Chinese life insurance has no health insurance

Hello friends!

China Life Evergreen 2016 has several advantages!

1. Insured illness, 77 kinds of critical illnesses, 100 advance payment of the sum insured for diagnosis, 100 sum insured for the terminal stage of illness, 20 sum insured for 33 kinds of minor diseases, 5 times, and the sum insured for critical illness remains unchanged.

2. Life-saving, whether it is death from illness or accidental death, total disability, the amount of insurance will be paid, and 1,5 times the premium paid before the age of 18 will be paid.

3. Sick insurance, sick pension.

4 double exemptions.

There is a national life blessing Kangning for life.

It is recommended to open a national life account.

Hello, China Life Fu is a high sum insured and low premium.

You can look at China Life Fu, a new type of insurance with low premiums and full protection.

Pacific Jinyou has a very good life, 60 kinds of severe disability + 12 kinds of mild diseases, and the occurrence of mild diseases can also be exempted.

Chinese people have a long life, a healthy life.

The Pacific Ocean is peaceful and prosperous. Health Lifetime Critical Illness Insurance has been out of sale for many years.

There is no health care, there is a national life blessing (115 diseases). Private chat for details.

Health insurance is very important, and the minimum insurance amount of Huaxia Evergain is high, so consider it.

Xinhua's health is very good.

Ping An Fu 2016 has low payment and high protection! You can find out.

Chinese health insurance is still possible, it's true.

Different products have their own characteristics, but neither good nor bad. The key is to be right for yourself. It's hard to choose the right product until you know what you need.

Buying insurance is the same as buying something else. First, determine what you need, and then find the right product for your needs. The chances of buying the wrong thing are much less.

A professional broker is very important. The merchant can help you analyze how much to buy, what kind of insurance to buy, how much reasonable insurance premium to buy, and so on. Buying insurance should be for different people.

Specific products need to understand your situation in order to give you suitable suggestions. Occupation, age, gender, existing insurance, etc.

PICC Health is entrusted by ** to mainly undertake medical insurance supplementary business and related health insurance business, including medical insurance, critical illness insurance, nursing insurance, accident insurance, etc. Life insurance is more concerned with life insurance.

There are many types of health insurance: medical insurance, critical illness insurance, disability loss insurance, nursing care insurance, etc. In a family's health insurance plan, the focus of insurance will also be different.

The full name of PICC Health Company is Chinese People's Health Insurance Co., Ltd., which is a subsidiary of Chinese People's Insurance Group.

Don't worry about its products, it's a regular insurance company. If you are worried that you will not be able to distinguish whether the insurance company is reliable, my dad recommends that you read this article "How to see if the insurance company is reliable, just master these points!" 》

1. Basic information of PICC Health Company.

PICC Health Company was established on March 31, 2005 with a registered capital of 100 million yuan.

In 2018, Chinese Health won the "Best Health Insurance Company of the Year" award, and in December of the same year, the Good Medical Insurance and Long-term Medical Insurance product won the "Outstanding Medical Insurance Product" award.

2. Comprehensive solvency.

At the end of 2019, the company's minimum capital was 100 million yuan; The actual capital is 100 million yuan, of which the core capital is 100 million yuan and the subsidiary capital is 100 million yuan.

At the end of 2019, the company's consolidated solvency adequacy ratio was 201% and the core solvency adequacy ratio was 140%, down 81 percentage points and 42 percentage points from the end of last year.

In 2019, the main reason for the change in the company's solvency was the change in business size and business structure.

In general, as the first professional health insurance company in China, PICC Health is still an insurance company worthy of the trust of consumers.

Want to know what is the comprehensive strength of PICC Health Company? After reading this article, you will know the "Top 10 Rankings of Chinese Insurance Companies in 2020, Have you heard?" 》

3. Its products.

The operation of the top 5 insurance products in 2019 with the highest original insurance premium income of PICC Health Company is as follows:

Health Jinfu Preferential Individual Medical Insurance (2018 model), Group Medical Insurance for Serious Illnesses for Urban and Rural Residents (Type A), Large Supplementary Group Medical Insurance for Urban Employees in Harmony and Shengshi, Kangli Life Insurance (Dividend), and Guardian Expert Social Security Supplementary Group Medical Insurance.

Finally, friends who want to configure health insurance but don't know how to match it, click here to get the most suitable insurance configuration plan for you" [Click to receive - free insurance plan customization].

Chinese health insurance is very good, true.

