How to calculate the insurance amount of Taikang Insurance Universal Insurance?

The sum insured, also known as the sum insured, is calculated based on factors such as the age and gender of the insured.

At the same time, IMHO, do you personally understand universal insurance? Do you know how much money you need to pay and how much you can receive in the future? and other vital interests, these issues you must care about.

Universal insurance is suitable for people who are wealthy and ready to pay for life.

Universal insurance, including the universal insurance of all insurance companies, is divided into two parts: regular payment and retroactive payment, and the retroactive part is rewarded with a certain percentage, which is a lifelong payment, not paid for 3 years or 10 years.

Speaking of universal insurance, is universal insurance really universal? Is it really the same as it says? It is said that the insurance is flexible to pay, and it can be paid for three or five years, but there is no such thing as insurance, why?

In other words, if the payment is flexible, it is not insurance, but should be called saving money, to the bank survival period, want to save it, don't save if you want to, save for three years if you want to, save for five years if you want to save for five years, this is called flexibility. As you know, there is no such thing as a free lunch.

Have you heard that the freedom to receive and the receipt of insurance are completely different from those of banks? Insurance cannot be withdrawn casually, and there will be a loss in expenditure, but the deposit can be saved if you want to be saved, and you can withdraw it when you want, which is more flexible.

Universal insurance, if you have prepared sufficient remaining funds, you can consider insurance; If not, be cautious, otherwise you will end up thinking that "insurance is a lie".

According to the agreement of the insurance contract, the sum insured is adjustable.

The interest rate of different products will also be different, such as: 1. Taikang Wangcai.

No. 1 Land Occlusion Annuity Insurance.

Magnum) - the daily settlement rate is etc.

1. Taikang Life Insurance.

It is a national joint-stock life insurance company approved by the head office of the People's Bank of China, from the Insurance Regulatory Commission.

According to the original insurance premium ranking released from January to May 2017, Taikang Life Insurance ranked seventh in life insurance with an original premium income of 10,000 yuan. Of course, the universal insurance premium is also included in the original premium, Taikang Life universal insurance interest rate Taikang Life universal insurance interest rate is mainly based on the product to distinguish, different product interest rates will be different, such as: 1, Taikang Wangcai No. 1 Annuity Insurance (universal type) - the daily settlement interest rate in June 2017 is, which is equivalent to the annualized settlement interest rate.

2. The interest rate of Taikang Life universal insurance is as follows: The interest rate of Taikang Life universal insurance is mainly differentiated according to the product, and the interest rate of different products will be different, such as:

1) Taikang Wangcai No. 1 Annuity Insurance (Universal) - The daily settlement interest rate in June 2017 is, which is equivalent to the annualized settlement interest rate.

2) Taikang Additional e-Shun Life Annuity Insurance (Universal) - The daily settlement interest rate in June 2017 is, which is equivalent to the annualized settlement interest rate.

3) Taikang Wangcai No. 1 Section B Mutual Insurance (Universal) - The daily settlement interest rate in June 2017 is, which is equivalent to the annualized settlement interest rate.

4) Taikang Wangcai No. 1 Liangquan Insurance (Universal) - The daily settlement interest rate in June 2017 is, which is equivalent to the annualized settlement interest rate.

5) Taikang Group Annuity Insurance (Universal) - The daily settlement interest rate of early closure in June 2017 is, which is equivalent to the annualized settlement interest rate.

6) Taikang e-Wealth Management Type B Whole Life Insurance.

Magnum) - The daily settlement rate for June 2017 is, which is equivalent to the annualized settlement rate.

Extended Information:1Taikang Insurance Group shares****.

Founded in 1996 and headquartered in Beijing, it has developed into a large-scale insurance and financial services group covering three core businesses: insurance, asset management, and medical care.

and other subsidiaries. The business scope comprehensively covers life insurance, Internet property insurance, asset management, and enterprise annuity.

Occupational pension, medical pension, health management, commercial real estate and other fields.

Summary. Hello, dear, compensation will be made within the sum insured of 60,000 yuan, excluding the amount of medical insurance reimbursement claims, and the deductible of 10,000 yuan.

Taikang universal insurance amount is 60,000 yuan, how to calculate critical illness? How does it pay?

Hello, dear, compensation will be made within the sum insured of 60,000 yuan, excluding the amount of medical insurance reimbursement claims, and the deductible of 10,000 yuan.

The remaining amount can be fully claimed.

When you are out of insurance, you should first notify the insurance company of the insurance company and know the specific situation.

After the medical treatment is over, you can apply to the insurance company with the claim materials.

The general claim materials include: having a Chi Chan valid identity document; Insurance contract or electronic insurance policy number; Accidental hospitalization medical insurance Doudan principal fund application; Admission records; Discharge summary or discharge diagnosis certificate; Original voucher for inpatient medical expenses; Settlement details (refers to the details of the cost of each empty item per day during the hospitalization) and prescriptions, etc.

Hello I am happy to serve you, the value of the universal account means: in the universal insurance, there will generally be a universal account, which belongs to the savings account, and a certain amount of protection costs will be deducted every month, and the insurance company will make a secondary investment, and the interest generated by the investment will enter the universal account. Or the insured according to the insurance contract Tongmu belt agreement, in the specified period of time to receive a survival insurance, annuity, etc., if the Nai Zuguo insured does not receive, you can also put the money into the universal account for compound interest and interest increase, and these into the universal account of the money, is the universal account value.

