What about Life Corning Critical Illness Insurance? What illnesses are covered by Life Corning Whole

You can see that you are conscious.

Of course, this product is good, but it is not necessarily suitable for self-insurance.

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.

Each of us has worked hard all our lives, for what? In the future, pension, medical care, children's education, etc., but must have a healthy body, smart people know this truth, only the capital to make money, you can make more money, so it is important to buy adequate medical insurance. 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), such as cooperative medical insurance for rural households or urban residents for urban residents, 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) 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 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 the relevant costs for children.

This is a product of Chinese Life Insurance Company, called Corning Term Critical Illness Insurance, which is characterized by cheap premiums, high protection, and return of principal at maturity, suitable for all families and people of every age.

Major illnesses covered by Chinese Life Corning Whole Life Insurance include: malignant tumor, acute myocardial infarction, sequelae of stroke, major organ transplantation or hematopoietic stem cell transplantation, coronary artery bypass grafting, six end-stage renal disease, multiple limb loss, acute or subacute severe hepatitis, blindness, paralysis, severe Alzheimer's disease, severe brain injury, severe Parkinson's disease, severe burns, severe motor neuron disease, severe aplastic anemia, aortic surgery, severe multiple sclerosis.

The basic process of life Corning whole life insurance claim is that after the accident, the policyholder, the insured or the beneficiary shall notify the insurance company within 10 days from the date of knowledge of the insured event and submit the relevant materials. After receiving the materials, the insurance company will make an approval within 5 working days. If it is determined that it is an insurance liability, the liability for paying insurance money shall be fulfilled within 10 days after confirming the amount of insurance money paid with the applicant.

If it is not covered by the insurance liability, the insurance company will issue a notice of refusal to pay the insurance benefit to the applicant within 3 days from the date of verification, and explain the reasons.

The China Life Corning Whole Life Critical Illness Insurance (Zhongxin Edition, Section C) launched by Chinese Life Insurance covers 120 critical illnesses, such as severe malignant tumors, severe acute myocardial infarction, severe stroke sequelae, severe chronic renal failure, etc.; It also provides additional coverage for 15 specific critical illnesses, such as severe chronic renal failure, severe brain injury, severe third-degree burns, severe coronary heart disease, etc.

For those who don't know what diseases are covered by critical illness insurance, you can learn more about them through this in-depth article: What diseases does critical illness insurance cover? If you don't know these, don't buy them randomly!

As can be seen from the figure above, China Life Corning Whole Life Critical Illness Insurance (Zhongxin Version, Section C) covers life, supports people born more than 28 days old and under the age of 55 to apply for insurance, and the payment period can be 10 years or 19 years, and the waiting period is 180 days.

In terms of policy equity, this product supports the conversion of annuity benefits and policy borrowing.

1. Critical illness protection.

After the contract comes into effect, if the insured is diagnosed with the critical illness agreed in the contract for the first time during the waiting period, the insurance company will pay the premium paid if the conditions are met. If the first critical illness agreed in the contract is diagnosed after the waiting period and the claim conditions are met, 100% of the basic sum insured of the contract will be paid (there is no waiting period limit for accidental injuries).

2. Additional benefits for specific critical illnesses.

If the insured is diagnosed with a specific critical illness for the first time during the effective date of the year between the ages of 18 and 70 due to the first diagnosis of the illness after 180 days from the effective date of the contract due to an accidental injury, the insurance company will pay an additional 50% of the basic sum assured in addition to the critical illness insurance benefit.

These additional insurance benefits have the opportunity to make the insured accept better conditions, so this insurance content is more intimate.

3. Death benefit.

In addition to sickness coverage, this product also provides death benefit to the insured.

If the insured person dies before the corresponding date of the year in which he or she reaches the age of 18, the greater of the premiums paid and the cash value will be paid; If the person dies due to illness after the effective date of the year in which he reaches the age of 18 and after the waiting period, the premium paid shall be paid; In the event of death due to circumstances other than the above, the greater of 110% of the premiums paid and the cash value will be paid.

The above is the basic content of China Life Corning Whole Life Critical Illness Insurance (Zhongxin Edition, Section C). If you want to know more details, you can check this article: China Life Kangningbao Whole Life Critical Illness Insurance (Zhongxin Edition, Section C) is coming, an article analysis!

To sum up, the protection of China Life Corning Whole Life Critical Illness Insurance (Zhongxin Edition, Section C) focuses on critical illnesses, and you can choose whether to insure this product according to your own protection needs and financial situation. If you want to know about some critical illness insurance with full protection for critical illness, moderate illness and mild illness, you can take a look at this list: Top 10 Popular Critical Illness Insurance Points Worth Buying!

Chinese Life Corning Lifetime Critical Illness Insurance is the main product of the classic product of Chinese Life, Corning series, with a relatively moderate product design and simple structure, which is in line with the awareness and purchase habits of ordinary Chinese consumers on critical illness insurance, and is suitable for customers who are dependent on the Chinese Life brand. Critical illness coverage: 40 types, 25 line standards, and 15 custom diseases.

