Please ask a friend who understands insurance to help me see if this policy is good

This is a universal insurance, according to what you mean by the main critical illness accident and pension. If you use traditional insurance, you will get higher protection for the same amount of money. And the real pension can be received every month, and it is constantly and inexhaustible.

And the pension you are talking about does not have this function. It's like having so much money in an account, you can only withdraw it once a year, and when you withdraw all the money in the account, there is a so-called pension. In addition, this life insurance needs to be paid for life, if there is a help insurance that is the same as this protection, but only needs to be paid for 20 years, and it is better to continue to enjoy protection without paying money in the future?

The main insurance also needs to be paid for life, have you ever thought that it is not a problem to pay more than 6,000 premiums a year when you are young, but if you retire after the age of 60, you still have to pay more than 6,000 premiums every year, do you have the ability to pay?

This insurance is not bad, as long as there is no problem with the premium for you, in fact, the insurance is not good or bad, and what suits you is the best.

The protection is more comprehensive! Critical illness compensation of at least 200,000 yuan. You should be in your 30s, and if you add 40,000 yuan in premiums, you will receive more than 1,000 per month after retirement, and you dare not guarantee that you will receive it for life, but you can receive it for at least 30 years.

Accidental Injury and Hospitalization can only cover you for 10 years, and you will need to continue to pay the Accident and Hospitalization premiums after 10 years!

This insurance is more comprehensive and is a good combination. You can rest assured.

The key is to see if it's right for you. Generally speaking, it is more appropriate to buy insurance with about 10% of your annual income, and at the same time, insurance protection is also in order of purchase, accident first, medical treatment second, illness and others.

Summary. If it is purchased through an insurer or insurance broker, you can use it to assist in inquiring about the policy; You can check through the e-mail address left when applying for insurance, and generally after the insurance is successful, the insurance company will send the information of the successful insurance to the e-mail address, and the policy can be found by email; After applying for insurance, the insurance company will send a text message to the mobile phone number left at the time of application, and the text message is generally accompanied by the electronic policy from the inquiry entrance.

Hello, querying your own Baozao Mausoleum list can be coincidentally missing to inquire through the following methods: 1You can bring your identity stool and wide family card to the offline service outlets of the insurance company for inquiry; 2.

If it is purchased through an insurer or insurance broker, you can inquire about the policy through its co-ordination; You can check through the e-mail address left when applying for insurance, and generally after the insurance is successful, the insurance company will send the information of the successful insurance to the e-mail address, and the policy can be found by email; After applying for insurance, the insurance company will send a text message to the mobile phone number left at the time of application, and the text message is generally accompanied by the electronic insurance policy from the inquiry entrance.

When buying insurance, you should choose to buy it according to your own situation.

Summary. Hello dear for your question, oh <>

If you buy critical illness insurance, life insurance, and accident insurance (accidental death and disability), then as long as the insurance is out of the insurance, you can repeat the claim with the corresponding terms.

I bought a lot of this policy.

Hello, dear, it's a pleasure for you to have this question oh [big red letter seepage sleepy flower] <>

If you buy critical illness insurance, life insurance, and accident insurance (accidental death and disability), then as long as the insurance is out, you can repeat the claim according to the terms.

The functions of insurance are different, when a critical illness is diagnosed, the medical expenses can be reimbursed by medical insurance, and the living expenses depend on the claims of critical illness insurance. In addition, there are life insurance, accident insurance, savings insurance, etc., all of which have different functions.

Insurance is very important for every family, especially those with average incomes, who cannot bear the impact of risk. If the economy allows, it's always good to buy a few more copies of the state book, but buy it reasonably! A reasonable and effective insurance plan must meet two conditions:

Comprehensive types of insurance and sufficient amounts.

An insurance policy is an abbreviation for an insurance policy. It is a kind of maximum integrity insurance contract signed between the insurer and the policyholder.

The insurance policy must clearly and completely record the rights and obligations of both parties to the insurance, and the policy mainly contains the name of the insurer and the insured, the subject matter of the insurance, the amount insured, the insurance premium, the insurance period, the scope of liability for compensation or payment, and other specified matters.