Hope mine is helpful to you.

Taikang Life Universal Account is the personal account of the customer after purchasing Taikang Life Universal Insurance, and the specific plan of this insurance is as follows:

1.Take an annual deposit of 6,000 yuan for 10 years as an example, it can take effect after 24 hours, and you will immediately have a value of 100,000 yuan;

After the critical illness benefit takes effect, you can have a critical illness benefit of 80,000 yuan; High interest accounts that take effect immediately after the hours of bumping, including:

1) Exemption from interest tax;

2) Calculated on a daily basis, settled on a monthly basis, rolling 12 times in 1 year (compound interest);

3) Increase the ongoing bonus in the 5th year;

4) Lifetime account, no division, no seizure, no freezing, no tax;

5) You can recover your account at any time (deposit money into your account at any time, similar to depositing money in the bank);

6) Partial claim is available in the 5th year.

7) After the 11th year, you can receive the annuity (annual, monthly, and lump sum).

For example, a 0-year-old child saves 6,000 yuan per year for 10 years, with a total of 60,000 yuan, and the income is as follows: at the age of 15, the hail in the account is 10,000 yuan; At the age of 20...

100,000 yuan; At the age of 30... 180,000 yuan; At the age of 50... 560,000 yuan; At the age of 70...

1.72 million yuan; At the age of 80... 3.02 million yuan;

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

Introduction to Taikang Universal InsuranceTaikang Universal Insurance does not have red cong rotational interest, only monthly income. After deducting the initial fee, protection cost, and contract custody fee, the premium paid will be entered into the investment account (policy account value), and the insurance company will settle the policy account value every month, and announce the settlement interest rate of the current month (current quarter), that is, the settlement will be made once a month. Taikang universal insurance inquires about the three effective ways of Zheng Dazhong:

1) Call Taikang's national customer service at 95522 to inform them of your policy number and check the account value; (2) Log in to the e-station to inquire about the value of the policy account at home, the specific steps are: log in to the official ** of Taikang Life Insurance Company, and then enter the customer service --- inquiry service --- policy inquiry; (3) Visit the new life square of the local Taikang Life Insurance Branch and other channels for inquiry.

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

Hello: It is impossible to multiply several times in 10 years, and the income of universal insurance is basically about 5% per year, you can calculate it yourself.

Protection and financial management are suitable for both. Taikang Life's universal insurance pays 3,000 yuan a year, and it costs more than 3,400 yuan when you reach the age of 30. From the date of application, 20 times the death benefit of 6,000 yuan and the critical illness benefit of 5,000 yuan.

If it's really good for you, can those people's IQ be worse than you, and they still need to sell you everywhere?

Universal insurance payment is lifelong, the deduction is also lifelong, and the annual deduction amount is with age**, which increases rapidly!

At the same time, universal insurance has a guaranteed interest rate, Ping An has a guaranteed interest rate, and other insurance companies are!

Buying Magnum must be noted:

1. Not suitable for people around 50 years old or above.

2. Based on the contract, the guaranteed interest rate shall not be lower than the bank interest rate.

3. The company has a long-term and stable income, and the investment income is high or low 4. The annual premium should be in line with their own financial ability and controlled at 10-15% of the annual income 5. The controllability of universal insurance is extremely poor and the cost is extremely high, so it is recommended that the payment age is more than 10 years 6.

Taikang Life's universal insurance is not as much as this salesman said, it can be multiplied several times, this is impossible, because universal insurance has an initial cost, if you buy it from a bank clerk, the initial cost is 9%, and every time you pay 9% of the premium, and there is no value protection, but if you buy it from a personal insurance salesman, the initial cost is much higher in comparison, and there is an initial cost of 50% in the first year, that is, a premium of 3000, You deducted 1500 yuan in the first year, and then the universal insurance has a policy management fee of 5 yuan per month, and 60 yuan a year is also to be deducted, secondly, if you choose death protection and critical illness protection, it is also necessary to deduct money according to your age corresponding to the month, this money is as your age grows, the more you pay the initial cost of universal insurance, the second year will only deduct 25% of your payment of 3000, as long as you pay money, universal insurance will deduct your initial cost, Policy management fees and protection fees, and according to the universal insurance that Taikang is now selling, you should be required to pay a fee for ten years, that is to say, if you can't pay the fee for ten years, you will not enjoy any protection, so it is impossible for this salesman to say that you can multiply several times when you are in your 30s.

Secondly, the income of universal insurance is now equivalent to annual income, which is settled on a monthly basis, and the guaranteed interest rate for the first five years of universal insurance is, that is to say, even if the insurance company loses death, the insurance company will settle you according to the interest at the minimum, but after five years, the minimum guaranteed interest rate of universal will be adjusted, but it will not be lower.

Third, if you buy Magnum in the hands of a bank clerk, it is possible to double it when you are in your thirties, but it is impossible to multiply it several times, and it can be doubled at most, indicating that Taikang's interest rate is already very high.

It's a good idea to buy universal insurance at your age, but what is the exact amount of income? This is not certain. The figures on the insurance plan can only be an assumption, and the specific benefits depend on the actual operating results of the insurance company.