How to pay for 5 critical illnesses of Pacific Life Insurance Jinyou

Pacific Life Insurance Jinyou Life Critical Illness 5, if you suffer from the critical illness included in the coverage, 100% will be paid, and if you suffer from the critical illness included in the coverage, 100% will be paid, and if you suffer from a mild illness in the coverage, only 20% will be paid.

Jin You's life is said to be a combination of security and making money, just look at its security content:

The product form of Jinyou Life is "single compensation for critical illness + 3 compensation for mild illness", which is complained about every time, but what is the actual situation? The detailed analysis is here:"It's said on the Internet that Jin You's life is not good? Is it true? 》

From the analysis, we can know that there is a reason for being complained about, and it still has many shortcomings, such as these shortcomings:

1. The proportion of compensation for mild illness is low

Although the product covers 50 mild illnesses and pays 3 times, it can only get 20% of the basic sum assured. If you can reach the same 30% of the payout level in most markets in the market, you will be considered to be passing.

2. Lack of protection for moderate illness

There is no protection for moderate illness, many critical illness insurance on the market have moderate illness protection, and compared with critical illness, moderate illness and mild illness are often the precursors of critical illness, and the cost of alleviating critical illness in the early stage is often dependent on moderate illness protection.

3. The dividend protection is slightly poor

The dividends of Jinyou Life are: annual dividend and final bonus.

Annual Dividend: As the name suggests, it refers to the dividend that can be received every year. The insured will not receive the dividends directly, but will accumulate them in the policy, and the critical illness sum assured will gradually increase.

Terminal bonus: paid upon termination of the contract, divided into care payment and special bonus. But when it comes to claiming bonuses, only one of these three can be claimed.

4. Premiums are expensive

After reading **, we can find that if it is a policy of 500,000 insurance for 20 years, a man is 30 years old, and the policy is guaranteed for life, 19,650 yuan will be paid a year, which is almost 20,000 a year! It can be said that it is very expensive.

Summary: From the perspective of overall protection, Jinyou Life is a cost-effective insurance, **expensive, but the protection is not comprehensive, the same conditions, there are many good products to choose from such a budget, and you can refer to those who will not choose:"Ten critical illness insurances that are much more cost-effective than Jinyou Life".

Thanks for reading, hope!

First see if your illness is not covered by insurance, if you are in the first place, you can ask your insurance ** person to help you make a claim; Second, you can call ** to ask what claim information is needed, and then go to the customer service of the local Pacific Insurance Company to handle it.

If the insured suffers from a critical illness during the contract coverage period, and the accident is included in the coverage agreed in the contract, the insurance company can pay 100% of the claim to the insured after confirmation. As long as the contract is 180 days after the contract takes effect, whether it is total disability, accidental death, illness death or illness that meets the scope of critical illness claims, the sum insured will be paid The increased dividend sum assured; In addition, there is a lifetime critical illness insurance that can be used to claim minor illnesses and waive subsequent premiums, and can also increase year by year. If the claim scope of the insurance major illness is handled over the counter of the insurance company, the salesman can also be entrusted to handle it on behalf of the company.

Commercial insurance critical illness claims shall be paid according to the insured amount as agreed in the contract. Bring the pathology report and insurance policy of critical illness, ID card, and bank card to the insurance company's counter to apply for a claim. If it is a critical illness insurance attached to the main plan, the sum insured for the critical illness will be paid first.

The sum insured of the main insurance is equal to the sum insured for the reduction (reduction) of critical illness. The contract continues to be in force.

Extended Materials. How to pay for a critical illness after purchasing Jinyousheng: After purchasing Jinyousheng, if the insured suffers from a critical illness during the contract protection period, as long as the type of illness is included in the coverage agreed in the contract, the insurance company will be able to pay 100% of the claim to the insured after confirmation. If the patient's illness is not covered by the contracted coverage period, the insurance company will not fulfill the coverage liability.

How about Jinyou Life Critical Illness Insurance: Jinyou Life Critical Illness Insurance can cover 100 types of critical illnesses, and once the insured suffers from a critical illness during the protection period, 100% of the basic sum assured will be paid. Among them, the common high-incidence critical illnesses that can be covered are:

Deafness in both ears, blindness in both eyes, paralysis, heart valve surgery, severe Alzheimer's disease, severe brain injury, severe Parkinson's disease, severe burns, severe primary pulmonary hypertension, severe motor neuron disease, loss of speech ability, severe aplastic anemia, aortic surgery, renal medullary cystic disease, primary cardiomyopathy, persistent vegetative state, generalized myasthenia gravis, etc. More detailed coverage can be found in the insurance product contract.

If you want to know how much you can pay, it depends on how much you spend.

It depends on how old you are and how much sum insured you have bought, and the amount of insurance corresponding to different ages is different for the same premium.

The exact amount of compensation depends on the number of contracts signed at that time. "Jinyou Life and the National Popular Critical Illness Insurance Comparison Table" Pacific Jinnuo Life's claim scope does not include high blood pressure, Jinyou Life is known as a critical illness insurance that integrates protection and makes money, directly look at its protection content: Jinyou Life's product form is "Critical Illness Single Compensation Minor Illness 3 Compensation", listed below:

1. The compensation ratio for mild diseases is lowAlthough the product covers 50 kinds of mild diseases and pays 3 times, the compensation ratio for mild diseases is only 20%.It is lower than the ordinary 30% level of critical illness insurance in the market.

2. Lack of moderate illness protection still cannot provide moderate illness protection, many products on the market now have moderate illness protection, and compared with critical illness, moderate illness and mild illness are often the precursors of critical illness.

3. The two kinds of dividends of Jinyou Life are slightly poor: annual dividends and final dividends. Annual Dividend:

As the name suggests, it refers to the dividends that can be received every year. Dividends are not paid directly to the insured, but are accumulated in the policy, which will increase the sum assured for critical illness. Final Bonus:

It is paid at the end of the contract and is divided into a care payment and a special bonus. However, only one of these three bonuses can be paid.

Extended Materials. 1. Critical illness insurance, simply put, is a critical illness. In general, the cost of critical illness is relatively high, and the economic burden is also very heavy.

Serious illness medical insurance can alleviate these burdens and insure the cost of medical treatment, but it is also necessary to pay attention to the purchase of individual medical insurance. To buy critical illness medical insurance, you must first understand the cost of the current illness. At present, the cost of serious illness is as little as 50,000 or 60,000 yuan and as much as 100,000 yuan, and it is best to buy critical illness insurance between 150,000 and 200,000 yuan, so as to ensure medical protection after illness.

Of course, consumers can also appropriately adjust the amount of insurance for major illnesses according to the physical examination of their families and individuals, so that they no longer need to care about how much money they pay for serious illness medical insurance a year.

2. If there is no traffic accident in the previous year, a 10% discount will be provided for a copy of the policy of the previous yearIf there is no traffic accident in the first two years, a copy of the previous year's policy (10% discount confirmed in the previous year) will be discounted by 20%.If there is no traffic accident in the first three years, a copy of the previous year's policy (20% discount confirmed in the previous year) will be discounted by 30%.

3. The minimum discount of compulsory traffic insurance is 30% discount on the benchmark premium for the first insurance or a traffic accident (no death) in the previous year. If there are 2 or more traffic accidents (no fatalities) in the previous year, the fee will be increased by 10%.In the event of a traffic fatality in the previous year, the fee will be increased by 30%.