Who knows Tianan Insurance? Tell me about the products of this company.

After the suspension of the health source (exclusive type), Tianan Life Insurance launched an upgraded version of the health source (enjoyable type) critical illness product in order to meet the strong market demand. This is the fifth upgrade after Tian Jian Healthy Source, Healthy Source No.2, Healthy Source (exclusive) and Healthy Source (exclusive). The following is a detailed introduction of Health Source (Yuexiang) critical illness insurance products.

I. Insurance rules:

1, coverage: 28 days- 60 years old

2. Insurance period: life.

3. Payment term: wholesale payment, annual payment: 3/5/115/20 years?

Second, the responsibility to protect:

1, critical illness protection: 106 species, divided into 6 groups, with a maximum of 6 payments.

The first time: paying a large amount of insurance money, insurance fees and cash;

Second time: 165438+ 00% of the insured amount;

Third time: pay 120% of the insured amount;

Fourth time: pay 130% of the insured amount;

Fifth time: pay 140% of the insured amount;

Sixth time: 150% of the insured amount;

Note: The compensation interval of Tianan's serious illness liability is still 180 days. After paying the critical illness insurance, the responsibility for minor illness, moderate illness, death and hospitalization allowance will be terminated. Secondary and above critical illness insurance can continue to pay.

2. China disease insurance premium: 20 kinds of China diseases, no grouping, up to 2 payments, each with 50% coverage;

3. Mild illness insurance premium: 35 kinds of mild illness, not grouped;

30% of the first insured amount, 35% of the second insured amount, 40% of the third insured amount and 45% of the fourth insured amount, up to 4 times; 4. Hospitalization allowance: If the insured is hospitalized after the age of 60, the insured will pay 0. 1% of the insurance amount every day, with a maximum of 90 days in each policy year. If the insured receives hospitalization care allowance, the first payment of critical illness insurance, life insurance or death insurance shall be deducted from the accumulated hospitalization care allowance;

5. Final insurance premium for death/illness:/kloc-2 times the premium paid before the age of 0/8,1Max paid after the age of 8 (premium paid, cash value, insurance amount);

6. Exemption of insurance premium for mild/moderate/severe diseases: First, confirm the mild/moderate/severe diseases and exempt the later insurance premium.

7. It can be attached to the two insurance systems. The birthday payment age is still 65/70/75. You can choose, and you can get the insurance premium when you reach the specified age.

Third, serious illness grouping:

The severe illness group was raised to 6 groups. The advantages are that high-risk major diseases are divided into six groups on average, and malignant tumors and invasive hydatidiform mole (or malignant hydatidiform mole) are put in one group respectively, which is reasonable and more conducive to secondary compensation; In view of the single group of children with high incidence of mental retardation, Wright syndrome, severe hand-foot-mouth disease, severe Kawasaki disease and severe asthma caused by disease or trauma, we will increase the protection and solve the serious diseases of children during their growth period; Solved the problem of no guarantee after multiple payments.

Another disadvantage is that atypical myocardial infarction, minimally invasive coronary artery bypass grafting and minimally invasive coronary intervention can only pay for one of them. After paying for one of them, the other two duties will be terminated, which needs attention.

Fourth, the rate comparison:

Enjoy after the upgrade, the guarantee is improved, the rate is increased, and the overall insurance cost is increased by 1.5438+0%.

That's understandable. Rights and obligations are complementary. The ratio of safety and insurance costs is in direct proportion to the growth. Generally speaking, the increase of insurance cost is not high.

What upgrades does the verb (abbreviation of verb) Health Source (Yuexiang) enjoy compared with the original?

1 Responsibility for critical illness protection:

First of all; Increase the number of serious diseases to 106, divide them into 6 groups, and pay at most 6 times, which is one more chance than exclusive enjoyment.

After the second time, the payout ratio of severe illness increased by 10%. The increase of critical illness insurance coverage is also a good welfare for the insured, which can get additional treatment compensation and follow-up rehabilitation care. Although it is of little significance to pay for six serious illnesses, there are still two serious illnesses in a person's life.

In addition, mental illness, Wright syndrome, severe hand-foot-mouth disease, severe Kawasaki disease, and severe asthma caused by diseases or external forces are listed in one group respectively, so that children can configure this insurance, and paying more is more conducive to solving growth risks; It better reflects the importance of multiple payments.

2. Responsibility to protect diseases in China:

China patients used to enjoy 50% of payout ratio, and the maximum compensation was twice, with an interval of 90 days. Enjoy this responsibility and only cancel the request twice. China's disease compensation ratio is still 50%, up to 2 times. For the second statement, the possibility has increased, which is commendable.

3. The responsibility of minor illness protection:

First of all, it turns out that enjoying payout ratio is a mild disease, 30%, up to 3 times. Enjoy the first 30% of the insured amount, and the proportion of compensation will increase by 5%, up to 4 times; It's almost like a serious illness. It is meaningless to pay for a minor illness up to four times, but the increase of insurance coverage is of practical significance for the second minor illness payment.

Secondly, this responsibility is very practical for the requirement of canceling the 90-day interval twice for mild illness. Although there is no grouping of mild diseases, due to the limitation of the interval, the small probability increases the difficulty of the second claim, and the cancellation of the mild disease interval increases the probability of claim settlement to a certain extent, which is commendable.

Finally, minimally invasive coronary intervention is added to this mild disease, but it is clearly pointed out that only one of atypical acute myocardial infarction, coronary intervention and minimally invasive coronary intervention will be compensated.

4. Hospitalization care allowance responsibility:

Enjoy this time, the hospitalization allowance has increased. If you are hospitalized after the age of 60, you will be paid 0. 1% per day, with a maximum payment of 90 days per policy year. However, when the compensation for serious illness/death/illness ends, you must deduct the hospitalization allowance you have paid;

Abstract of intransitive verbs

The launch of Yuexiang has caused great repercussions in the market, which also benefits from its reputation in the market. Although Tianan Life has not improved much, the market has a unique responsibility to ensure hospitalization allowance, so that people who have never suffered from serious illness can get hospitalization allowance after 60 years old, solve the source of funds for hospitalization after 60 years old, and enjoy health risk protection. Tianan is once again in the market trend, and I believe other insurance companies will follow up and launch similar products.

For more information about Tianan Insurance, please refer to this link. Tianan life insurance, how about health source critical illness insurance?