"Beautiful Women" Protection Plan
This project consists of old-age security, a beautiful woman, and long-term critical illness insurance, and a beautiful woman. )
Beauty comes from the heart and from health.
From being cared for and cared for
Love yourself and your family,
Love to be a beautiful woman.
Product characteristics
Multiple payments for major diseases
Special care premium exemption
Transfer the risk of death and disability
Give a gift at the expiration, and wish you a long life.
Simple insurance rules
Insurance age 18 to 50 years old.
The insurance period is 80 years old.
Payment methods include quarterly payment, semi-annual payment and annual payment.
The payment period is 10 years, 15 years, 20 years, to 55 years old.
Minimum premium 1 1,000 yuan/down payment (including additional insurance premium).
* Each insured person can only have one valid policy.
Examples of insurance
Ms. Jin, 26 years old, married, with a fashionable pink collar (running a Taobao shop by herself). Besides working and taking care of the family, she also attaches great importance to her health on weekdays, so she bought herself a pretty woman protection plan: the basic insurance amount is 200,000, the payment is 20 years, and the annual premium is 8 660 yuan.
The insurance benefits enjoyed by Ms. Jin can are as follows:
Death and total disability payment
If Ms. Jin unfortunately dies or is totally disabled, she can get 200,000 yuan as death disability insurance, and the effectiveness of this contract and supplementary contracts will be terminated.
be payable at maturity
When Ms. Jin lives to 80 years old, she can get 200,000 yuan as maturity insurance money, and the effectiveness of this contract and supplementary contracts will be terminated.
The cost of a particular disease or operation.
1, female-specific carcinoma in situ
If Ms. Jin is unfortunately diagnosed with the following female-specific carcinoma in situ for the first time, she can get 40,000 yuan as the insurance premium for female-specific carcinoma in situ, and the insurance liability is terminated.
Female-specific carcinoma in situ refers to carcinoma in situ of breast, cervix, uterus, ovary, fallopian tube, vagina and vulva.
2. Accidental facial plastic surgery
If Ms. Jin unfortunately suffers from facial disfigurement due to an accidental injury accident and receives facial plastic surgery within 180 days from the date of the accidental injury accident, she can get 40,000 yuan as accidental facial plastic insurance money, and this insurance liability is terminated.
3. Lupus erythematosus
If Ms. Jin is unfortunately diagnosed with systemic lupus erythematosus for the first time, she can get 40,000 yuan as insurance money for systemic lupus erythematosus, and the insurance liability is terminated.
4. Female-only surgery
If Ms. Jin unfortunately has the following female-only surgery, she can get 40,000 yuan as medical insurance for female-only surgery, and this insurance liability is terminated.
Female-specific operations refer to: total mastectomy, hysterectomy and bilateral ovariectomy.
5. Severe rheumatoid arthritis
If Ms. Jin is unfortunately diagnosed with severe rheumatoid arthritis for the first time, she can get 40,000 yuan as the insurance premium for severe rheumatoid arthritis, and this insurance liability is terminated.
Compensation for major illness
1, the first major illness payment
If Ms. Jin is unfortunately diagnosed with one or more serious diseases mentioned in this protection plan for the first time, and it has been 28 days, she can get 200,000 yuan as the first serious illness insurance money, the insurance liability in this clause is terminated and the cash value of the supplementary contract is zero, and this supplementary contract and its main contract continue to be valid.
2, the first critical illness insurance fee exemption.
If Ms. Jin is unfortunately diagnosed with the first serious illness and has lived for 28 days, the company will not only pay 200,000 yuan for the first serious illness insurance, but also exempt the insurance benefits in subsequent periods of this protection plan, and this protection plan will continue to be effective.
3, the second major illness compensation
If, unfortunately, Ms. Jin is diagnosed with the major disease mentioned in this protection plan for the first time after 365 days from the date of the first serious illness diagnosis, and she belongs to a different group from the first serious illness, she can get 200,000 yuan as the second serious illness insurance, and this protection plan will be terminated.
Main diseases (***33 species, divided into 2 groups)
The first group of major diseases
1, malignant tumor-exclude some early malignant tumors.
2, large organ transplantation or hematopoietic stem cell transplantation-allogeneic transplantation.
3. End-stage renal disease
(or uremia stage of chronic renal failure)-dialysis treatment or kidney transplantation is needed.
4. Acute or subacute severe hepatitis
5. Benign brain tumor-requires craniotomy or radiotherapy.
6. Decompensation period of chronic liver failure-excluding 7. Severe third-degree burns caused by alcoholism or drug abuse-reaching at least 20% of body surface area.
8. Severe aplastic anemia
9. Severe cardiomyopathy
10, infected with HIV due to blood transfusion
1 1, chronic recurrent pancreatitis
12, renal medullary cystic disease
13, severe systemic sclerosis
The second group of major diseases
1, acute myocardial infarction
2, sequelae of stroke-permanent sexual dysfunction
3. Coronary artery bypass grafting
(or coronary artery bypass grafting)-need to open the chest.
