Safety profit-refund of insurance premium when due
Double interest rate increase-capital preservation dividend+accumulated interest.
Worry-free profit-policy holders are exempt from premium.
Flexible enjoyment-payment period of convertible pension due: one payment, 5 years, 10 year, 20 years.
Insurance age:
During the one-time payment, five-year payment and 10 payment period, the insured amount is 0-55 years old;
Within the payment period of 20 years, the age of 0-45 is guaranteed.
Insurance period: 70-year-old survival insurance-two-year return (basic insurance+accumulated dividend insurance) × 10%.
During the period from the effective date of the contract to the effective date of the 70-year-old policy, the insured shall live on the effective date of the policy once every two years, and the Company shall pay compensation according to 10% of the sum of the basic insurance amount and the accumulated dividend insurance amount on the effective date of the policy.
Due premium-paid premium+accumulated dividend insurance amount
The policy that the insured lives until he reaches the age of 70 takes effect, and the company pays the maturity insurance premium according to the sum of the following two items, and the contract is terminated.
1. Insurance premium actually paid;
2. Accumulated dividend insurance amount.
Death insurance premium-paid premium × 1.05+ current price of accumulated dividend insurance.
If the insured dies, the company will pay the death insurance money according to the sum of the following two items, and the contract will be terminated.
1.65438+ 005% of the actually paid insurance premium;
2. The cash value corresponding to the accumulated bonus insurance amount.
The insured is exempt from premium for accidental injury caused by death or total disability due to an accident.
Unless otherwise agreed, if the insured died of accidental injury or was physically disabled due to accidental injury, and the insured was between the age of 18 and the age of 60 at the time of death or physical disability, the renewal premium from the date when the insured died or was determined to be physically disabled may be exempted, and this contract will continue to be valid.
Pension annuity conversion clause: maturity insurance premium and final bonus can be converted into pension annuity in part or in whole.
If the insured survives to the corresponding date when the 70-year-old policy comes into effect, the insured can apply to the Company within 60 days from the corresponding date when the policy comes into effect, and use all or part of the sum of the due premium and the final dividend as a one-time payment premium to purchase personal converted endowment insurance. The amount and method of individual pension annuity insurance are determined according to the annuity collection standard provided by the company at the time of purchase.
What are the forms of insured dividends?
Xinhua Life Insurance adopts the method of "guaranteed dividend", that is, dividends are paid directly by increasing the insured amount, that is, the annual dividends shared by customers in the current year are automatically added to the insured amount, and dividends are paid in the next year on this basis. Until it expires or an insurance accident occurs, the insurance amount accumulated with compound interest for many years will be paid to the customer, and there will be the last dividend distribution when the policy is terminated or reduced. Dividend can automatically increase the insured amount and effectively reduce the management cost. At the same time, due to the less pressure to realize the assets in the investment account, the investment strategy is more flexible and the possibility of obtaining high returns is greater.
The advantages of capital preservation and dividends are mainly reflected in the following four aspects:
① Dividends come from a wide range of sources.
Xinhua Life adopts the capital preservation and dividend mechanism, and the dividends of its dividend products come from all the profits that the company may obtain from operating dividend products. The sources of dividends include spreads, dead spreads, fees and other possible surpluses.
2 dividends are more thorough.
The biggest profit sources of general insurance companies are spread, fee difference and death difference, but various factors such as policy status, changes in actuarial valuation methods and basis, changes in tax policies and financial accounting methods may also generate profits. In general dividend distribution, only spread, fee difference and death difference participate in dividend distribution in whole or in part; The British-style guaranteed dividend adopted by Xinhua Life Insurance can participate in all possible sources of profits generated by insurance companies, so that customers can enjoy the operating results of insurance companies to the maximum extent, which embodies the principle of fairness and customer interests first.
③ The dividend level is stable.
Capital-guaranteed products usually adopt the double dividend design of "annual dividend" and "final dividend". Under normal circumstances, insurance companies keep the "annual dividend" relatively stable to meet customers' relatively reasonable expectations. When the insurance contract is terminated, the last bonus will be distributed to the customer to make up for the apology and smooth return.
(4) More adequate protection.
Dividend-paying products are distributed on the basis of the insured amount, and the dividend and compound interest increase every year. Customers can see the continuous growth of the insured amount, and they can receive it in one lump sum once the claim is settled or the policy expires. The way of paying dividends with guaranteed amount helps customers realize their real purchasing power in the future, that is, when risks occur and money is urgently needed, the same premium investment brings higher protection and truly embodies the true meaning of insurance.
Overseas insurance, joint international SOS all-round claims service.
Comprehensive strategic cooperation between Xinhua life insurance and international SOS
New China Life Insurance cooperated with international SOS in a comprehensive strategic way, and launched the "Global Personal Risk Service Management Scheme" around the global insurance claims and rescue operation services. This scheme breaks the current practice that only exclusive products in the domestic insurance industry cover the medical responsibility of overseas rescue, and embeds a series of guarantee services such as domestic and overseas medical rescue, overseas medical service network, risk management of hospitalization claims, and overseas travel comprehensive assistance system into the diversified insurance products of Xinhua Life Insurance. As a result, the "Global Personal Risk Service Management Scheme" has benefited more than10 million customers, and finally customers at all levels of New China Life can enjoy emergency rescue services.
