Regarding the choice of critical illness insurance, it is recommended that you refer to a few more and make more comparisons. However, Sunshine Insurance would like to introduce you to a Sunshine i-Protect Whole Life Critical Illness Insurance, which may be your "dish".

First of all, as mentioned above, Sunshine i Insurance is more cost-effective than other brands; Secondly, this critical illness insurance includes protection for 100 critical illnesses and 20 minor illnesses, and death is clearly written into the clause, which can be paid if you are sick, and you can inherit wealth if you are not sick; In addition, Sunshine Insurance's critical illness insurance can be insured from 30 days to 50 years old, and one policy is guaranteed for life; Finally, if you suffer from one of the 20 minor illnesses, you can waive future premiums and continue to enjoy lifelong protection.

Sunshine Insurance's i-insurance series of whole life critical illness insurance can be said to meet many people's requirements for critical illness insurance, and has won the love of many netizens.

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