According to the application of the policyholder, the insurance policy shall be signed by the insurer and submitted to the insurer for receipt, and the insurance policy is the main document for the insured to claim compensation from the insurer when the insured suffers losses due to an accident, and it is also the basis for the insurer to collect insurance premiums.

Most people only pay attention to how to buy insurance, if you ask them what the role of the insurance policy is, how to inquire, how to verify, how to manage, usually dumbfounded, in fact, this is very important, everyone should learn, want to learn directly read this article"One article teaches you how to query, verify, and manage your own insurance policy! 》

There is a detailed explanation in the article, so let's talk about it briefly here.

There are usually several ways to check an insurance policy:

1.Check the official website of the insurance company:

Enter the official ** of the corresponding insurance company, find the service center, and then enter the personal account name and password, and you can check the policy after logging in successfully, the account name is usually the user name, ID card, mobile phone number, email, etc.

The specific query steps are as follows:

After obtaining the policy information, there are no more important things to pay attention to than these points:

1.Check the key information:The name of the insured, ID number, coverage period, coverage items, insurance amount, etc., should be seen clearly whether this information is correct or not, and contact the insurance company to change it in time if there is an error.

2.A closer look at the safeguard responsibilities:If the actual situation does not meet your needs, you need to surrender the insurance to seize the time and reduce losses.

3.Take a closer look at the health advisory:Check whether the part of the health notice in the policy is truthfully registered, if not, even contact the insurance company to seek a solution, so as not to affect the claim in the future.

In addition, after you inquire about the policy, tell your family about the policy information or take a screenshot for them to saveAvoid the unfortunate situation that your family members do not know, and it is very likely that you will not be able to file a claim。Other content related to this question will be explained in more detail in this article, and you can take a look at what you want to know"The policy is managed by itself, and when the claim is settled, the family does not know what to do? 》

Hello, because your personal information is involved, you can send a private message.

We insured the yuan yesterday, please ask which company it is.

Hello, please help me check Huang Yifu's name insurance policy.

1.If you buy an insurance policy that includes health insurance, the premium will be very high, perhaps more than 1,000 a year.

2.Generally, the sum insured is calculated in units of 1000, and the premium paid is a multiple of 1000, and the total sum insured is multiplied by this multiple.

3.Some insurance products will contain multiple benefits, such as death, accident, medical treatment, etc., if there is more protection, the premium is also higher, and the sum insured of a single type may be lower. Some insurance products are savings in nature, and the amount of insurance for death or accident may be low, but the premiums handed over to the insurance company will accumulate like depositing in the bank, and can be withdrawn eventually.

4.The payout shall be calculated according to the agreement of the insurance contract. It is important to note that medical insurance does not make a profit to the insured, and the total amount of compensation will not exceed the actual medical expenses incurred.

5.When buying insurance, you should consider buying insurance products rationally according to your own needs. It doesn't matter much if you buy more savings insurance (both, dividends, and everything), but don't buy a few similar copies of health insurance.

The amount of insurance coverage for 90 years is not high, but the life insurance in those years is basically how many years can be dividends, which means that every year to find the insurance company to share dividends, your income, you have a few shares can receive a few shares, for example, a year income is 1000, then, 10 shares is 10,000, cumulative, this is called an investment-type financial insurance product. Its main role lies in the income, not in the insurance, plus it was bought more than ten years ago, so the insurance amount is not high.

However, I do not agree with the opinion upstairs, insurance is divided into property insurance, life insurance, pension, etc., only property insurance can not be repeated after the accident, people can be repeatedly paid, because property is valuable, people are priceless.

Your type of insurance mainly depends on the content of the policy, that is, how much income you can get after many years, and the income is different every year.

The sum insured should be 20,000 yuan! Do you think it's interesting to buy this kind of insurance, the salesman still violates the relevant regulations, which is illegal!

