How to report a sick illness within 180 days

Xueba talks about insurance, focusing on insurance product evaluation! Many people ask about critical illness insurance, and you will know by looking at this comparison table"Comparison Table between Jinyou Life and National Popular Critical Illness Insurance".

The observation period of Pacific King's life is 180 days, and there will be no claim for illness within this 180 days. Premiums will be refunded.

Jinyou Life is known as a critical illness insurance that integrates protection and makes money, and whether the insurance is good or not depends on the protection first:

The product form of Jinyou Life is "single compensation for critical illness + 3 compensation for mild illness", and it has been constantly complained about since its launch, is Jinyou life really bad?

Judging from the content of the analysis, it is not difficult to find that many of these complaints are correct, and it still has many shortcomings, such as some of the following 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. Many excellent and even ordinary critical illness insurance companies on the market have started with a payout ratio of 30%.

2. Lack of protection for moderate illness

Unable to provide moderate illness protection, the excellent critical illness insurance on the market has already added moderate illness protection, and compared with critical illness, moderate illness and mild illness are often the precursors of critical illness, and the pressure in the early stage of critical illness is relieved by moderate illness protection.

3. The dividend protection is slightly poor

Next, let's talk about the two kinds of dividends of Jinyou's life: annual dividends and final dividends.

Annual Dividend: As the name suggests, it refers to the dividend that can be received every year. Dividends are not paid directly to the insured, but are accumulated in the policy and can increase the sum assured for critical illness.

Terminal bonus: paid upon termination of the contract, divided into care payment and special bonus. However, you can't lose all of these 3 bonuses, you can only choose one.

4. Premiums are expensive

After reading **, we can find that if you buy a lifetime insurance for a 30-year-old man, 500,000 sum insured, and pay in 20 years, the annual premium is very high, close to 20,000! It can be said that it is very expensive.

Summary: From the overall protection analysis, Jinyou Life is a cost-effective insurance, **expensive, but the protection is not comprehensive, if the budget is sufficient, there are better options under the same conditions, if you are interested, you can take a look:"Ten critical illness insurances that are much more cost-effective than Jinyou Life".

Thanks for reading, hope!

Xueba talks about insurance, focusing on insurance product evaluation! The limited-time benefits are coming: a comparison table of 136 popular critical illness insurances in the country, free of charge

Jinyou Life is a critical illness insurance that can pay dividends, and many people are tempted to hear that they can pay dividends, but I think it is not cost-effective, and the specific reasons I have written before:

"It's true that the Internet says that Jin You's life is not good? 》

will help you.

Let me briefly talk about the advantages and disadvantages of Kim You's life:

Advantages: 1) The setting of dividends makes the sum insured not so serious as the depreciation with inflation, but it has little effect;

1) The company where Jinyou Life works is Pacific Insurance, which has strong strength, has cultivated a large number of offline people, and has many service outlets, which makes it very convenient to apply for insurance and settle claims.

Disadvantages: Honestly, there are a lot of disadvantages.

The performance of Jinyou Life in terms of dividends and premiums has not been able to satisfy consumers, and more importantly, not only that, but in terms of disease protection, Jinyou Life is also very average! Yes, it's more detailed, there are too many words, and I've written the reasons in this article, you can take a look"It's true that the Internet says that Jin You's life is not good? 》。

In general, although Jinyou Life has a high brand awareness, it is not cost-effective. I still recommend that you separate your protection and financial management in order to buy the most suitable product for you.

Hope, thank you!

The waiting period of Jinyou Life is 180 days, and if a critical illness occurs during the waiting period, the premium paid will be refunded, and no claim will be made, and the policy will be terminated.

Summary. Hello, Pacific Insurance Jinyou Life has a value guarantee, there are dividends, and the insured amount increases with dividends. The disadvantage of this insurance is that it is more expensive.

Hello, Pacific Insurance Jinyou Life has a value guarantee, there are dividends, and the insured amount increases with dividends. The disadvantage of this insurance is that it is more expensive.

Regarding the death benefit you mentioned, yes. If the insured dies, the beneficiary of the insurance can get a death benefit of 100,000 yuan if he is a child. Kim Woo Life's death liability.

Death Benefit Jinyou Life is guaranteed for life, so it has death protection, whether it is illness, natural or accidental death, then the insurance company will lose money. However, the death benefit is paid in two cases: If the insured person dies under the age of 18, the insurance company will pay the death benefit based on the premiums paid.

