Can you buy Chinese life accident insurance by installing air conditioners How much does it cost

Is Chinese Life a big company, unreliable? Uncover the truest side of Chinese life:"Whether Chinese Life Can Bear the Banner of "National Life", One Article

The installation of air conditioners belongs to the outdoor high-altitude installation workers, which belongs to the occupation with a high risk factor in the occupational classification of Chinese Life, so you can select products in a targeted manner when you buy accident insurance, and the premium is also different for each product, so you should do a specific analysis. But buy insurance must not blindly choose a large company, Chinese life is famous, the product must be cost-effective? Let's first look at the in-depth evaluation of Chinese's life:

Chinese Life (also known as China Life), established on October 20, 1949, headquartered in the capital Beijing, is a state-owned super-large financial and insurance enterprise, one of the four major central enterprises.

First, what is the comprehensive strength of Chinese life

Latest registered capital:28.2 billion

July 2019,Chinese Life "Fortune Global 500" ranked 51stThis is the 17th consecutive year that Chinese Life has been included in the list since 2003.

Chinese Life's total life insurance premium income in 2019 was 100 million yuan, the highest premium income in the country.

In general,Chinese Life has abundant funds, high national recognition, firmly sit in the position of the big brother of the domestic insurance industry!

2. Introduction to solvency

Solvency refers to the ability of an insurance company to fulfill all contractual obligations at any given time, reflecting the relationship between assets and liabilities, and the higher the solvency, the less likely the company is to fail.

The latest comprehensive solvency adequacy ratio announced by Chinese Life is as followsThe comprehensive risk rating was A, far exceeding the passing mark set by the China Banking and Insurance Regulatory Commission, and the performance was excellent. So in addition to Chinese Life, which other insurance companies have the solvency to meet the standard? You can read this:

"The 2020 solvency ranking is newly released, who can [lose]".

Third, what are the products of Chinese Life

The main types of insurance of Chinese Life include critical illness insurance, life insurance, medical insurance, accident insurance and other life insurance, financial management annuity insurance, universal insurance are covered, and the more popular products are: China Life Fu series, Corning series, Fulu Xinzun, etc., you can see these products sorted out:

Chinese life insurance value is not worth buying, it depends on the specific product, take its popular critical illness insurance "China Life Fu series" as an example, although the protection is sufficient, but the cost performance is low, if you want to know more, you can poke here:

"To buy or not to buy the national life of Chinese life? I'll give up after reading this".

And everyone pays more attention to the annuity insurance "Fu Lu Xinzun", which is limited in space, and I also evaluate it here:"Fu Lu Xinzun, who everyone robbed like crazy back then, why do so many people say pit now? 》Hope!

Professional analysis: For special staff, you can buy insurance, but there are fewer types, there are consumption and savings, ** the difference is large, each kind of premium to be paid is related to the amount of the insured to protect the insured - the best insurer Cheng Cheng.

Air conditioning installation includes high-altitude work, which requires exclusive accident insurance. Online processing, cost-effective, large brand companies can be insured. Professional consultation handling point, I contact or insurance Ye Junshuai

It depends on what insurance you buy, I also install air conditioners to repair air conditioners.

Air conditioning installation includes high-altitude work, which requires exclusive accident insurance. The premium is cheaper than offline for online processing. Professional consultation handling point, I contact or insurance Ye Junshuai

The installation of air conditioning involves working at height, which is a dangerous occupation, and accident insurance is related to the occupational category, and the amount of insurance, for example.

Office staff have a low risk factor, low premiums, and high sum insured.

If the risk factor of aerial work is high, the premium is high, and the sum insured is limited.

Hello, the ordinary accident compensation is 100,000, if your job is to install air conditioners, it is recommended that you attach an accident insurance arranged according to your type of work.

You can take out ordinary accident insurance instead of a million-dollar Anxing.

That one doesn't work, it's a traffic accident. You can buy Chinese life 60 yuan a year to cover 100,000 accidents and 10,000 accidents medical accident insurance.

No, you're talking about the Pacific Anxing Insurance, which has an accident insurance of 1 million, but only covers death or total disability in a traffic accident, and 10 insurance for ordinary accidental death or total disability

Yes, it's just that what you said is an ordinary accident, and it will be insured for 100,000 yuan.

You can buy an accident card with 100 yuan protection.

No, it's just limited to sitting, driving, cycling, airplanes, ships, and the eight natural disasters.

。Founded in 1991, CPIC has been selected as one of the world's top 500 companies and is the big brother of the insurance industry. Regarding the Pacific Insurance Company, I analyze it from the following three questions::

1.Compared to other companies, are Pacific Insurance's products worth buying?

Fuyou Ankang, Jinfu Life, Jixiangbao D, Caizhi Win-Win, Happy Million, etc. are popular products of Pacific Insurance, and I have sorted out the evaluation and analysis of these products in this article:"Seven Products Worth Buying for Pacific Insurance".。Friends who are keen on this company in the Pacific can take a look.