Hongsheng is a lifelong dividend insurance, 4,000 pay 30 years in my estimation, the age of the insured should be quite old, the older the insurance premium will be more expensive This is the same law, but it should be noted that Hongsheng has been discontinued in April 09, this is a very good low-premium insurance in Ping An's insurance. In addition, you can log in to your Ping An Account to check your policy dividends, and your policy dividends should be the same as your premiums if you have paid for more than ten years, because Hongsheng's dividends are also quite high.

You can get back the principal plus dividends, and this protection is only for you as an additional product.

You can consult 95511 for details

If it is really like what the above friends said, you have bought the insurance repeatedly, it is recommended that you read your cash value table after paying the premium, and take it out when you are the highest age.

No, the sum insured of 20,000 should be 20,000 yuan.

You multiply as many as you buy.

Let's take a closer look.

What you say about Hongsheng is that you buy four points. The premium is the money you need to pay, and the sum insured is the money you can receive, that is to say, if you pay 4,000, you can receive 20,000 when the claim is paid.

Hello, survival insurance generally refers to the amount paid by the insurance company at the end of the corresponding year, if the insured survives, then the insurance company will pay, so your understanding is right, the first 63 years, 1500 yuan per year will be paid to you, the 64th year should be the expiration of the insurance period, if you still survive at the expiration of the period, you will pay 100,000 plus 1500, 100,000 should be your insurance amount.

I'm guessing according to the common sense of general insurance products, and you'd better specify which insurance product, name and company it is to confirm.

Additional answer: Hello, from the perspective of financial management, your understanding is roughly correct, the first 10,000 has been saved for 64 years, and the second has been saved for 63 years... And so on, the tenth 10,000 yuan was saved for 53 years, and finally received 197,500 yuan.

But the most essential thing about this product is the protection function: general death benefit: pay 10 times the annual premium; Accidental Death Benefit:

An additional 5 times the annual premium will be paid, for a total of 15 times the annual premium. Note: The survival fund and dividend can be received at any time, if not, it will be deposited in the insurance company, and then you will be given a tentative accumulation of interest.

Plus the bonus part, the return of more than 197,500 money, dividends are uncertain, 08 years of Ping An's annual dividend is more than 8%, the return on investment has decreased in recent years, it is not so high, conservative estimates, on average, will not be higher than the bank's one-year fixed deposit interest rate.

This product is still good, it is less of a one-year-a-year product. If you want to compare the return on investment with insurance, you can compare the rabbit with the horse, and the functions of the two are different. The essence of insurance is protection, in case of insurance, you can leave a sum of money for your family.

You're half right.

The year-end survival benefit is only available if the insured survives until the end of the corresponding policy year. That is, as you understand, there are 63 1500, and at the end of the 64th year there is another 1500 and 100000 (which should be the sum insured of the policy).

If the insured does not survive to the end of the corresponding policy year, all the next 1500 will not be available.

You return this every year, and give 100,000 yuan at maturity.

You may think it's a bit much, but this insurance is very comprehensive and the payment is not very high.

1. Additional Hongli Critical Illness is an additional critical illness insurance.

2. Waiver of critical illness means that once a critical illness is diagnosed, the premium of Hongli Critical Illness does not need to be paid.

3. Accidental medical treatment, that is, knocking, bumping, etc., can be reimbursed for outpatient, emergency and inpatient treatment in designated hospitals.

4. The daily amount of hospitalization is the hospitalization allowance, and how much is the subsidy for one day of hospitalization.

You see, the payment is not high, but the protection is relatively complete, and it would be more perfect if you could add another inpatient medical treatment.

This should be the contract of Ping An Insurance.

Yes, there is only one main insurance, and the others are all add-ons.

This means that when the main insurance is gone, the other riders are meaningless.

For your additional accidental medical treatment, some insurance companies can solve all of them through ordinary medical insurance, that is, only one additional insurance can be solved.

Here, I know that in this industry, there are three sentences that say this: "brand in life", "Ping An's talents" and "Xinhua's 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 medium and long-term contracts, and if you buy it, you can become a lifelong happiness, 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 for adults and then children, and adults are the best protection for children. If adults are not protected, no matter how much insurance children have, it is meaningless, after all, it is the adults who pay the relevant fees for the children.