Taikang Life Free Upgrade Insurance, Taikang Life Critical Illness Insurance Free Upgrade What s goi

Whether the insurance can be upgraded for free depends on the regulations of the insurance company. Generally speaking, after the customer has purchased insurance and signed an insurance contract, he cannot change the type of insurance at will. After the insurance is purchased, the liability cannot be changed casually, but the preservation can be requested to increase or decrease the sum insured, and the additional insurance is within the limit of the sum insured, and it can generally be changed.

Once the commercial insurance is effective, it cannot be converted to another type of insurance, even if the insurance company upgrades the policy, it will only upgrade the rights and interests of the existing policy, but will not be replaced with other types of insurance, unless the policy is surrendered or the contract is terminated and re-insured. The type of insurance of any insurance company cannot be converted, and the so-called convertible is to buy another insurance after surrendering the policy.

Before August 2016, Taikang Life Insurance Company's medium and long-term critical illness policies with less than 42 types of critical illnesses could be upgraded to 42 types of free of charge.

You can contact the ** person around you to upgrade.

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

1 In all, the main insurance of Taikang Life Critical Illness Insurance is Taikang Life Whole Life Insurance (Participating) Supplementary Insurance, which is Taikang Additional Healthy Life Whole Life Critical Illness Insurance. The main insurance is participating insurance, and the additional insurance is critical illness insurance. It integrates protection and financial management.

Generally speaking, the insurance surrender will suffer certain economic losses, and it is very important to handle the surrender according to the steps and processes. Generally speaking, according to the specific surrender method, the materials that need to be prepared for insurance surrender are also different, as follows: The basic process of insurance surrender and the materials to be prepared:

1. Go to the business hall in person. The materials include: surrender application, ID card of the policyholder, copy of bank card, policy and insurance premium invoice.

2. Entrust the salesman to the business hall to handle it. Materials include: surrender application, power of attorney, ID card of the policyholder, copy of bank card, insurance policy and insurance premium invoice.

3. Call the service of the insurance company** and provide personal information to surrender the policy. Surrender is the next policy for policyholders, and it is also the most costly option, so do not choose to surrender unless you encounter great financial difficulties and paying premiums has become a great burden.

1. Flexible insurance rules.

In addition to the 30-year insurance period, if you want to have a longer insurance period, you can also choose to 70 80 90 years old, which can meet the needs of most people. In addition, the purchase of True Guardian can not only choose to pay in a single payment, but also 6 options for term payment, the choice is flexible and diverse, and the policyholder can choose the most suitable option for himself to the greatest extent.

2. Increase protection for specific diseases.

True Guardian has added 6 specific diseases to the coverage, which means that if the insured is diagnosed with 6 specific diseases specified in the contract, the insured will receive twice as much compensation as before, so that even if the insured suffers from a special disease, this amount can become a strong support.

3. Have survival insurance money.

There is also the guarantee responsibility of "survival insurance money" in True Guardian, which means that when the insurance contract expires and the insured is still alive, he can get the insurance company to pay the survival fund [(paid insurance premium + effective insurance amount) * 125%].

In addition to the advantages mentioned above, you can't miss these shortcomings of True Guardian!

1. There is no protection for moderate illness.

Nowadays, the better critical illness insurance will include complete protection for mild, moderate and critical illnesses in the terms of the contract, which can better protect the insured. Surprisingly, True Guardian lacks the protection of moderate illness, and if it is unfortunately diagnosed with a moderate disease, it can only be paid according to the mild illness, and the low sum insured is likely to lead to the final difficulty in paying ** expenses.

2. The protection of mild symptoms is not strong.

In terms of the old definition of critical illness, some high-quality products can pay 40%-50% for minor illnesses, but only 20% for minor illnesses of Taikang True Guard. Even if the number of payouts is 5 times, the chance of being diagnosed with 5 mild symptoms is too low. Therefore, the protection of mild illness of True Guardian is still relatively weak.

Looking at **, it can be seen that the death benefit of Taikang Life True Guardian takes the "age of death" as the boundary of dividing the compensation ratio, and the age group that can get the maximum amount of compensation is 18-40 years old, which is 160% of the basic sum insured stipulated in the contract; When the age increases to 41-60 years old, the payout ratio will also decrease to 140%. For the vast majority of people, before the age of 60, they will still be an important breadwinner of the family, and they will naturally need more money to maintain the normal life of the family.

With the development of society, people's living standards are getting higher and higher, in order to meet the needs of the market, Pacific Insurance Company usually upgrades its own critical illness insurance products on the original basis, and for the holders of the old version, usually Pacific Insurance will give the privilege of respecting and upgrading, but whether to upgrade or not, this is based on their actual situation, and not necessarily the upgraded version is suitable for everyone. When considering whether to upgrade, it is recommended that you focus on the upgraded protection content, exemption clauses and premiums and other factors, and consider the penetration of the comprehensive fiber draft. Destroy the spine

With the development of society, people's living standards are getting higher and higher, in order to meet the needs of the market, Pacific Insurance Company usually upgrades its own critical illness insurance products on the original basis, and for the holders of the old version, usually Pacific Insurance will give the privilege of upgrading, but whether to upgrade or not, this is based on their actual situation, not necessarily the upgraded version is suitable for everyone. When considering whether to upgrade, it is recommended that you focus on the upgraded protection content, exclusion clauses and premiums and other factors, and then consider the upgrade.

Critical illness insurance, as the name suggests, is to take the physical health of the insured as the subject of insurance, when the insured suffers from a critical illness within the scope of the contract, the insurance company will give the corresponding insurance payment according to the relevant provisions of the insurance contract if it determines that the situation meets the compensation requirements. Critical illness insurance has a wide range of coverage, usually including critical illness, moderate illness and mild illness. However, there are more and more unique critical illness insurance products on the market, and many of them will come with some creative terms and optional benefits to meet the diverse needs of consumers.

