What is Universal Coverage? How about term life insurance for all

National insurance is an insurance series launched by Alipay's Ant Insurance insurance platform, including pension, term life insurance, education and other types of insurance.

Many friends may not be familiar with Ant Insurance, but in fact, Ant Insurance is one of the most popular online third-party insurance companies on the market. Ant Insurance has screened out some insurance companies to cooperate with and put their products on its own platform for sale. We only need to search for the corresponding insurance product on the corresponding page, and then follow the instructions on the page, and we can easily get the insurance.

Since there are friends who are interested in universal insurance, then the senior sister will take the flexible pension of national insurance as an example today, and take everyone to evaluate it together to see how it performs. Without further ado, let's look at the security map first:

First of all, the payment period of the universal insurance flexible pension is very diverse, both support single payment and support 3 5 years of payment, in addition to female consumers can also choose to pay until the age of 55, male consumers can choose to pay until the age of 60. The choice is rich and diverse, which is very convenient for consumers to choose flexibly according to their actual situation. For those who don't know how to choose the payment period, you can refer to this article:

How to choose the payment period so that you will not lose?

Secondly, the protection responsibility of the universal insurance flexible pension is the pension insurance and death insurance. You know, this product is guaranteed for life, and it can be said that the longer you live, the longer you will receive it.

In addition, the senior sister also found that the national insurance flexible pension is guaranteed to receive 20 years, which can be described as very intimate, and the friends do not need to worry about the unfortunate early death and losses.

In general, the universal insurance flexible pension has the advantages of flexible payment period and guaranteed receipt for 20 years, and the performance is quite good. However, you don't have to rush to insure, you can shop around and then make a decision, the senior sister sorted out this cost-effective commercial pension insurance list, you can refer to it: the top ten commercial pension insurance in terms of cost performance!

Hello, glad to answer for you.

National insurance whole pension insurance is a dividend-paying pension insurance, the insured can receive a pension from a certain age to life after paying a certain premium, which is a supplement to social security pension insurance. In addition to a fixed minimum return, dividends are distributed monthly based on the insurer's investment income.

National Insurance is a series of life insurance products on the Alipay insurance platform, which are developed and customized for users by insurance companies such as Chinese Insurance Company and Guohua Life, covering pensions, term life insurance, education funds, wedding funds and so on. You can search for "National Insurance" on the homepage of Alipay to enter the relevant product page.

Universal Term Life Insurance is a new term life insurance product recently launched by Alipay Ant Insurance, which is underwritten by Tongfang Global. Alipay's national insurance term life insurance protection responsibility is relatively simple, mainly to protect death and total disability, and the biggest feature is that it can be added with the function of returning premiums.

Pros:

1. You can insure up to 3 million insurance amounts, and you can also choose to return the premium at maturity, but you need to add additional money.

2.There is no need for a physical examination, there are only 3 health notices, and there is no restriction on insured occupations (including high-risk occupations).

Cons:

1. The guarantee period and the payment period can only be selected at the same time, and cannot be flexibly selected according to the budget.

2. The cost performance is not high.

3.The gimmick of "return at maturity" violates the essence of term life insurance, after all, the main role of life insurance products is to protect life and death, and the return at maturity only caters to consumers' idea of "insurance compensation if there is something to do, and the capital will be refunded if there is nothing to do".

You want to have a high sum insured: Barley is youth 2020, barley 2020

Want good value for money: Guofu Dinghaizhu No. 1, Damai Zhengchun 2020

Want to have no restrictions on careers:Retari and Upgraded, National Coverage Term Life Insurance.

If there is an abnormality in the thyroid gland: China Merchants and Optimus Prime No. 3.

Judging from the occupational and health notices of insurance, Alipay's national insurance term life insurance is indeed very relaxed, but it is not suitable for everyone. Because insurance is not so flexible, more cost-effective term life insurance is waiting for you to discoverCost-effective term life insurance has these, there is something for you!

