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Data:2009-12-12 2:34
Reproduced in a letter:
Experts, Hello. Earlier this year I discovered that Tim will soon house a new member, and the excitement I would also like to buy for his wife and baby plus a number of insurance to ensure their future life worry-free. So my biggest requirement is for the protection of the whole family, hoping to minimize the whole family suffered because of unexpected economic losses. I ask this based on my needs in an insurance policy should pay special attention to what issues?
Current Guests: Yang Wenliang (Taikang Life Senior Officer)
With the public increasingly specific needs of insurance products designed to protect the family life insurance plans are starting to enter the market. No matter what kind of insurance to buy what the company recommended that we should pay attention to when they purchase their own insurance benefits, look at the text of the agreement contract. According to eight years of experience in the actual sale of insurance, the public may wish to from the following aspects into consideration, whether their families have a number of special interests --- exclusive interests of the family.
▿live to receive. The insured person according to age and the amount agreed to receive their pensions.
▿medical claims. Payment during the period the insured person was hospitalized due to medical expenses arising from, according to the different amount for payment.
▿on the amount of allowances. The insured person was hospitalized due to illness or accidental injury, the insurance company claims, the need to provide hospital invoices, payment of allowances according to the number of hospital days.
▿critical-illness insurance. The insured person in the contract after the date of entry into force of the agreement, the initial terms of the risk of major diseases, may receive insurance money.
▿women's health protection. Agreed in the contract after the date of entry into force, such as the initial risk of a woman often issued in situ, or suffering from major diseases of women who receive a different amount of insurance.
▿women's reproductive health protection. The insured person in the contract after the effective date of the agreement, the first time women suffering from pregnancy or childbirth death of disease, and will be insurance.
▿accident protection. Accidental injuries leading to disability, burns, death, according to the proportion of the contract to pay insurance.
▿insurance waiver. Means the insured death or disability, be exempted from the entire long-term insurance policy renewal premiums, and the policies remain in force.
▿death insurance. The insured person dies during the period of insurance, the beneficiary can receive death according to the contract premium.
▿dividend distribution. Can share the insurance company's operating results, easy financial management.
(The above are basic explanation, specific provisions should refer to the specific provisions of different insurance companies)
