My brother is engaged in water and electricity installation. Ask a professional to know what insurance he is suitable for.

If you don't understand, go to Qian Bao. And consult experts. You should buy old-age insurance earlier, but if you buy it now, it will be rejected.

Product introduction:

"Fu You Tiannian" card is one of the exclusive products of self-service insurance card of China Ping 'an Property Insurance Co., Ltd. This card is exclusively issued by Ping 'an, China, with a guarantee period of 1 year. Insurance responsibilities include emergency medical treatment of accidental injuries, protection of fractures and joint dislocations, and emergency medical guidance before and after hospital.

Insurance period: 1 year

Insurance age: 3-80 years old

Insurance limit: 1-3 high-risk occupations are refused insurance, and only 2 copies are allowed.

Insurance liability:

Traffic accident injury death traffic accident injury disability non-traffic accident injury death non-traffic accident injury disability accidental fracture/dislocation insurance premium accidental injury medical insurance premium accidental injury hospitalization allowance.

40,000 yuan 40,000 yuan 20,000 yuan 3000 yuan 20 yuan/day.

Product features:

● Tailor-made design for the elderly, ensuring the accidents of the elderly, highlighting the fine traditions of China, and relieving the worries of the elderly.

● double indemnity, a traffic accident, makes travel more secure.

● accidental fracture protection, so that family members can feel more at ease.

● Accidental care allowance helps you hire a nanny and reduce the burden on your family.

● Timely rescue expenses can solve urgent needs.

● Expert diagnosis, medical guidance and universal use.

State general insurance and general compensation

● Emergency rescue service

(1) 24-hour Chinese-English-Korean medical rescue telephone. After receiving the rescue call, the call center provides basic on-site medical rescue knowledge and psychological support for the parties in distress. Services are available 24 hours a day, 7 days a week.

For example, Mrs. Li, a Korean, lives in Qingdao with her son. One day, she was alone at home and was badly burned by boiling water. She quickly dialed the * * * rescue number and requested the assistance of the global rescue company. The customer service staff of the global rescue call center gave her first aid guidance in Korean, instructed her to immediately wash the scalded area with cold water, and immediately contacted the medical staff of the network hospital to come to the door, and quickly transferred Mrs. Li to the local network hospital for treatment.

(2) Call center to assist in reporting the case and contact the family members of the parties. According to the situation of the incident and the requirements of the parties, the call center will assist the parties to report the case to the relevant institutions at the first time, and contact the families of the parties to follow up the progress of the incident; Provide basic medical information and psychological support for family members.

For example, an elderly friend in Beijing took part in a sunset tour group to Zhangjiajie, Hunan Province, and unfortunately fell down while walking on a mountain road, resulting in a femoral neck fracture. The tour group immediately called the service number of Global Rescue Company to report the case. After receiving the rescue call, Global Rescue Company quickly arranged the local network hospital for the insured to give first aid. At the same time, contact the insured's family to inform the insured of the injury and nursing situation. At the same time, after consultation with family members, the preliminary plan of continuing treatment in the network hospital after being transported back to Beijing was determined. At the same time, the rescue company also reported the case through our company's 955 12 telephone center. Contact company claims personnel to participate in accident handling.

(3) Assist in arranging emergency vehicles and recommend the nearest hospital. The call center assists the parties in arranging emergency vehicles and provides the parties with the information of the nearest network hospital. The time limit for emergency vehicles to arrive at the rescue site shall be implemented according to the requirements of the accident site 120 rescue service specification.

For example, when an elderly friend in Jiangsu went out for a walk and walked his dog at night, he accidentally fell down and broke his pelvis. He couldn't stand and walk immediately, and the pain was unbearable. After the insured made a global rescue call with his mobile phone, the global rescue company quickly informed the nearest network hospital to rush to the scene and send the elderly to the network hospital for treatment.

(four) pre-hospital medical emergency guidance, professional authorized doctors to guide the on-site medical emergency at the first time by telephone.

For example, an elderly friend in Chongqing was injured by something on the shelf while shopping, resulting in a broken collarbone. The mall called the global elderly rescue phone for the first time. Global Rescue Company instructs the on-site personnel to help the elderly with emergency rescue by telephone, and fixes the injured with the "8" bandage, which is beneficial to local braking, preventing further displacement of the broken end and helping to relieve pain. At the same time, it was quickly sent to the nearest network hospital for further treatment.

(5) Evaluate and recommend suitable hospitals. After the doctor evaluates the condition, the call center will screen out the hospitals suitable for the specific injuries of the parties and the appropriate distance from the self-owned network database of the mainland medical emergency institutions, and give suggestions.