The differences between Changsha Huimin Insurance and Hunan Aimin Insurance include:

1. The conditions for participation are different, and Changsha Huimin Insurance stipulates that only urban employees in Changsha City (including the provincial level) and basic medical insurance participants in Changsha City and urban and rural residents in Changsha City can apply for insurance; Hunan Aimin Insurance stipulates that the basic medical insurance in Hunan Province (including urban workers and urban and rural residents) can be insured (including the provincial level, cities and prefectures);

2. There are differences between the two underwriting insurance companies, Changsha Huimin Insurance is jointly underwritten by Chinese Insurance Property Insurance, Caixin Jixiang Life, China United Property Insurance, Pacific Pension and Taikang Pension Insurance Company; Hunan Aimin Insurance is jointly underwritten by Chinese Life, Pacific Property Insurance, Pacific Life, Ping An Pension, Ping An Property Insurance, Chinese Life Property Insurance, Ping An Health, Chinese Health Insurance, Taiping Property Insurance, New China Life, Sunshine Property Insurance, Dadi Property Insurance and Sunshine Life Insurance Company.

Hunan National InsuranceThis is an inclusive supplementary medical insurance in Hunan Province in September 2020, and its protection content is relatively simple, only providing inpatient medical care and cancer self-paid drug protection in the medical insurance, which can be done for 49 yuan or 139 yuan a year, and the maximum reimbursement for a year is 3 million yuan.

Hunan Aimin InsuranceIt is a Huimin medical insurance in Hunan Province, which will be open for insurance on October 15, and its protection period is from January 1, 2022 to December 31, 2022, and its protection content is rich.

The difference between the two:1Different protection content From the perspective of insurance content, Hunan Aimin Insurance's insurance content is more comprehensive.

Not only can it be reimbursed for medical expenses under medical insurance, but also medical expenses outside medical insurance, and it also provides coverage for specific drug expenses. The hospitalization medical treatment of the universal insurance is only covered by medical insurance.

2.Different underwriting companies Hunan National Insurance is underwritten by one insurance company, Pacific Insurance, while Aimin Insurance is jointly underwritten by 13 insurance companies.

3.The premium** is different 0-50 years old to buy national insurance is cheaper, only 49 yuan a year can be done, and the same price of Aimin insurance for all young and old, is 139 yuan a year.

You can buy according to your needs.

Legal analysis: universal medical insurance means that all citizens in urban and rural areas must establish or hold medical insurance that all citizens in urban and rural areas can participate in, so that all people can get help from the medical insurance system organized by the first organization after illness, and all groups of people are equal regardless of status, identity, gender, region and income.

Legal basis: "Law of the People's Republic of China on Social Association Insurance" Article 2 The State shall establish a social insurance system such as basic endowment insurance, basic medical insurance, work-related injury insurance, unemployment insurance, and maternity insurance, to protect citizens' right to receive material assistance from the State and society in accordance with the law in the event of old age, illness, work-related injury, unemployment, childbirth, etc.

Social security is mainly divided into urban and rural residents, social security and employee social security. The main difference lies in the guarantee items and the proportion of contributions.

Social security for urban and rural residents is mainly medical insurance and endowment insurance. There are more unemployment insurance, work-related injury insurance, and maternity insurance for employees. Units and individuals pay on a pro-rata basis.

National Insurance is a benefit-based insurance product that can be insured on the Alipay app, officially formulated by Ant Insurance and underwritten by Tongfang Global Life Insurance Company.

Tax residents of Chinese mainland aged 18 to 60 can apply for insurance, and the insured can only be himself, regardless of the occupation of the insured, and can also be insured in high-risk occupations. There are no requirements for height, weight, BMI, smoking, drinking, etc., and the health notice is also relaxed, with only three notices.

It mainly protects the death or total disability of the insured, and there is an option for premium refund if the claim is not made when it expires. The term of insurance and payment period are flexible and diverse, and there are 9 term methods to choose from, and the maximum protection (for the insured) is up to the age of 80.