2.What is the level of Taiping Insurance's service in the same industry?

In order to give everyone a standard, the China Banking and Insurance Regulatory Commission (CBIRC) rates the service according to indicators such as claims service, how many complaints, and business processing speed, with the highest level being AAA and the lowest being D.

The service ratings of Pacific Insurance are as follows:

Pacific Life is rated AA, and no company has achieved AAA rating for the time being. However, the rating changes from year to year, and the situation is different from year to year.

3.Is Pacific Insurance reliable?

Friends who are worried about the unreliability of the insurance company are still concerned about the claims after buying the insurance. This is simple, and the higher the ranking company in the same industry, the more reliable it must be. Earlier I compiled a following:

Top 10 insurance companies** points! You can see which companies are going beyond Pacific Insurance.

That's all for me"Can China Pacific Insurance Personal Accident Insurance 1 million insurance install air conditioners? "

Hello. There are two options:

1. Personal accident insurance can be purchased for everyone, but the disadvantage is that the rate of occupational category is higher, and there is no way to replace people in industries with large personnel mobility.

2. Group accident insurance can be insured

Take my company's group accident insurance as an example:

First, the advantages of insurance.

1.The group insurance rate is preferential, 100,000 accidents, 10,000 accidents for medical treatment, and only 180 yuan a year for a class of occupations.

2.80% of the personnel can be transferred free of charge within one year, and the number of people can be increased or decreased at any time, which is suitable for units with relatively large personnel turnover.

3.100% reimbursement of accidental medical expenses.

4.Regardless of time and place, we give round-the-clock care to the world.

2. Group accidents.

Death from Accidental Injury – Death Benefit.

Accidental Injury Disability – Total Disability or Disability Benefit.

Death benefit = sum insured.

Disability insurance benefit = sum insured disability ratio.

3. Additional accidental medical treatment.

For the first fee, examination fee, surgery fee, and medicine fee paid due to accidental injury, the compensation ratio for medical and medical expenses of more than 100 yuan in an accident shall be compensated according to 100.

Note: 1. It should be in a public hospital at or above the county level or a medical institution recognized by the insurer**.

2. The fee for each accident door and emergency examination is limited to 300 yuan.

Fourth, the insurance procedures.

1. Group insurance policy, stamped with official seal.

2. A list of names, including the name, gender, and ID number of each insured, and affix the official seal.

3. If there are more than 20 insureds, an electronic list of names must be provided.

It is definitely the most suitable group accident to buy for employees, and it can be replaced if there is a worker who leaves.

Air conditioning is divided into outdoor installation and indoor installation, and each company has different positioning of occupational level.

In our company (PICC) indoor installers belong to 4 categories of occupations, 6 outdoor categories, and 6 categories are the occupations that are allowed to be covered with the highest risk.

Our company can be insured by more than 5 people group accident insurance, according to 100,000 yuan accident, 10,000 yuan accident medical this insurance amount reference, 4 types of personnel costs about 220 yuan per person-year, 6 types of words to inquire separately, if the number of people is too small, it may be refused.

It is advisable to consult some small insurance companies, which are relatively acceptable.

Also pay special attention to the deductible and exclusion clauses.

Group accident insurance, if the number of people is relatively small, you can only buy card business.

The specific situation should be determined according to your actual situation, such as the number of people, the classification of occupations, and the amount of money you intend to invest.

People who travel a lot want to buy a Chinese life insurance accident insurance.

Hello, the specific amount of compensation is determined according to the insurance contract, generally speaking, the higher the amount of insurance, the higher the amount of compensation.

Of course, accident insurance does not cover all accidents, so click here to find out what it covers. 《What is included in accident insurance? These common accident insurance companies do not pay

You have to see which insurance you are insuring, what its insurance responsibilities are, not necessarily pay more money, and pay more when you pay.

China Life's accident insurance is 100 yuan per piece, and each person can only buy a maximum of 2 pieces per year, that is, 200 yuan.

Coverage: 0 years old to 65 years old Insurance period: 1 year Insurance liability: accidental injury (death, disability), accidental medical treatment, accidental hospitalization fixed amount products and liability Sum insured Premium rate.

China Life Luzhou Accident Injury Insurance - Accidental Injury (Death, Disability, Burns) 50,000 China Life Additional Luzhou Accident Expense Compensation Medical Insurance - Accidental Medical Treatment 10,000 China Life Additional Luzhou Accidental Hospitalization Quota Medical Insurance - Accidental Hospitalization Quota 30 If the insured has participated in publicly-funded medical treatment and social medical insurance, the accidental medical deductible of this card is 80 yuan, and the payment ratio is;

If the insured does not participate in publicly-funded medical treatment and social medical insurance, the deductible for accidental medical treatment of this card is 100 yuan, and the payment ratio is.

This one is not fixed.

