Pacific Antai Life Insurance, the issuing company: Once joined hands to care for the permanent company details >>& gt
The product features are fully guaranteed and the coverage is wide.
Death, total disability and major illness protection (covering 2 1 major illness)
Unique disease, multiple care
Guarantee four kinds of female-specific diseases: female-specific cancer in situ, accidental facial plastic surgery, systemic lupus erythematosus, and female-specific surgery.
Return at maturity, worry-free pension
At the age of 70, you can get a full pension.
Simple insurance clause
Insurance age: 18 -50 years old
Underwriting amount: minimum RMB 6,543,800+0,000.
Payment method: annual payment, semi-annual payment and quarterly payment.
Payment period: 10 years, 15 years, 20 years, until the age of 55.
Insurance period: until the insured is 70 years old.
2 1 Major diseases include cancer (malignant tumor), acute myocardial infarction, stroke, major organ transplantation, chronic renal failure (uremia), chronic liver failure, Parkinson's disease, severe burns, paralysis, aplastic anemia, deep coma, benign brain tumor, fulminant hepatitis, severe primary pulmonary hypertension, chronic respiratory failure, and severe dementia (including Alzheimer's disease).
Female-specific carcinoma in situ includes carcinoma in situ of breast, cervix, uterus, ovary, fallopian tube, vagina and vulva.
Surgery for women includes total mastectomy, hysterectomy and bilateral oophorectomy.
Example of insurance Ms. An, 30, has a successful career, is married and has children. Nearly middle-aged, she insured this plan for herself, with the insured amount of 65,438+10,000 yuan and the annual premium of 3,630 yuan, with an average of 9.95 yuan per day. Since then, Ms. An's "good life" has been fully guaranteed.
Description of specific insurable interest:
Payment for major illness:
If Ms. An is diagnosed with any of the major diseases mentioned in this plan for the first time, she can get insurance money100000 yuan to compensate medical expenses, and the effectiveness of this plan will be terminated.
Women's specific cancer in situ insurance:
If Ms. An is diagnosed with any female-specific cancer in situ for the first time, she can get insurance money of 20,000 yuan to compensate medical expenses, and the insurance liability will be terminated.
Female specific surgery insurance:
If Ms. An receives female-specific surgery (regardless of one or more types), she can get 20,000 yuan of medical insurance for female-specific surgery, and this insurance liability is terminated.
Accidental facial plastic surgery:
If Ms. An's face is damaged due to an accidental injury accident, and she receives facial plastic surgery treatment within 180 days from the date of the accidental injury accident, she will receive an accidental facial plastic insurance premium of 20,000 yuan, and this insurance liability will be terminated.
Systemic lupus erythematosus:
If Ms. An is diagnosed with systemic lupus erythematosus for the first time, she will receive 20,000 yuan of systemic lupus erythematosus insurance, and this insurance liability will be terminated.
Compensation for death or total disability:
If Ms. An dies or is totally disabled before the age of 70, she can get an insurance premium of 65,438+000,000 yuan as compensation for the death and total disability, and the effectiveness of this plan will be terminated.
Premium due:
If Ms. An reaches the age of 70 safely, she can receive 65,438+000,000 yuan of pension insurance, and the effectiveness of this plan will be terminated.
Exemption from liability If the death or total disability of the insured in this plan is caused by one of the following reasons, the company will not be liable for paying the death or total disability insurance:
1. Intentional behavior of the insured and the beneficiary towards the insured;
2. Injuries intentionally caused by the insured;
3. The insured commits suicide within two years from the effective date of this contract or within two years from the final reinstatement date of this contract;
4. The insured participates in fighting, committing a crime, resisting arrest or smoking, smoking or injecting drugs;
5. The insured suffers from AIDS or is infected with HIV (HIV positive);
6. War, military acts, riots, terrorist acts or armed rebellion;
7. During a nuclear explosion, nuclear radiation or pollution and diseases caused by it.
If the insured's insurance accident in this plan is caused by one of the following reasons, the company will not be responsible for paying the serious illness insurance premium and special illness insurance premium:
1, paragraphs 1-2 and 4-7 of the death and total disability liability exemption clause;
2. Accidental injury or disease (or symptom) or its recurrence suffered by the Insured before the Supplementary Contract comes into effect, or disease (or symptom) or its recurrence suffered by the Insured within 90 days from the effective date (or reinstatement) of the Supplementary Contract;
3. The insured commits suicide;
4. The insured drinks alcohol or is under the influence of alcohol or controlled drugs;
5. The insured has no valid driver's license, drunk driving, driving without a license or driving a motor vehicle prohibited by law;
6. The insured is caused by hereditary disease, congenital disease, congenital malformation, defect, mental illness or venereal disease.
From 24: 00 on the date of liability exemption, the effectiveness of this plan will be terminated, and the company will refund the cash value of this plan at that time. However, if the insurance premium is not paid for two years, the insurance premium will be refunded after deducting the handling fee.
Pacific Insurance Company has been occupying the top three market share in China, and in June of 20 10, it was the only insurance company in Chinese mainland that won the title of "Best Insurance Company in Asia"!
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.