If the insured person dies after reaching the age of 18, the insurance company will pay the death benefit according to the basic sum assured. Jinyou Life 2018 Advantages: Sum Insured Growth Annuity Conversion:

If the insurance is not out of the agreed age, the policyholder can choose to convert it into an annuity, and the use of funds is more flexible and bold Disadvantages: Minor illness protection is not sufficient: It does not include "chronic renal failure" and "unilateral renal resection", which are the two more common mild disease benefits Minor illness is only paid once, and the number of times is less Dividends are uncertain, even in the case of mid-range and low-grade dividends, the cost performance is still low.

In the 2017 version of Pacific Life Insurance, there are 88 kinds of diseases and 20 kinds of diseases reimbursed by Jinyou Life.

The 88 types of serious illness include malignancy, acute myocardial infarction, sequelae of stroke, major organ transplantation or hematopoietic stem cell transplantation, coronary artery bypass grafting, end-stage renal disease (or uremia phase of chronic renal failure), multiple limb loss, acute or subacute severe hepatitis, benign brain tumor, compensatory period of chronic liver failure, sequelae of encephalitis or sequelae of meningitis, deep coma, deafness, blindness, paralysis, heart valve surgery, severe Alzheimer's disease, severe brain injury, severe Parkinson's disease, There are 25 serious diseases such as severe Parkinson's disease, severe Parkinson's disease, severe burns, severe primary pulmonary hypertension, severe motor neuron disease, loss of speech ability, severe aplastic anemia, and aortic surgery.

The 20 specific diseases include malignant lesions, atypical acute myocardial infarction, mild stroke, coronary intervention, heart valve intervention, severe visual impairment, intra-aortic surgery, pituitary tumors, brain cysts, cerebral aneurysms and cerebral hemangiomas, region-specific III burns, severe head trauma, primary pulmonary hypertension, motor neuron disease, unilateral pneumonectomy, carotid angioplasty or endarterectomy, mild cranial surgery, deafness in one ear, pacemaker or defibrillator implantation, pericardial resection, Hepatic lobectomy, single limb.

Summary. Causes: Brain problems can be caused by a variety of reasons, including lack of nutrition, lack of sleep, lack of exercise, environmental pollution, genetic factors, etc.

Workaround:1Fortified Nutrition:

It is necessary to pay attention to the intake of sufficient nutrients to ensure adequate brain nutrition; 2.Strengthen sleep: ensure adequate sleep to ensure that the brain is rested; 3.

Strengthen exercise: Exercise regularly to promote blood circulation in the brain; 4.Avoid environmental pollution:

Try to avoid exposure to environmental pollution to reduce damage to the brain; 5.Follow your doctor's instructions: If you have brain problems, you should seek medical attention and take your medication as directed.

Personal tip: Pay attention to your nutrition, sleep, exercise, and environmental pollution to protect your brain health, and seek medical attention in time and take your medication according to your doctor's instructions to ensure brain health. Related Knowledge:

Brain health is an important part of human health, and the condition of brain health can affect a person's memory, thinking ability, emotional state, etc. Therefore, it is important to take care of brain health to ensure physical and mental health.

Is there any compensationHello, according to the insurance terms of the trapped digging insurance product you purchased, you can check whether there is a clause for subsequent compensation. If so, you can apply for compensation in accordance with the provisions of the insurance policy.

You've done a great job! Can you elaborate on that?

Causes: Brain problems can be caused by a variety of reasons, including lack of nutrition, lack of sleep, lack of exercise, environmental pollution, genetic factors, etc. Workaround:

1.Strengthen nutrition: pay attention to the intake of sufficient nutrients to ensure adequate brain nutrition; 2.

Strengthen sleep: ensure adequate sleep to ensure that the brain is rested; 3.Intensify your exercise:

Exercise regularly to promote blood circulation in the brain; 4.Avoid environmental pollution: Try to avoid exposure to environmental pollution to reduce damage to the brain; 5.

Follow your doctor's instructions: If you have brain problems, you should seek medical attention and take your medication according to your doctor's instructions. Personal Tips:

Pay attention to your own nutrition, sleep, exercise, and environmental pollution to protect your brain health, and seek medical attention in time, and take medication according to your doctor's instructions to ensure brain health. Related knowledge: Brain health is an important part of human health, and the condition of brain health can affect people's memory hall, thinking ability, emotional state, etc.

Therefore, it is necessary to pay attention to protecting the health of the brain and ensuring physical and mental health with the repentant spine.

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%.