The main content of social security:

Endowment insurance: endowment insurance is a social insurance system in which workers receive certain economic compensation and material help and services from the society after reaching the statutory retirement age;

Recently, Li Jinghu, deputy secretary-general of the China Medical Insurance Research Association and deputy director of the Social Security Research Institute of the Ministry of Human Resources and Social Security, said that private medical institutions are treated equally, and are included in the designated scope of basic medical insurance according to certain conditions. The basic medical insurance system for urban workers is a social insurance system established to ensure the basic medical needs of employees based on the affordability of finance, enterprises and individuals.

Work-related injury insurance: Work-related injury insurance is also known as occupational injury insurance. After a worker is injured in an accident due to work reasons and in the course of work, or suffers an occupational disease caused by exposure to occupational hazards such as dust, radiation, and toxic substances, the State and society shall provide necessary material assistance to the injured or disabled person, as well as the relatives of the deceased person who supported him before his death;

Unemployment insurance: Unemployment insurance is a system of return to the government that is enforced by the state through legislation, established by the society in a centralized manner, and provides material assistance to workers whose lives are temporarily interrupted due to unemployment;

Maternity insurance: Maternity insurance is based on the physiological characteristics of childbirth behavior, according to the law of maternity insurance, when working women temporarily interrupt work and lose normal income due to the birth of children, the material assistance provided by the state or society. Maternity insurance benefits include maternity allowance and maternity medical services.

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

After understanding, the senior sister found that the performance of Taikang Life's "Kangle Lifetime Annuity Insurance Product Plan" was relatively good. The relevant information about this product, the senior sister has been sorted out in this link, interested friends can take a look:Is Taikang Kangle Lifetime Pension Insurance High Yield?

A must-see before you buy!

Let's introduce this product to you, let's take a look at its security map first:

1. Analysis of insurance conditions.

As can be seen from the figure above, the Recreation Lifetime Annuity Insurance Product Plan supports people aged 30 days to 64 years old. Secondly, the insurance period of this product is up to the age of 105, so it is more suitable for people who want long-term protection.

In terms of payment period, the Recreation Life Annuity Insurance Product Plan not only supports single payment, but also sets a variety of annual payment terms.

If you have loose money, then it is more appropriate to choose a single sex. All other things being equal, the total premium required for single payment is less than that for annual payment, which is relatively cost-effective.

2. Analysis of guarantee content.

The Recreation Life Annuity Insurance Product Plan provides protection for survival insurance benefits and death insurance benefits. The survival insurance benefits are guaranteed for 20 years or 30 years.

The advantage of supporting the guarantee is that when the insured dies during the guarantee period, the insurance company will pay the remaining unclaimed survival insurance benefits to the beneficiary in a lump sum, which is very intimate.

The above is the introduction of the Youhui Service Recreation Lifetime Annuity Insurance Product Plan, in general, the performance of the Shenyao product is still very good, and it is very worthy of everyone's choice.

But if you still want to compare other products, you can also take a look at this list of senior sister Quanbi Douli, which are all products with high returns at present:Top 10 Annuity Insurance Rankings Want to buy high-yield annuity insurance? Don't miss out on these 10 again!

Hope.

Taikang Life Insurance is a subsidiary of Taikang Insurance Group. Founded in 1996 with a registered capital of 3 billion yuan, Taikang Life Insurance has set up 35 branches in Beijing, Shanghai and Guangdong. Taikang Life's core solvency adequacy ratio in the third quarter of 2022, comprehensive solvency adequacy ratio, and risk rating in the second quarter of 2022 are BB, which are very good in terms of background and solvency.

If you want to know more about it, you can read this article:Is Taikang Life reliable? What about these products?

There are many endowment insurances under Taikang Life, such as Happy 100-year-old Pension Blind Insurance (Dividend), Stable Profit Companion Pension Insurance, Taikang Years Pension Insurance Product Plan, etc., which cannot be listed one by one. The senior sister will take the Taikang years pension insurance product Lu Ku stupid plan as an example to briefly explain. This product plan is mainly a combination of annuity insurance + universal life insurance.

It mainly provides survival money, death money, universal account can choose the lowest guaranteed interest rate or, in addition to the policyholder exemption, interested partners can read this article to understand:Taikang years have about the real income of annuity insurance**, how much can you earn in a year?

After understanding these, we also need to pay attention to a few details when buying annuity insurance. For example, the exemption clause is the scope of the insurance company's exclusion, and when it comes to the exclusion clause, it is generally not claimed, so the fewer the exemption clauses, the better. Another example is dividend-paying annuity insurance, it should be noted that dividends are uncertain, dividends are the insurance company will distribute the distributable surplus of the previous fiscal year's dividend insurance business to customers, and the insurance company does not guarantee that there will be dividends every year, so this income is unstable.

Hope.

Hello, I'm honored for your question It is a combination of Taikang Life's Xinrui Life + Zuntong Luxiang Medical Insurance, which is renewed to the age of 99 hospitalization medical insurance responsibility, which is a natural rate, consumption-based, deductible limit, divided into social security, non-social security two rates, two types of claims results of hospitalization medical insurance. Taikang Life enjoys exclusive hospitalization medical insurance, which becomes zero deductible after the social security reimbursement of 10,000 expenses, and there is no online requirement for the number of days of hospitalization in the whole year, and there is a limit on the amount of lifetime insurance. Taikang Life enjoys an annual reimbursement of 500,000 yuan and a lifetime reimbursement limit of 3 million, and only 30 days of ultra-short waiting period, breaking through the social security reimbursement catalog, with a relative deductible of 10,000 yuan.