Depending on which one it is, it will also affect the individual's situation.

For example, high-risk occupations will be different from ordinary occupations.

It is related to the age and occupation of the sum insured, and the premium needs to be calculated.

OK. When applying for accident insurance, you need to pay attention to:

1. Buy enough insurance to give sufficient compensation in the event of accidental death or disability.

2. Pay attention to the exclusion clause, some accident insurance does not cover falls from a height of more than 10 meters, food poisoning, altitude sickness, and heat stroke.

3. Pay attention to the type of occupation. Accident insurance covers occupational requirements, such as occupations 1-3 or occupations 1-6, and individuals should pay attention to whether they meet the occupational requirements if they are engaged in high-risk occupations.

4. Pay attention to the requirements of the hospital for accident medical insurance. Usually, it is necessary to go to a public hospital above the second level for accidental treatment, but some companies specifically stipulate that hospitals in a certain area do not pay compensation.

Accident insurance is a kind of life insurance, accidental injury and death, disability or outpatient, inpatient medical treatment, etc. can be claimed through accident insurance, the insurance companies on the market for the characteristics of students also launched personal accident insurance, the most common type of insurance is the study of flat insurance.

Of course, accident insurance can be bought separately, but in order to build comprehensive protection, Daddy recommends that it be combined with four major types of insurance, namely life insurance, accident insurance, medical insurance and critical illness insurance.

Next, Daddy will introduce you to how to choose accident insurance, before that, Daddy shared a list of the latest accident insurance products for your reference "April Accident Insurance List, which accident insurance is worth buying?" 》

1. What should I pay attention to when buying accident insurance?

1.Pay attention to the cases where you will not be compensated.

When we apply for personal accident insurance, we should pay attention to the circumstances under which it will not be compensated, so as not to cause claims disputes.

For example, it is often said that sudden death is not compensated.

Sudden death is death caused by illness and does not meet the definition of accident and is not covered by personal accident insurance.

2.Occupational restrictions.

Personal accident insurance is subject to occupational restrictions, generally only covering 1-4 categories, dangerous occupations such as firefighters, criminal police and other high-risk occupations can not be bought under normal circumstances.

3.Priority is given to one-year, consumption-based accident insurance, and try not to choose long-term, return-based accident insurance.

Generally, the premium of accident insurance does not change with age, and it is appropriate to buy personal accident insurance every year.

4.Pay attention to whether the disability benefit is based on the level or only the total disability.

A good accident insurance should include total disability and disability payouts.

If the accident insurance pays according to the disability level and the total disability benefit, whether we suffer an accident resulting in total disability or disability, we can get a good protection.

5.Beneficiary.

For the beneficiary of accident insurance, Daddy recommends that it be better to fill in more than 2 people.

If only one beneficiary is filled, if the insured and the beneficiary die at the same time, the insurance money can only be inherited by the legal heirs, which is more likely to cause disputes.

Yes, accident insurance can be purchased separately in any life insurance company, but since you want to insure yourself, the advice of experts is to consider a comprehensive protection plan, unless you have limited financial means, I never recommend that my clients only take out a separate accident insurance, here is a brief introduction to some basic knowledge of insurance, I hope it can help you. A good insurance policy must vary according to the needs of the individual, but generally considering an insurance plan should be planned from the following aspects: 1. The premium should be reasonable (will not cause burden) The annual premium should be controlled at 15 20% of the annual income (salary, bonus, interest or investment income, etc.).

2. The sum insured should be sufficient Life insurance is about 5 times the annual income, and accident insurance is about 5 times the annual income. Often, people between the ages of 30 and 55 are most in need of adequate security so that their families can maintain their standard of living for the next five years in the event that they are incapacitated. 3. Comprehensive protection Insurance must be comprehensive, including life insurance, accident insurance, medical insurance, critical illness insurance, etc., so that you can truly have no worries.

Many people say that the insurance is not good, or that they have been deceived by the insurance company, mainly because the customer does not know which insurance they have taken out. When something goes wrong, you find that the insurance you are participating in lacks this protection, and when you need help the most, the insurance does not play its due role. Participating in life insurance is like buying a house, and participating in accident insurance (accidental injury and accidental medical treatment) and medical insurance (critical illness, hospitalization allowance, surgical allowance, hospitalization expense compensation) is like buying furniture.

Participating in life insurance without accident and medical insurance is like buying a house without a TV, air conditioner, etc., and of course you can't enjoy watching TV and air conditioning! Fourth, the whole family is covered All members of the family participate in insurance. The focus is on the main financial leader of the family.

The child's laisee money is used to participate in insurance, which can not only enjoy a small protection, but also prepare him for education**, marriage**, entrepreneurship**, and can also cultivate his concept of financial management from an early age. Participating in insurance for young adults is a commitment of love to their families and preparation for their future retirement. I am a professional life insurance consultant, I am very happy to provide you with more free consultation and services, and I look forward to further communication with you.