What are the varieties of Chinese life insurance?

It is divided into ordinary life insurance and new life insurance. General life insurance is divided into term life insurance, whole life insurance, endowment insurance and annuity insurance, and new life insurance includes participating insurance, investment-linked insurance and universal insurance. Choose term life insurance with a lower budget and low premiums; If you want to be able to claim no matter what, choose both insurances, which will have higher premiums; If you have a budget and focus on savings, you can choose whole life insurance.

Chinese Life Insurance (Group) Company and its subsidiaries constitute China's largest state-owned financial and insurance group and are also important institutional investors in China's capital market. The business scope comprehensively covers life insurance, property insurance, corporate and occupational annuity, banking, asset management, wealth management, industrial investment, overseas business and other fields.

Ping An car owner loan] can get a loan if you have a car, up to 500,000.

The insurance products under the Chinese Life Insurance Company include critical illness insurance, medical insurance, accident insurance, life insurance, annuity insurance and so on. There are many types of insurance, and the content of each insurance protection and the suitable group of people are different, so we should be clear about what our protection needs are before buying and choose the right insurance for ourselves.

So how should we configure insurance? Depending on the age, the scheme that needs to be configured is different, please see this article for details:How to buy insurance for different age groups?

Everyone should have their own plan

Under the condition that we can cover our own protection needs, the purchase of Chinese life insurance is reliable and can be purchased with confidence. Senior sister has also evaluated the insurance company Chinese Life before, and if you want to know more about this insurance company, you can take a look:How is Chinese life, what products are there, and is it good?

So, with so many types of insurance, what is the focus of each coverage? Then let's talk about the role and coverage of common critical illness insurance, medical insurance, accident insurance and life insurance.

As the name suggests, critical illness insurance covers critical illness, and when you unfortunately suffer from a critical illness and meet the requirements of the insurance contract, you can get compensation. The insurance benefits paid by critical illness insurance can transfer the financial risk caused by critical illness.

Medical insurance can reimburse the reasonable expenses incurred in seeing a doctor, reducing our expenses incurred by seeing a doctor.

Accident insurance can transfer the financial risk of an accident. When we encounter an accident and meet the provisions of the insurance contract, we can get a claim.

Life insurance is different from the above three types of insurance, life insurance actually protects the insured's family, when the insured unfortunately dies and meets the provisions of the insurance contract, the beneficiary will receive an insurance payment, which can be used to solve family living expenses, and even to repay debts, so it is very suitable for family financial support.

If you are not sure what the difference is between the above insurance, continue to look here:What is the difference between critical illness insurance, medical insurance, accident insurance, and life insurance? Will there be a conflict when making a claim? Hope.

"One Yuan Anything I Go" vehicle accident insurance. It mainly provides the insured with accidental death and dismemberment benefits due to the use of designated means of transportation such as planes, trains, automobiles, ships, etc.

Such as e domestic travel insurance. We provide the insured with accidental injury, death, dismemberment, limb protection, accidental injury, acute illness medical insurance, and funeral liability protection during domestic travel.

Such as e-Private Car Accident Insurance Plan. Medical coverage for accidental injury, death, accidental dismemberment, accidental burns and accidental injury while driving or riding in a private car.

Such as e-Air Insurance. Provide the insured with accidental injury, death, accidental injury dismemberment and accidental burn injury protection during the flight.

Chinese life insurance mainly includes health insurance, accident insurance, travel insurance, property insurance and life insurance. The details are as follows:

1. Health insurance: It is divided into critical illness insurance and medical insurance. Critical illness insurance, as long as it meets the conditions of the disease agreed in the contract, such as malignant tumors, acute myocardial infarction, cerebral stroke and sequelae, etc., the insurance company will pay a compensation, the essence of critical illness insurance is "income slag loss insurance", the claim is not limited to use, can be used for treatment, repayment of mortgage, pay for children's education, etc.

Medical insurance is a kind of compensatory insurance, which mainly covers the medical expenses of the insured in the designated hospital, which is divided into illness medical treatment and accident medical treatment.

2. Accident insurance: covers accidents, sudden, external, and unintentional events that cause damage before personal shouting, generally including: accidental death, accidental medical treatment and accidental disability.

Accidents are ubiquitous and inevitable, and accidents often cause huge losses and catch them off guard, especially for family breadwinners.

3. Travel insurance: the scope of people's domestic travel continues to expand, and there are more and more ways to travel, while enjoying a good trip, both travel agencies and tourists themselves should consider the possibility of accidents, and purchase travel insurance appropriately according to their actual situation, so as to ensure that they can get timely and effective assistance and all-round protection in emergencies.

4. Property insurance: refers to the insurance in which the policyholder pays the insurance premium to the insurer according to the contract, and the insurer bears the liability for the loss of the insured property and other related interests due to natural disasters or accidents according to the agreement of the insurance contract.