For example, an elderly expert in Shanghai, as a consultant of the African-Tanzanian Railway Engineering Team aided by a railway bureau in China, was injured by rail installation equipment during local construction, resulting in comminuted pelvic fracture, which required complicated hip reconstruction surgery. There is no local treatment. The unit reported the case by calling the global rescue telephone, and the global rescue company called the center to inquire about the injury of the injured. After screening out the third-level hospitals capable of operation in online hospital, two hospitals, * * * * * Hospital and * * * * Hospital, were selected, and referral suggestions were put forward to the insured, their families and units. After obtaining the consent of the insured and their families, relevant transfer treatment services were arranged.

(six) to assist the medical treatment according to the needs, establish contact with the relevant network hospitals, and assist the parties to be admitted to the hospital smoothly.

For example, an insured person in Tianjin accidentally fell off a chair while climbing to get something, resulting in a double fracture of his left forearm. The family members hurriedly called the global rescue company for help. After learning the address and injury of the insured, Universal Rescue Company informed the family members to send the insured to * * * * hospital for treatment by querying the medical network. At the same time, I quickly contacted the network hospital. When the family members send the insured to the hospital, the hospital has opened green channel services such as registration-free, so that the insured can get relevant examination and treatment quickly.

(7) Within 24 hours after the client reports the case, if it is judged by an authorized doctor to be within the responsibility of the relevant insurance company and it is really necessary, in the name of the International Emergency Rescue Center of the Ministry of Health, in the range of 9 14 emergency network hospitals distributed in the mainland, combined with the actual injury of the client, medical expenses will be guaranteed or advanced to the hospital according to the social basic medical insurance standard where the treatment hospital is located.

Example: An insured person from Shenyang travels to Shenzhen. Xiaomeisha seaside, rib fracture, closed pneumothorax, was washed down by the waves and hit the rocks. His family immediately sent him to the city hospital for treatment. In the process of being sent to the hospital, the family members called the Global Rescue Center for help. After learning of the accident and injury, the Global Rescue Center quickly contacted the local network hospital in Shenzhen. Because the insured is seriously injured, he needs to be hospitalized immediately. The funds around the insured and their families are not enough to pay the hospitalization deposit in full. Family members also reported to the global rescue company, asking the rescue company to ensure hospitalization. After learning about it, Global Rescue Company confirmed the injury and accident to the attending doctor of the network hospital, and confirmed that it was a closed pneumothorax caused by an accidental fall, and guaranteed the hospital. The network hospital will arrange for the insured to be hospitalized immediately after confirming the guarantee. After active treatment, the insured is out of danger. Global Rescue Company paid the medical expenses for the insured in Shenzhen, and then transferred the insured to Shenyang for further rehabilitation.

(eight) to track and evaluate the treatment process, according to the needs, authorize doctors to communicate directly with the attending doctors of the parties, and provide oral evaluation of the treatment process to the parties or their families or related insurance companies.

For example, an insured person in Shijiazhuang was rescued in the intensive care unit of a local hospital after suffering from a cervical fracture and quadriplegia caused by a car accident. Treatment has been nearly 1 week. The direct medical expenses have been around 20,000 yuan. Insurance companies and their families want to know the specific treatment effect and follow-up treatment measures. Through the coordination between the global medical rescue company and the ICU attending doctor, the hospital had a detailed discussion with the family members and insurance companies, answered the questions and demands raised by the insurance companies and their families, and solved the questions of the insurance companies and their families.

(9) Transshipment risk consultation: According to the specific situation and needs of the parties, professional doctors will make assessment and consultation on whether or not to transship and how to transship according to the comprehensive situation of relevant hospitals.

For example, an insured person in Qingdao visited his daughter in Lanzhou, and accidentally fell while playing in a local scenic spot, resulting in a temporal bone fracture and an epidural hematoma being hospitalized for craniotomy. The family wants to ship it back to Qingdao for better treatment. After receiving the application for hospital transfer, Global Rescue Company sent professional medical staff to the hospital to visit the injured and discuss with the attending consciousness. Finally, the time and scheme of safe transportation were worked out in consultation with the hospital and family members. In the case of safety confirmation, the insured was transferred from Lanzhou to Qingdao for follow-up rehabilitation treatment, which avoided the sequelae of the insured's fall.

Case demonstration:

Mr. Wang from Beijing, aged 72, bought a "Fu You Tiannian" card on June 2007 1 1, and the insurance period was selected from June 2008 1 October 21:00 to June 2008/kloc. From June 5438 to February 2007, Mr. Wang had an accident while traveling in Hainan, and the situation was urgent. After receiving the report, the call center guides the on-site medical first aid, and at the same time assists in arranging emergency vehicles, and recommends the nearest hospital to assist in medical treatment. Then help contact the family members of the parties. After admission, he was diagnosed as a vertebral compression fracture and needed immediate surgery. The relief agency provided the hospital with 3,000 yuan in medical expenses in advance. After operation, he was hospitalized for 25 days and discharged. The accumulated reasonable medical expenses are 3500 yuan.