The specific covered illnesses are as follows:

1. Malignant tumors; 2. Acute myocardial infarction; 3. Sequelae of stroke; 4. Major organ transplantation or hematopoietic stem cell bureau excavation; 5. Coronary artery bypass grafting (or coronary artery bypass grafting); 6. End-stage renal disease (or chronic renal failure uremia stage); 7. Multiple limb missing; 8. Acute or subacute severe hepatitis; 9. Benign brain tumor; 10. Decompensated period of chronic liver failure; Ten.

1. Sequelae of encephalitis or meningitis; Ten.

2. Deep coma; Ten.

3. Deafness in both ears at a specific age; Ten.

4. Blindness at a specific age; Ten.

5. Paralysis; Ten.

6. Heart valve surgery; Ten.

7. Severe Alzheimer's disease; Ten.

8. Severe brain injury; Ten.

9. Severe Parkinson's disease; Two.

10. Severe burns; Two.

Ten. 1. Severe primary pulmonary hypertension; Two.

Ten. 2. Severe motor neuron disease; Two.

Ten. 3. Loss of language ability; Two.

Ten. 4. Severe aplastic anemia; Two.

Ten. 5. Aortic surgery; Two.

Ten. 6. Severe cardiomyopathy; Two.

Ten. 7. Severe myasthenia gravis; Two.

Ten. 8. Severe multiple sclerosis; Two.

Ten. 9. Severe poliomyelitis; Three.

10. Severe rheumatoid arthritis; Three.

Ten. 1. Severe systemic lupus erythematosus nephropathy; Three.

Ten. 2. End-stage lung disease; Three.

Ten. 3. Severe cloning disease; Three.

Ten. 4. Severe ulcerative colitis; Three.

Ten. 5. Persistent vegetative state; Three.

Ten. 6. Strict and heavy weight insulin-dependent diabetes mellituria; Three.

Ten. 7. Severe coronary heart disease; Three.

Ten. 8. Laparotomy for acute necrotizing pancreatitis; Three.

Ten. 9. Human immunodeficiency virus infection caused by blood transfusion; Four.

10. Severe dementia not caused by Alzheimer's disease.

Critical illness insurance refers to the commercial insurance behavior handled by the insurance company to cover specific critical diseases, such as malignant tumors, myocardial infarction, cerebral hemorrhage, etc., and when the insured suffers from the above-mentioned diseases, the insurance company will provide appropriate compensation for the medical expenses spent. Busy work and fast-paced modern life can be physically and mentally exhausting. Illness is no longer an accident, but a cost that must be calculated in everyone's life.

Chinese Life's critical illness insurance has provided the most timely and powerful support to countless families for more than a decade to help them tide over difficulties. Among the clients I serve, the most people have this type of insurance! China Life Corning Lifetime Critical Illness Insurance, a classic in the Chinese Life Health Insurance family.

Up to 20 critical illnesses for you and your family are covered to take care of your and your family's health. Make it easy for you to live life to the fullest. Coverage:

Anyone who is more than 30 days old, under the age of 65, and in good health can be insured. The applicant or a person who has an insurance interest in the insurance shall apply for this insurance from the Company as the policyholder. Period of Insurance:

The insurance period of the contract is from the date of entry into force of the contract to the date of termination of the contract. Payment method: The payment period for installment payment of insurance premiums is divided into 10, 20 and 30 years, which are selected by the policyholder when applying for insurance.

Insurance case: Mr. Wang, 30 years old, insured China Life Corning Lifetime Critical Illness Insurance with an insurance amount of 100,000 yuan, and chose to pay for 20 years, with an annual premium of 8,700 yuan, and can get the following protection: 1Critical Illness Benefit:

After 180 days from the effective date of the contract, if the insured suffers from the critical illness (regardless of one or more) referred to in the contract for the first time and is clearly diagnosed by a specialist, the company will pay the critical illness insurance benefit of RMB 300,000 and the contract will be terminated. 2.Death Benefit:

If the insured dies, the company will pay the death insurance benefit of 300,000 yuan, and the contract will be terminated. You can add hospitalization medical insurance and hospitalization allowance insurance to make the coverage more comprehensive! Among the many clients I serve, the number and number of such insurance claims are the largest!

In the above case, if you apply for hospitalization medical insurance and hospitalization allowance insurance, and the insured amount is 20,000 yuan respectively, the annual premium is 380 yuan in total, and you can enjoy the following rights:1Inpatient medical expenses will be reimbursed at a rate of 75%, with a maximum of 20,000 yuan per year; 2.

Hospitalization allowance, for each day of hospitalization, the subsidy is 200 yuan, and the maximum subsidy can be 100 days per year, that is, the maximum subsidy is 20,000 yuan per year.

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