Find the right type of insurance

Old age and major illness protection plan

Insured age: Mr. Zhuang is 30 years old and has a healthy occupation.

Insurance name

Insurable interest

prompt

Insurance period

Annual deposit premium

endowment insurance

65438+ million

15 years

By the age of 70

5,000 yuan

Major disease

50,000

15 years

30 years

700 yuan

Combination plan

65438+500,000

5700 yuan

Illustration:

Annual deposit: 5700 yuan

Medical compensation for major diseases: 50,000 yuan, waiting period 180 days.

Pension: 6,543,800+10,000 yuan-396,000 yuan.

Insurance premium for illness death: 6.5438+0.5 million yuan.

The planned advantage potential 1 only needs 15.6 yuan every day, and you can have a guarantee of150,000 yuan;

2. The premium is low, covering 365,438+0 kinds of serious diseases;

3 health care experts are always with you.

Protect obstacles and interests

1. critical illness insurance: within the validity period of the insurance, the company will pay 50,000 yuan for the critical illness insurance due to the first occurrence of the critical illness agreed in this contract; (3 1 species),

2. Illness death insurance: within the insurance validity period, the maximum death insurance can be more than 654.38 yuan +0.5 million yuan, and the effectiveness of this contract is terminated.

3. Overdue care payment: 5000 yuan will be paid every week from the insured's 60th birthday, and the old-age care insurance money will be paid to the insured's 70th birthday first policy anniversary; After the expiration of the survival period, one-time withdrawal of (middle)160,000 to (high) 330,000 old-age care funds. .

Major disease range 3 1 major disease range:

Blind eye in coronary artery bypass grafting for malignant tumor, acute myocardial infarction and stroke sequelae.

Treatment of Alzheimer's disease with end-stage renal disease and severe language loss by large organ transplantation or hematopoietic stem cell transplantation.

Acute or subacute severe hepatitis, benign brain tumor paralysis, severe third-degree burns, and severe motor neuron disease.

Severe multiple sclerosis, multiple limb loss and severe Parkinson's disease in decompensated stage of chronic liver failure

Cardiac valve surgery for severe muscular dystrophy in systemic lupus erythematosus nephritis

Acute hemorrhagic necrotizing pancreatitis, severe aplastic anemia, severe brain injury and severe primary pulmonary hypertension.

Encephalitis sequela or meningitis sequelae deep coma Crohn's disease binaural deafness end-stage chronic respiratory failure

As a professional health insurance company, we will provide a series of health management services for our valued customers, including:

1. Health records management

Provide professional file management services for clients' health files (including clients' underwriting, personal health/diagnosis and treatment related data during claim settlement, physical examination results obtained by clients' physical examination, clients' past medical history data, family medical history data, clients' daily diet/exercise data, etc.). ).

2. Health assessment

According to the information in the customer's health file, evaluate the customer's health status and the risk of disease, and make a health assessment report.

Seek medical advice

Analyze the actual situation of customers and the relevant situation of hospitals and doctors, and give adequate medical guidance when customers plan to see a doctor.

Visit the hospital

Customer service personnel/health management personnel will visit hospitalized customers.

5. Expert consultation

We can provide customers with 24-hour health expert hotline consultation service, and the hotline number is 9559 1/4006695 18, so as to provide satisfactory service when customers need health, disease consultation and medical guidance.

6. Health talk

We can provide customers with irregular health lectures, which are taught by well-known experts in the hospital to provide customers with health education and health communication.

7. SMS service

Our company will provide your customers with necessary timely services through SMS.

8. Send a health newsletter

Send health newsletters to middle and high-end customers from time to time to help customers learn more and more extensive medical and health information.

Brief introduction of health claims service of China People's Insurance Company

(a) Simple health insurance claims

As an important part of insurance business, claim settlement is a direct embodiment of service and is related to the vital interests of every customer. As the first professional health insurance company in China, China People's Health Insurance Co., Ltd. adopts a brand-new claim mode and is committed to helping the majority of health insurance customers to easily realize claims. Mainly has the following characteristics:

summary procedure

○ Simple application: You only need to mail or directly submit the relevant supporting materials to the company's claims department according to the insurance contract.

○ Convenient collection: A variety of collection methods are available. You can choose bank transfer and counter payment according to your own situation. For the convenience of customers, the company allows others to payment collection (power of attorney for claims needs to be filled in).

○ Apply for claims by mail, and receive insurance money by bank transfer. Under normal circumstances, you can get a claim at home.

Step 2 deal with it quickly

The company promises that simple cases will be closed in 3 days, regular cases 10 days and special cases will be closed as long as the facts are clear and the responsibilities are clear.

3. Integrated services

○ The company will inform you of the settlement decision in writing, including the settlement decision notice and settlement statement. For group insurance customers, the company will regularly provide the insured with payment reports.

If employees have any opinions or requirements on the work and services of the office staff of the company, they can negotiate with the manager of the company to solve them, or they can directly complain or put forward to the person in charge of PICC health project. National 24-hour hotline: 40066955 18

(2) Overview of claims service

Claim process