The calculation formula of insurance company compensation is:

Accidental fracture insurance = insurance amount × payment ratio = 40,000× 80% = 30,000 yuan;

The accident medical insurance premium is 3000 yuan.

Accidental hospitalization allowance =(25-3)×20 yuan/day =440 yuan

* * * The compensation insurance premium is 33,440 yuan.

Tips:

1. The insured is under 80 years old, and each insured is limited to two copies.

2. This card is only used for customer insurance, not insurance certificate. The cardholder must take out insurance according to the insurance effective process within the validity period of the card insurance, and the insurance liability corresponding to the card will not take effect until 0: 00 the next day after obtaining the policy number. For insurance accidents that occur before the insurance liability takes effect, the Company shall not be liable for paying insurance benefits.

Please read the terms and insurance rules carefully before insurance. 4. After successful insurance, please record the electronic policy number fed back from the page in the corresponding position of the card to facilitate inquiry and claim settlement.

Introduction to insurance rules:

(1) The insurance period is one year, from 0: 00 the day after the company agrees to underwrite, collect insurance premiums and issue insurance policies to 24: 00 the agreed termination date.

(2) The insured is a person who is healthy and can work and live normally, and the maximum insured age is 80 years old; Non-retirees only cover those whose occupational categories are below Category III (inclusive), that is, 1-3 in China Ping An Property Insurance Co., Ltd.

(3) During the insurance period, the insurance company will not accept any application for changing the insured. The beneficiary of survival is the insured himself, and the beneficiary of death is the legal heir of the insured.

(4) The maximum purchase limit of this insurance is 2 copies per file, and multiple investments are invalid.

(5) This policy will not be surrendered after it takes effect.

(6) Matters not covered in this contract shall be subject to Ping An Accident Care Comprehensive Insurance Clause of China Ping An Property Insurance Co., Ltd.

(8) Persons who are engaged in the occupation of refusing insurance are the objects of this refusal, and the company does not assume insurance liability. Accidents that occur when non-insurance-refusing professionals engage in activities related to insurance-refusing occupations are not covered by insurance liability. If the insured participates in the scope of activities listed in this insurance liability exemption activity table, the insurance company will not bear the insurance liability. The following table shall prevail: occupations that refuse insurance: rubber, plastic, lacquer products manufacturing, wholesale and retail of liquefied gas, fishery, forestry (afforestation and forest fire prevention personnel), deforestation, wood processing industry, post and telecommunications industry (electric power facilities erection, electric power high-voltage engineering facilities, radio antenna maintenance, maintenance and repair personnel of electric power devices, live maintenance personnel of high-voltage lines, etc. Railway transportation (road builders, maintenance workers, mechanics, electricians), marine transportation, ship building, petroleum processing and coking, oil and gas exploitation, coal mining and mineral processing, metal mining and mineral processing, other mining industries, explosives, fireworks, aircrew, construction workers, outdoor decoration, glass curtain wall installation workers, advertising signboard erection personnel, electricians, road maintenance workers. Elevator and elevator installers, engineers and technicians in geological survey and marine surveying and mapping (offshore operation), line, pipeline and equipment installation industries, soldiers serving in public security, air or sea, traffic police, criminal police, fire brigade members, explosion-proof police, armed police, special forces, rescuers, anti-smuggling inspectors, war reporters, actors (martial arts, stunts and acrobatics), chimney cleaners outside high buildings. Manufacturers (sulfuric acid, hydrochloric acid, nitric acid, phosphoric acid, soda ash, caustic soda, fluoride salt, concentrated phosphate, other toxic substances, batteries, liquefied gas, cartons, paper, paper pulp, chemical raw materials and chemicals, glass and its products), zoo employees (corral cleaners, hydraulic mechanics, animal trainers, breeders), dog trainers, slaughter and processing workers, professional athletes (. Skiing), test drivers (taxis, commercial vehicles, ore trucks, engineering vehicles, liquefied, oxidized oil tankers, oxidized concrete ready-mixed trucks, motor tricycles, tractors), metallurgical workers, machinery manufacturing and maintenance workers, household appliances manufacturing workers (welders, punchers, grinders, boring machines, drilling machines, broaching machines, sawing machines, shearing machines, milling machines, foundry workers). List of exempted activities: surfboard, jet ski, football, hockey, ice hockey, rugby, boxing, skiing, diving, skydiving, rock climbing, adventure activities, martial arts competitions, wrestling competitions, stunts, horse racing and car racing.

(8) Exempted activities:

Windsurfing, jet skiing, football, hockey, ice hockey, rugby, boxing, skiing, diving, skydiving, rock climbing, adventure activities, martial arts competitions, wrestling competitions, stunts, horse racing and car racing.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.