How does Taikang Xiangyun Kangshun plan to pay for this insurance?

This should be recommended by telemarketing. The main insurance is Xiangyun Kangshun old-age security dividend, and the additional insurance is an accident. The maximum amount of insurance plus hospitalization allowance is 3 million yuan, and the payment 10 is guaranteed for 20 years. There are three-level jump compensation, ordinary accident 1 10,000, vehicle compensation of 2 million, aircraft compensation of 3 million. I spent 5000 yuan and paid you back 5000 directly. I will pay you back if there is an accident next year. For example, if your insurance coverage is 1 10,000, I will pay you 1 10,000 in total, which means that I can make repeated claims. Hospitalization allowance per day 100-200 yuan, and the cumulative hospitalization for 20 years shall not exceed 3 years. If the hospitalization allowance is 65433, that is to say, if you are hospitalized due to illness 10 days, you have to pay 700 yuan. If you are hospitalized due to an accident 100 days, the hospital will pay you 100 yuan. After 20 years, no matter whether you pay the claim or not, or whether you pay the claim n times, you will get the principal, which is the premium you paid. The fixed income of 10% is 10% of the premium.