人寿康宁终身保险20年后给退款吗(中国人寿康宁终身重大疾病保险)

终身重大疾病保险

人寿康宁终身保险20年后给退款吗(中国人寿康宁终身重大疾病保险)

终身重大疾病保险为被保险人提供终身的保障。终身保障有两种形式,一是为被保险人提供的重大疾病保障,直到被保险人身故;另一种是当被保险人生存至合同约定的极限年龄(如100周岁)时,保险人给付与重大疾病保险金额相等的保险金,保险合同终止。一般终身重大疾病保险产品都会含有身故保险责任,因风险较大费率相对比较高。

Lifetime critical illness insurance provides life-long protection for the insured. There are two forms of lifetime protection. One is to provide the insured with major illness protection until the death of the insured; the other is when the insured has survived to the maximum age (such as 100 years old) stipulated in the contract, the insurer The insurance premium equal to the critical illness insurance amount is paid, and the insurance contract is terminated. Generally, lifelong critical illness insurance products will contain death insurance liability, because the risk is relatively high and the rate is relatively high.

01产品特色

<<<<

1、投保即可获得重大疾病保险金、特定疾病保险金、身体高度残疾保险金以及身故保险金多重保障;

2、重疾范围行业领先全面承保中国保险行业协会制定的25种重大疾病、其他15种重大疾病以及10种特定疾病;

3、特定疾病 提前给付,针对10种特定疾病,提前给付基本保险金额20%的特定疾病保障;

4、未成年人身故保障可以高于10万元,不受保监会相关法规限制;

5、高残意外 尽显关爱,在给付特定重疾保险金的情况下同时给付身体高度残疾保险金或身故保险金时,尽显人性关爱。

1.Illness insurance, high physical disability insurance, and death insurance after you purchase the insurance;

2. The scope of critical illness is the industry’s leading comprehensive underwriting of 25 critical diseases, 15 other critical diseases and 10 specific diseases specified by the Insurance Association of China;

3. Specific diseases: Early payment. For 10 specific diseases, 20% of the basic insurance amount will be paid in advance for specific diseases;

4. The death protection of minors can be higher than 100,000 yuan, which is not restricted by relevant regulations of the China Insurance Regulatory Commission;

5. High-disability accidents Fully show caring, and when paying high-disability insurance money or death insurance money in the case of paying specific critical illness insurance money, it shows full human care.

02优势

<<<<

一、承保80%的重大疾病

国寿康宁终身重大疾病保险承保20种重大疾病,其中6种是保监会规定的必保疾病。从范围上来讲其所承保的疾病涵盖了大部分发病率极高的重大疾病,对疾病的定义与使用都符合《重大疾病保险的疾病定义使用规范》。

康宁终身所承保二十种疾病包含了重疾发生率中的80%。有人也许会问市场上很多重疾保险所承保的疾病不止二十种,有点甚至三到四十种,而康宁保险会不会承保的太少。在选择重疾保险时,并不是所承保的疾病越多越好,当然其所产生的费用也会越高。例如,在一些重疾保险产品中承保克罗恩病。

二、300%的赔付

被保险人在保险期间内,初次发生并经专科医生明确诊断患本合同所指的重大疾病,保险公司按基本保险金额的300%给付重大疾病保险金;被保险人身故,会按基本保险金额的300%给付身故保险金。

此外,国寿康宁终身作为中国人寿旗下的一款产品,销售十余年而经久不衰,成为一个经典。国寿康宁随着时间的累积已成为人们心中的一个重要品牌,品牌效应仍会影响人们的消费习惯。

Cover 80% of major diseasesChina Life Corning Lifetime Critical Illness Insurance covers 20 major diseases, of which 6 are compulsory diseases stipulated by the China Insurance Regulatory Commission. In terms of scope, the diseases covered by it cover most of the major diseases with extremely high morbidity, and the definition and use of diseases are in line with the “Specifications for the Use of Disease Definitions in Critical Illness Insurance”.The twenty diseases covered by Corning Lifetime cover 80% of the incidence of serious illnesses. Some people may ask that many critical illness insurances on the market cover more than 20 kinds of diseases, some even 30 to 40 kinds of diseases, but Corning Insurance will cover too little. When choosing critical illness insurance, it is not that the more diseases covered, the better, of course, the higher the cost will be. For example, Crohn’s disease is covered in some critical illness insurance products.

300% payout During the insurance period, if the insured first occurs and has been diagnosed by a specialist doctor to have a major illness referred to in this contract, the insurance company will pay 300% of the basic insurance amount for the major illness insurance; if the insured dies, the basic insurance will be paid 300% of the amount pays death insurance money. In addition, as a product of China Life Insurance, Corning Life has been sold for more than ten years and has become a classic. China Life Corning has become an important brand in people’s hearts over time, and the brand effect will still affect people’s consumption habits.

03 投保案例

<<<<

张明明,2017年6月21日在代理人的介绍下向中国人寿保险公司为自己投保了“国寿康宁终身重大疾病保险”,保险金额50万保险期间为终身,采用十年交费方式,以现金方式交纳保险费。约定下一年度2018年6月21号自动交费续保。

中国人寿保险公司续期收费员于2018年6月21日查询2018年6月1日至2018年6月30日到期的保单,并向银行发出续期保费扣款通知。银行柜员扣款后发出回执单。保险公司接收回执单后,续期保费即办理完成。

Zhang Mingming, on June 21, 2017, under the introduction of his agent, he insured himself with the China Life Insurance Company “China Life Corning Lifetime Critical Illness Insurance”. The insurance amount is 500,000. The insurance period is life, and the payment method is used for ten years. Pay insurance premiums in cash. It is agreed that the insurance will be renewed automatically on June 21, 2018 in the next year.

On June 21, 2018, the renewal toll collector of China Life Insurance Company inquired about the insurance policies that expired from June 1, 2018 to June 30, 2018, and issued a notice of deduction of the renewal premium to the bank. The bank teller issues a receipt after deduction. After the insurance company receives the receipt, the renewal of the premium is completed.

04 保险条款

发表评论

登录后才能评论