4. Loss of multiple limbs-complete amputation
5, encephalitis sequela or sequelae of meningitis-permanent sexual dysfunction.
6. Deafness in both ears-permanent irreversibility
7. blindness-permanent irreversibility
8, heart valve surgery-need to do chest surgery.
9. Severe Alzheimer's disease-complete loss of independent living ability.
10, severe craniocerebral injury-permanent dysfunction 1 1, severe Parkinson's disease-complete loss of independent living ability.
12, severe primary pulmonary hypertension-heart failure.
13, severe motor neuron disease-complete loss of independent living ability
14, loss of language ability-complete loss and active treatment for at least 12 months.
15. Aortic surgery-thoracotomy or laparotomy is required.
16, severe multiple sclerosis
17, severe coronary heart disease
18, polio
19, systemic myasthenia gravis
20, severe muscular dystrophy.
Among them, 23 species adopt the categories and definitions of major diseases stipulated in the Specification for the Use of Definitions of Diseases in Critical Illness Insurance issued by insurance institute of china in March 2007, and another 65,438+00 species are newly added by our company.
Critical care and value-added services
According to Ms. Jin's basic insurance coverage, she can enjoy the above insurance benefits and our value-added services for critical illness care:
1, online medical consultation service
2. Full medical guidance.
3. Second medical advice from domestic experts
Divide the service scope according to the basic protection scope of the Pretty Woman Protection Plan:
Number of service items of basic insured members
1-99000 gold card
1, online medical consultation service
2. Full medical guidance.
3. The second medical opinion project of domestic experts 1 unlimited times.
Item 2 or 3 is only accumulated once for each group of major diseases.
10-299000 platinum card
1, online medical consultation service
2. Full medical guidance.
3. The second medical opinion project of domestic experts 1 unlimited times.
Item 2: One major disease in each group.
Item 3: One major disease in each group.
300,000 and above diamond cards
1, online medical consultation service
2. Full medical guidance.
3. Second medical advice from domestic experts
4. Second medical advice from foreign experts
1 is not limited.
Item 2: One major disease in each group.
Item 3: One major disease in each group.
Item 4 is limited to one time.
note:
1) The customer is the insured of this protection plan (Ms. Jin). Except for the first service, the other three services are only available to Ms. Jin.
I use it;
2) Only when the customer is suspected or preliminarily diagnosed with one of the 33 serious diseases mentioned in the contract can he apply for related services;
3) If the basic coverage of the Pretty Woman Protection Plan changes, Ms. Jin's membership will be adjusted accordingly, and the major illness protection services she enjoys will be determined according to the new basic coverage from the date of change, and the number of services during the whole policy period will be limited by the new standards.
exonerate
Endowment insurance, beautiful woman
If the insured dies or is totally disabled due to one of the following circumstances, the Company will not be responsible for paying the death or total disability insurance money:
1, the insured intentionally kills or injures the insured;
2. The insured intentionally commits a crime or resists criminal compulsory measures taken according to law;
3. The insured commits suicide within 2 years from the date of the establishment of this contract or the restoration of this contract, except that the insured commits suicide as a person without civil capacity;
4. The insured takes the initiative to take or inject drugs;
5. The insured is drunk driving, driving without a valid driver's license or driving a motor vehicle without a valid driver's license;
6. War, military conflict, riots, terrorist acts or armed rebellion;
7. Nuclear explosion, nuclear radiation or nuclear pollution.
If the insured dies or is totally disabled due to the above-mentioned situation of 1, this contract and additional contracts will be terminated, and the Company will return the cash value of the insurance policy to other obligees.
If the insured dies or is totally disabled due to the above-mentioned other circumstances, this contract and the supplementary contract will be terminated, and the company will return the cash value of the insurance policy to the applicant.
Additional Beauty Long-term critical illness insurance
The Company shall not be liable for the payment of insurance benefits if the insured has an insurance accident under any of the following circumstances:
1, the insured intentionally kills or injures the insured;
2. The insured intentionally injures himself, intentionally commits a crime or resists arrest;
3. The insured smokes, smokes or injects drugs;
4. The insured is drunk driving, driving without a valid driver's license or driving a motor vehicle without a valid driver's license;
5. The insured is infected with HIV or suffers from AIDS (except for those infected by blood transfusion, see Item 29 of Article 13 of this Supplementary Contract for details);
6. War, military conflict, riot or armed rebellion;
7. Nuclear explosion, nuclear radiation or nuclear pollution;
8. Hereditary diseases, congenital malformations, deformities or chromosomal abnormalities.
In case of the above-mentioned 1, the supplementary contract and the main contract are terminated, and the company will return the cash value of the supplementary contract and the main contract to other obligees.
In case of the above-mentioned items 2 to 8, the effectiveness of the supplementary contract and the main contract will be terminated, and the Company will return the cash value of the supplementary contract and the main contract to the insured.
(This product introduction is for reference only, which is subject to the insurance contract. )