With the help of international SOS global medical service network and alarm center service resource platform, Xinhua Life Insurance incorporated 50,000 international SOS medical service networks all over the world into its designated hospitals, and established a unique overseas cooperative medical service network of Xinhua Life Insurance, which has the characteristics of the most timely telephone connection service, the safest medical tracking, the most favorable cost settlement, the most professional rescue and transshipment, and the most convenient claim settlement assistance. Among them, ordinary customers will have unique overseas claims assistance and free translation services in the industry, and have the opportunity to obtain differentiated services such as timely and professional medical rescue; VIP customers will be able to enjoy distinguished emergency medical transportation and medical care services.
New China Life Insurance's "Faster, Easier and More Intimate" Claims Service
Professional service has always been the pursuit of Xinhua Life Insurance's claim settlement work. The industry pioneered the "star standard management mode of claims service", and implemented unified and standardized service certification for more than 200 institutions across the country to ensure that every Xinhua customer enjoys hotel-style refined professional claims service.
(1) Open a special service line to receive claims report and consultation 24 hours a day;
(2) Open SMS secretarial service, and timely conduct reporting guidance, claim settlement process and closing notice;
(3) Establish an emergency mechanism for major emergencies, take the initiative to visit customers who are out of danger, and settle claims quickly;
(4) realize the insurance in different places, and the national payment is barrier-free;
(5) Join hands with international SOS to open up all-round, wide-ranging and multi-level overseas direct claims assistance services;
(6) Send flowers, sympathy cards and other forms of love sympathy to hospitalized customers;
(7) Advance medical insurance for customers with financial difficulties to save lives;
(8) Simple cases with clear responsibilities within 2,000 yuan should be settled at the counter for 30 minutes, so it is advisable to wait immediately;
(9) Claims service personnel come to the door to handle complex cases, and claims service stars handle small cases for immediate payment;
(10) All business outlets publicize the claims service process and service items, accept public supervision, and provide various publicity carriers such as Simple Claims Service Manual, Standardized Claims Service Manual and Xinhua Claims Service Window to convey the claims service information of Xinhua.
(1 1) Open online self-service reporting and claim progress inquiry functions to keep abreast of claim dynamics anytime and anywhere.
New China life national settlement of claims service in different places
Since 2006, Xinhua Life Insurance has opened a green service channel for off-site insurance and national claims in 34 branches across the country. This is a "national claims" service network platform supported by centralized information technology, that is, customers of Xinhua Life Insurance can go through claims procedures at the claims service counter in different places no matter where they are, and they can enjoy convenient and fast services without paying additional procedures.
New China life efficient settlement of claims
It is the unremitting pursuit of Xinhua Life Insurance to provide customers with convenient and fast claims service. First of all, with the service network of branches covering the whole country, the company has realized "national compensation", that is to say, corporate customers can call the unified service telephone number of Xinhua Life Insurance 95567 to report the case, get professional compensation guidance and service support, and can apply for compensation at any Xinhua customer service counter; Second, the company pursues fast claims service. Small claims with clear responsibilities shall be handled within 30 minutes, ordinary cases within 5 days, and complex and difficult claims shall be properly handled within 30 days. By the end of 20 10 and 12, more than 76% of the claims of Xinhua Life Insurance can be settled within 5 days.
New China life 20 10 claims
The total amount of compensation paid by Xinhua Life Insurance is different every year. The compensation amount of 20 10 is close to1500 million yuan, and the types of insurance benefits are mainly distributed: first, death insurance, accounting for 66%; The second is medical insurance, accounting for16%; The third is critical illness insurance, accounting for 15%. Judging from the number of claims, about 80% of claims are concentrated on medical insurance applications.
New China Life Insurance's 20 13 annual premium income103.6 billion.
Xinhua Life announced that in 20 13, the company's accumulated original insurance premium income was10364 billion yuan, a year-on-year increase of 6.06%. On the evening of 20 14, 1, 14, China Ping An announced that its premium income for 20 13 was 268.7 billion yuan, a year-on-year increase of 15.03%. As of the close of 65438+ 10/4, Xinhua Life Insurance rose 1.57% to close at 2 1.93 yuan and China Ping An rose 1.37% to close at 39.99 yuan. Xinhua Life accepted an accidental card slip case in Mianyang, Sichuan, and the customer underwent splenectomy because of an accidental fall. According to the old disability standard, surgery is not covered by accident insurance. According to the new version of Disability Assessment Standard for Personal Insurance (hereinafter referred to as "New Disability Standard") implemented from 20 14 10, this operation was identified as level 8 disability. Xinhua Life actively investigated and verified, and paid the customer 3000 yuan the day after acceptance. This case is the first case in which Xinhua Life Insurance accepted the compensation for the new defective standard.
A customer bought an upgraded version of Xinhua Life Travel Worry-Free F at the beginning of 20 14. 2065438+041at the end of October, 14, a customer accidentally slipped while picking up sundries at the corner of the corridor at home, and his left chest hit the handrail of the stairs and was seriously injured. The hospital diagnosed traumatic spleen rupture and multiple rib fractures in the left chest. After receiving the information submitted by the customer, the adjuster of Xinhua Life Insurance conducted an investigation and verification at the first time. First of all, he photographed the wounds of people who were out of danger, and verified the medical records of hospitalized patients who were out of danger. Records show that splenectomy was performed, which meets the new disability standard of grade 8.