National customer service hotline 95500
Telephone auto insurance 10 108888
National unified telephone marketing service hotline 400-609-5500
China Pacific Insurance (SSE: 60 160 1, HKEx: 260 1), formerly known as China Pacific Insurance Company, was established on May 19 1 with the approval of the People's Bank of China.
With the vision of "building a first-class insurance financial service group around you", China Pacific Insurance adheres to the business philosophy of "customer-oriented, focusing on the main insurance business, promoting and realizing sustainable value growth" and constantly improves the full license layout of the insurance industry chain. It owns professional subsidiaries such as life insurance, property insurance, asset management, online service, endowment insurance, health insurance and agricultural insurance, and has established a nationwide marketing network and diversified service platform. At present, it has more than 5,700 branches, more than 67,000 employees and more than 270,000 salesmen, providing comprehensive risk protection solutions including life insurance and property insurance, investment and wealth management and asset management services for 47 million individual customers and 2.85 million institutional customers nationwide.
China Pacific Insurance promotes the strategic transformation of "customer demand orientation", closely focuses on the three major objectives of the transformation, adheres to the problem orientation, and promotes the achievements of the transformation: paying attention to customer demand, realizing accurate sales and fine service; In improving the customer interface, actively use new technologies to ensure that the middle and back office support the front end; In terms of improving customer experience, we have vigorously promoted product innovation and brought high-quality and convenient insurance services to customers, which has been widely recognized by all walks of life.
I. Introduction to Pacific Insurance: critical illness insurance
There are many kinds of critical illness insurance under Pacific Insurance. The main function of critical illness insurance is to help people avoid economic losses caused by serious illness. When choosing Pacific critical illness insurance, we need to pay attention to four points: the insured amount, the payment period, the guarantee period and the guarantee content.
1, insured amount
At present, the average cost of serious illness treatment in general cities is around 300,000. If it is a first-tier city, the cost of serious illness treatment will be more expensive, and the insurance amount is recommended to be at least 500,000. If the coverage of critical illness insurance is too small, it may not be able to play a therapeutic role in critical moments. Therefore, users should try to increase the coverage according to their own economic budget when purchasing, and sufficient coverage may help people tide over the difficulties in times of crisis.
2. Term of payment
Generally speaking, if the user's income is stable, the longer the payment period of critical illness insurance products, the better, and the annual payment pressure will not be so great, so we can make full use of premium exemption.
3. Warranty period
Pacific critical illness insurance can be divided into one-year critical illness insurance, periodic critical illness insurance and lifelong critical illness insurance according to the guarantee period. In the case of limited economic budget, users can first consider periodic critical illness insurance, and if the economic budget is sufficient, they can choose lifelong critical illness insurance. One-year critical illness insurance is best used as transitional insurance, not as long-term protection for users.
4. Guarantee content
In addition to the above three points, it is also important to ensure the content. In general, under the premise of including the basic guarantee for serious and serious diseases and mild/moderate diseases, it is necessary to focus on the coverage rate of high-incidence diseases. In addition, it is also necessary to pay attention to whether to attach death protection and whether to attach multiple compensation. Users can choose according to their own economic budget and their own security needs.
Two. Introduction of Pacific insurance: medical insurance
Medical insurance is very important to people, but the amount and scope of reimbursement are limited, and sometimes protection is inevitable. Pacific medical insurance can be used as a supplement to medical insurance, and its biggest role is to reimburse people for medical expenses when they are sick. The most popular and cost-effective Pacific medical insurance is Million Medical Insurance. When choosing millions of medical insurance, users need to pay attention to the renewal conditions and stability of products, followed by deductibles, hospital restrictions, personal restrictions, exemption scope and whether there are social security restrictions. After comprehensive comparison, choose a suitable Pacific medical insurance to care for your future health and worry-free.
Three. Introduction to Pacific Insurance: Accident Insurance
Pacific accident insurance covers three aspects: accidental death, accidental disability (ten-level compensation) and accidental medical treatment. Among them, the payment of accident insurance must conform to the characteristics of "accident": accident, sudden, non-disease and unintentional. Only when the accident meets the above conditions will the insurance company pay the corresponding compensation.
For the family economic pillar, accidents are easy to cause the family income gap, so the purchase of accident insurance should focus on comprehensive accident protection, while for the elderly and children, the focus of choice can be on accidental medical care.
Four. Introduction of Pacific Insurance Types: Life Insurance
Pacific life insurance can be divided into term life insurance and whole life insurance according to the guarantee period. Term life insurance is characterized by being relatively cheap and suitable for the working class. As the name implies, whole life insurance means that the protection of death and total disability can last for life, and the price is relatively expensive, which is suitable for families with sufficient economic budget. When users choose Pacific life insurance, they need to make a reasonable choice according to their own insurance needs and economic budget.