On April 8, 2005, Chinese People's Health Insurance Co., Ltd. **** (hereinafter referred to as Chinese Health Insurance) officially opened as the first professional health insurance company in China.

PICC Health will fully rely on the resource advantages of PICC, scientifically learn from the mature technology and management experience of international health insurance operation, always adhere to professional operation and refined management, actively explore the professional business model of China's commercial health insurance, and comprehensively lead China's commercial health insurance market.

PICC Health Million Escort Care Insurance is a popular nursing insurance recently launched by PICC Health, and now the insurance awareness of Chinese people is not strong enough, or many people think that there is no need to spend money on insurance investment, in fact, choosing insurance is not so much an investment, it is better to see it as a rainy day self-help.

PICC Health Million Escort Care Insurance covers eight items, including driving self-driving accident care insurance, self-driving accident care insurance, water and land public transportation accident care insurance, aviation accident care insurance, elevator accident care insurance, major natural disaster accident care insurance, disease death insurance, health maintenance insurance, etc.

Not bad, it's true. It is a mid-end medical product with high cost performance in China, and the renewal of the product will not be affected by health problems during the sales period. Including ICU room fee and outpatient fee for 7 days before and 30 days after hospitalization, the service is relatively comprehensive.

Alipay sells it, and there is a green pass for medical treatment, which can provide hospitalization advance payment services, which can provide support for the hospitalization pressure caused by the onset of the disease. The progress of mid-end medical care compared with traditional commercial medical care lies in the out-of-pocket part of the burden and the repeated compensation for chronic diseases.

In order to avoid moral hazard, the regulator has restrictions on the death benefit of minors: 0-10 years old, up to 200,000; 10-18 years old, up to 500,000. Therefore, many critical illness insurance policies that include life insurance are refunded or twice the premiums paid when they die before the age of 18.

On the other hand, life insurance reflects the insured's unfulfilled responsibilities to the family, and minors who have no income are not financially responsible for the family, so it is of little significance to buy life insurance. The wise choice is to make a high critical illness sum insured at the right price. Of course, you can also buy life insurance to cover the risk of death in adulthood.

It's a matter of opinion.

PICC Health: A professional health insurance company under the shares of Chinese People's Insurance Group, full name: Chinese People's Health Insurance Shares****. It is the largest health insurance company in China; It's true.

Not good, about 70 out of 10 is fake, insurance or buy accidents and serious illnesses is better, dividends are deceptive, you enter an insurance, the salesman will earn half of your money. Only a portion of the dividends can be withdrawn when they expire after many years.

Don't listen to them fool you, Chinese Health Insurance Company sells insurance better than singing, saying that their products are the best in the world, the most suitable insurance for you, set you to buy insurance, once you buy, you find that the promises in the early stage are all gone. Money is also pitted, and it will fall into a dilemma, throw money, do not lose money, as long as you occupy the side of Chinese health insurance, don't think about living a good life.

Yes, I actually bought a lot of Chinese life insurance, I believe more, but it can be taken out at a certain time, but overall it is still more cost-effective, worth recommending.

The waiting period is strict.

The waiting period for this product is 90 days, and in the event of any of the following circumstances, the company shall not assume the insurance liability and return the premium paid to the policyholder without interest, and the validity of this contract shall be terminated.

Chinese health insurance is pretty good, it's true.

It is a cost-effective insurance in China, which can be trusted, and it is still very cost-effective overall. Purchase according to your own situation.

Chinese insurance is very good, but insurance products need to be tailored according to the actual situation of the individual, and insurance products closely related to the actual situation of the individual such as health medical insurance need to be comprehensively measured according to the individual. It is recommended that you contact the insurance company for consultation based on your actual situation, including age, occupation, physical health, etc., or you can go to the corresponding professional online insurance platform to compare and choose specific insurance products.

PICC Health, China's first professional health insurance company, full name Chinese People's Health Insurance Co., Ltd.****, is a very important professional company under Chinese People's Insurance Group.

PICC Health fully relies on the resource advantages of PICC, scientifically draws on the mature technology and management experience of international health insurance operation, always adheres to professional operation and refined management, actively explores the professional business model of China's commercial health insurance, and comprehensively leads China's commercial health insurance market. It's true.

Very good, Corning is the best, and Da Ruixin is also the insurance comprehensive protection in insurance.

Health insurance companies are similar, the key is to look at product liability and payment, but also pay attention to the choice of people.

Chinese Life is the only central enterprise, the product is really reliable, worth having!