Universal coverage is suitable for people who are the financial breadwinners of families, those who have not paid off their mortgages, parents of minor children, and those who are engaged in high-risk occupations.

We know that traditional pension insurance often needs to pay a one-time fee for one year, and the premium is often tens of thousands of yuan at a time, which puts a lot of financial pressure on contemporary young people. The universal insurance and lifelong pension solves the above problems, it has a low insurance threshold, and users can flexibly choose according to their family income, they can invest less or more, and they can add additional premiums when they have surplus in the future, which has incomparable flexibility of traditional products.

At the same time, the universal insurance and lifelong pension break the convention, do not force customers to pay regularly, but design a very flexible payment method, users can not only pay at once, but also regularly increase insurance every week or month, which is convenient for users to start the pension plan. "Universal coverage"The flexibility is also reflected in the fact that there is no limit to the premium paid at a time, and there is no limit to the duration of the policy and the number of years of payment. For users with unstable income, advanced consumption, and urgent need for capital turnover, the flexible payment of universal insurance and lifelong pension allows them not to be limited by the fixed amount of premiums, reducing economic pressure and increasing flexibility.

In terms of old-age security, the universal insurance and lifelong pension provide lifelong protection for customers. Female users can continue to receive a pension until their death on the corresponding date of the effective date of the policy year after they reach the age of 60 after they reach the age of 55 and male users reach the age of 60. "Universal coverage"Guaranteed for 20 years with a death benefit – if you die before retirement, the premium or cash value will be paid; If you die before 20 years after retirement, you will receive a lump sum payment of the unpaid amount of the 20-year pension.

Users who join the National Insurance and Lifetime Pension Protection Plan can also participate in dividends. If you apply for insurance in the current month, you can receive dividends in the next month (you need to apply for insurance for one month), which is equivalent to reserving flexibility in funds for users, which can help users solve their urgent needs to a certain extent, which is very humane.

Speaking of which, many people may have such questions:"If you have social security, why do you need to buy commercial insurance? "In fact, as an insurance product, commercial endowment insurance has two major characteristics that attract people to use it as one of the pension plans.

First, the income is guaranteed: the income of insurance is generally agreed in the clause and is determined. Compared with other pension products, commercial endowment insurance allows users to open a pension plan, because there is an agreed payment time and collection time, which can avoid spending the money used for pension in advance; Second, hedging risks:

Some commercial endowment insurance is designed to be as long as the life expectancy, that is, it can be received from the beginning of the receiving time point until the end of its life, so that it can hedge risks. Moreover, the longer the lifespan, the higher the actual return.

It is precisely because of a series of advantages of universal insurance and lifelong pension that it has become the choice of many Alipay users. In the future, with the awakening of the awareness of pension in society, it is believed that more people will take the universal insurance and lifelong pension as a supplementary choice to help families care for the elderly without worry.

Reliable, national insurance is also a formal commercial pension insurance product, which is filed with the Insurance Regulatory Commission. Isn't it all said in the news, pension can't rely on social security and corporate pension alone, and you have to plan for yourself. In order to alleviate the economic pressure, I chose the national insurance, which can be bought for 100 yuan, and there are no requirements such as the number of payments, the amount of payment, and the number of years of payment.

Risk 1: Dividends are uncertain.

By default, the display page is displayed according to the high-end income, and if it is displayed according to the low-grade level, then the dividend is 0, that is, not a penny, which is also possible.

Risk 2: The product does not yield well.

Don't think that you can get 50,000 yuan by investing 10,000 yuan, in fact, taking a 30-year-old man as an example, investing 10,000 yuan in the principal, holding the 30th year can get multiple the principal, and the 30-year income is only about 2% annualized, and it is impossible to beat inflation.

Risk 3: Funds are locked up for a long time.

Similarly, if a 30-year-old man invests a principal of 10,000 yuan, if he surrenders the policy, he will lose money in the first seven years, and the principal can only be guaranteed in the eighth year. That is to say, if you need money urgently in the first 8 years, not only will there be no income when you surrender the policy, but you will also lose money.