Many friends have come to consult their senior sister. Is this product really cost-effective? Is it worth insuring?
Today, Senior Sister will evaluate this product to see if it is worth insuring!
If you want to see the evaluation results quickly, please read this article:
"Is the personal long-term care insurance for a healthy and beautiful life really that good? These truths must be seen. "
1. What is the coverage of personal long-term care insurance for a better life?
For a better life, let's get familiar with the protection of personal long-term care insurance:
1. Nursing insurance premium
If the insured is alive when he is disabled under the conditions agreed in the contract, he can apply for nursing insurance money at this time.
Conditions for applying for nursing insurance:
Since the effective date of the contract, it has been more than 180 days due to accidental injury or illness;
If the disability is only physical structural disability, it will be paid according to 10 times of the monthly insurance amount of long-term care on the first appraisal date;
Disability with physical disability, identification to the end of the observation period. Those who meet the contract shall be paid according to 10 times of the monthly insurance amount of long-term care on the first appraisal date.
This is still good. After the insured or the insured obtains this part of compensation, it can make up for the economic losses and reduce the economic burden faced by the family to a certain extent.
2. Long-term care insurance
If the insured suffers from accidental injury, or the daily living ability of the insured is hindered by illness within 180 days after the contract comes into effect, and the degree of disability agreed in the contract is reached, the long-term care insurance premium will be paid monthly according to the monthly insurance amount of long-term care on the first appraisal date, with the longest payment period of 360 months.
Assuming that the elderly in the family meet the above conditions, it also means that the insured can receive a sum of money every month in the future, either directly until the insured is completely disabled, or the longest payment period is 30 years! In fact, it has done a good job in this respect.
3. Disease death insurance
When the insured dies of illness, the insurance company will pay the sickness death insurance, and the payment amount is the premium/cash value, minus part of the long-term care insurance amount already received.
Therefore, if the insured dies unfortunately during the protection period, he can also apply for a sum of money as the inheritance of his children.
Second, a better life, personal long-term care insurance and these highlights!
1. Flexible payment period
In order to live a better life, the payment methods of personal long-term care insurance are divided into wholesale payment and regular payment. The options for regular payment are 5 years, 10 years, 20 years and 30 years, and the payment period and payment method are flexible. After all, for some common insurance products on the market, some do not mention the wholesale payment for consumers, and some have very few payment terms to choose from. Therefore, personal long-term care insurance for a better life is still very good in this respect.
So how to choose the payment period? The longer the payment period, the better, or the shorter the better. This article gives you an answer:
"How to choose the payment period so as not to lose money? 》
2. Premium exemption
Moreover, in order to support the insured's exemption right with personal long-term care insurance for a better life, the insurance company will not charge the insured's subsequent premium after paying the nursing insurance premium. This right is excellent, which is conducive to reducing a lot of expenses for the insured. At the same time, the contract has not expired, and the protection it enjoys can still be enjoyed.
What are the benefits of free premium? Little friends who don't know can read this article to find out:
Will the premium be exempted? Do I have to choose insurance? 》
The insured amount is increasing.
In order to live a better life, the basic nature of personal long-term care insurance is also long-term care insurance premium. When the insured reaches the policy anniversary date corresponding to the age of 60, the amount agreed in the contract will be increased once after five policy years. Each increase is based on 5% of the basic insurance amount. The total increase is up to 20% of the basic insurance amount.
Of course, there is a premise to increase the insured amount. The prerequisite is that during the insurance period, if the insured has not died on the policy anniversary corresponding to the 60-year-old age, and there is no insurance accident agreed in the contract.
This is not bad. If the insured is still alive after the age of 60, it is possible that the long-term care insurance premium will be larger and larger in the future.
Generally speaking, for a better life, personal long-term care insurance has a higher cost performance. Not only is the payment period flexible and comprehensive, but the effective protection increases year by year after the anniversary of the 60-year-old policy, and it also provides premium exemption, which is still worth buying on the whole.
Write it at the end
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