Very good. Corning Whole Life Insurance, China Life Cancer Insurance, China Life Ruixin Insurance (Collector's Edition).

Of course, the health insurance of Chinese Life is good, especially the after-sales service, which is great, and the private chat can be tailored for you.

What suits you is the best, and what is tailored to your actual situation and needs is the best.

What suits you is the best, and it is recommended to consider the products of Fude Life Insurance.

No matter which insurance company is right for you, it is the best.

What you said is too general, there are many types of life insurance for Chinese, and it depends on his regulations.

1.The meaning is explained in popular language that in addition to critical illness insurance, health insurance is to solve small things, such as illness and hospitalization, etc., which directly helps the insured themselves, while life insurance is to solve major life events, and only after death can you get insurance money, take care of your family, and be the beneficiary.

2.The subject matter of the insurance is easy to explain, life insurance is the life of a person, in the case of the policy is valid, if the insured has a qualified survival or death situation, it belongs to the insurance company's protection, and health insurance protects the human body, if the insured body is unfortunate due to illness or accident, the cost of defeat can be compensated.

3.PurposeAs mentioned above, life insurance covers financial support provided due to the loss of life, and health insurance is more inclined to compensate for medical expenses.

4.There is an obvious difference between the beneficiaries, life insurance is for the future, and it is the future life of the insured's family after the misfortune, so the beneficiary of life insurance does not necessarily have to be himself, but the beneficiary of health insurance must be himself, because health insurance compensates for the present, and it is to reimburse the cost of treatment when physical problems occur.

5.The term of protection is very simple, the vast majority of life insurance is long-term insurance, and health insurance is divided into long-term and short-term insurance due to which dry belt is different.

6.The underwriting of health insurance is much more complicated than life insurance, after all, health insurance has more payment conditions than life insurance, and it is more complicated to deal with, because it is necessary to take into account the risks faced by the insured's body, and different products have different terms, deductibles, and exclusion clauses, so it is more difficult to work. On the other hand, insurance companies do not get a lot of clear reference information to deal with health insurance, so they can only rely on their own accumulation and experience, and the calculation of the sum insured and the settlement of claims also require a lot of people to pay.

In contrast, life insurance is simpler.

7.As far as life insurance and critical illness insurance are concerned, life insurance claims generally occur after the death of the insured, and health insurance is within the agreed scope of illness, disability, or ** expenses, etc., are the scope of health insurance claims, and the frequency of health insurance is far greater than that of life insurance, after all, people will only die once, but the number of illnesses is many times.

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

Chinese Life currently has some health insurance products on sale, whether it is necessary to buy, should be based on their own protection needs and premium budget and other actual conditions, combined with the specific performance of the product to decide, can not be generalized. For example, China Life Corningbao Whole Life Critical Illness Insurance (2021 Edition, Section C) provides protection liabilities for critical illness insurance benefits, additional benefits for specific critical illnesses, and death benefits. In fact, a good critical illness insurance should also cover the mild to moderate illness coverage corresponding to the high-incidence critical illness, and the corresponding proportions of these two benefits should reach 30% and 60% of the basic sum assured respectively.

You've been lied to for so many years.

In addition to critical illness insurance, million medical insurance is also a type of health insurance that we need to buy. Million medical insurance is mainly to reimburse part of the expenses of social medical insurance that are not reimbursed, and the specific reimbursement ratio is generally determined according to whether it is reimbursed by social security. When applying for insurance, we need to focus on many aspects such as protection liability, deductible, and whether renewal is guaranteed.

But in addition to health insurance, accident insurance is also an indispensable type of insurance for each of us. When buying accident insurance, you can pay attention to whether the product provides accidental medical treatment, Biyan sudden death protection, etc. If you're not sure what kind of insurance you should buy, then this article can give you some ideas:

With so many types of insurance, which one should I buy first?

In fact, we don't have to be limited to one insurance company when we buy insurance. As long as it is an insurance company established in our mainland, it is very reliable, because the China Banking and Insurance Regulatory Commission conducts strict review and supervision behind the scenes. Therefore, you can shop around and choose the most suitable product to insure after comprehensive consideration.

Like Tongfang Global Versailles PLUS, Guolian Life Darwin No. 7, etc., are very good critical illness insurance products. Senior sister has done a detailed evaluation before, you may wish to take a look at what excellent critical illness insurance looks like:Versailles Plus Critical Illness Insurance is back, a must-see before buying a deep regret base silver review!

Hope.