5. Life insurance: Life insurance is a life insurance with the life insurance of the person as the subject of insurance, and the condition that the insured dies, becomes totally disabled or survives to the expiration of the insurance period without paying the insurance money. Life insurance, the family economy needs to be allocated a, in order to prevent death for some reason, so that the family's economic income plummets, life insurance reflects the love and responsibility for the family.

Chinese Life has a variety of insurance products, including critical illness insurance, medical insurance, accident insurance, life insurance and both-insurance.

In order to let everyone better understand the insurance products of Chinese Life, Senior Sister will take Huixiang Lifetime A 2022 critical illness insurance as an example to see how this stop product is protected. Without further ado, let's go straight to the picture:

It can be seen that the 2022 critical illness insurance of Huixiang Lifetime A is a one-time compensation critical illness insurance, which supports people who are more than 28 days old (inclusive) and under the age of 65 (inclusive) to apply for insurance.

1. Short waiting period.

The waiting period, also known as the waiver period, is generally not liable for compensation unless it is caused by unexpected circumstances. Therefore, the shorter the waiting period, the more friendly it will be for the insured person to enjoy the full coverage of the product.

The waiting period for critical illness insurance in the market is generally 180 days or 90 days. The waiting period for the 2022 Critical Illness Insurance is only 90 days, which is relatively short.

I have to say that Yu Hao, Huixiang Lifetime A 2022 Critical Illness Insurance is still relatively good in terms of waiting period.

If you don't know about the waiting period, you can also take a look at this article:During the waiting period, the insurance company will not pay? If you don't understand, you'll suffer a big loss!

2. Lack of malignant tumors - severe multiple claims.

The coverage content of the 2022 Critical Illness Insurance is relatively simple, lacking some practical other benefits, such as malignant tumors - severe multiple claims.

As we all know, in addition to the high prevalence of malignant tumors, the cost and high rate of malignant tumors are also a headache for patients.

If there is a malignant tumor - severe multiple claims, then after the insured is diagnosed with a malignant tumor for the first time - severe and receives the critical illness insurance benefit, if he is unlucky, he can get another insurance payment, and he will have more confidence to persevere** and help the insured transfer part of the economic risk.

Unfortunately, this product does not have this guarantee, and there is room for further improvement.

Hope.

There are many types of life insurance for Chinese, including critical illness insurance, annuity insurance, life insurance, medical insurance, accident insurance and other types of life insurance.

There may be many small partners who do not know how to choose in the face of so many varieties of insurance for Chinese life? The senior sister's suggestion is that the principle of "protection first and financial management later" should be followed.

From the perspective of adults, if economic conditions permit, adults should first allocate protection insurance, such as critical illness insurance, million medical insurance, life insurance and accident insurance.

Due to factors such as environment, poor living and eating habits, work pressure, etc., everyone has the possibility of suffering from major diseases, and the cost of common major diseases is very high, often hundreds of thousands, so adults need to configure critical illness insurance and million medical insurance to transfer the economic risk caused by the disease.

Adults are basically the breadwinners of the family, and it is very necessary to take out life insurance, so that if the adult unfortunately dies or becomes completely disabled during the protection period, the compensation of the life insurance can be left to the family to help the family solve the financial problems caused by the loss of the financial pillar.

In addition, accidents can happen anytime and anywhere, and accident insurance is also needed to transfer the financial risk caused by accidental injuries.

The above four types of protection insurance have their own functions, and they can be configured together to improve the personal protection system. You can also learn more about their protective functions: what is the difference between critical illness insurance, medical insurance, accident insurance, and life insurance? Will there be a conflict when making a claim?

For example, the function of financial insurance such as annuity insurance is biased towards financial management, although there is a protection function, but the protection function of many financial insurance is relatively weak, and more funds need to be invested, so we generally need to be equipped with protection insurance, and also have a sufficient amount of idle funds, and then consider purchasing financial insurance to solve the problem of capital needs in all aspects such as pension and children's education. Senior sister has selected ten high-yield popular financial insurance, and friends in need can choose the right product to insure: the top ten most worthwhile financial products to buy in 2022!

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1.Financial insurance. Such as China Life Xinyu Mantang Annuity Insurance (dividend), China Life Wealth Heirloom Whole Life Insurance (dividend), China Life Xinxiang Jinsheng Annuity Insurance (paragraph B), etc.

2.Pension insurance. For example, China Life personal tax deferred pension insurance (2018 version) and so on.

3.Health insurance. For example, China Life Corning Whole Life Critical Illness Insurance (2019 Edition) Insurance Product Portfolio, China Life Furui Ankang Insurance Product Portfolio (Premium Edition), etc.

4.Children's insurance. Such as China Life Xinyu Children's Annuity Insurance (Dividend), Children's China Life Welfare (Ultimate Edition) Insurance Product Portfolio, Children's China Life Welfare (Supreme Edition) Insurance Product Portfolio, etc.

5.Term life insurance. Such as China Life Xiangtai Term Life Insurance, etc.

6.Whole life insurance. Such as China Life Shengshi heirloom whole life insurance, etc.