0-year-old children's education fund savings insurance-insurance case
Miss Zhang, 30 years old, is insured for the old-age security, the child of China Life Fortune, and has insured the basic security of 65,438+000,000 yuan for her daughter born six months ago.
Payment period: 15 years
Insurance period: to 25 years old
Annual premium: 8470 yuan
The following benefits can be obtained:
1. Adult insurance premium: The insured shall pay 50,000 yuan of adult insurance premium on the effective date of the year when he reaches the age of 18.
2. Venture insurance: The insured reaches the age of 22 and pays 50,000 yuan on the effective date of the current year.
3. Marriage insurance: The insured reaches the age of 25 and pays the marriage insurance premium of 50,000 yuan on the effective date of the current year, and the contract is terminated.
4. Death insurance: if the insured dies before the effective date of 18, the company will refund the cash value of the contract and the contract will be terminated; The insured shall pay the death insurance premium of RMB 100000 from the effective corresponding date of reaching the age of 18 to the expiration of the contract insurance, and the contract shall be terminated.
5. Annual dividend: from the date of insurance to the age of 25, you can enjoy the dividend of China Life every year. Dividends can accumulate compound interest at an annual rate of 3.5%, and can also be withdrawn at any time.
Note: For families with moderate annual payment and good economic conditions, it is recommended to save more for their babies every year, and the proportion of annual premiums in various incomes will increase.
Critical illness insurance, a 0-year-old child: an insurance case
30-year-old Miss Zhang insured her six-month-old daughter with China Life Kangning Regular Health Protection Plan, with the basic insurance amount of 654.38+10,000 yuan.
Payment term: 20 years
Insurance period: to 70 years old
Annual premium: 980 yuan (baby boy 1290 yuan).
The following security advantages can be obtained:
1. Critical illness insurance premium: The insured receives 100000 yuan of critical illness insurance premium after this contract comes into effect for the first time (or is finally re-insured) and is diagnosed by experts as suffering from the major diseases referred to in this contract, and this contract is terminated.
2. Death insurance premium: the insured dies and receives death insurance premium of RMB 65,438+000,000, and the contract is terminated.
3. Maturity insurance premium: When the insured reaches the age of 70, he can get the maturity insurance premium of 19600 yuan in the effective year, and the contract is terminated.
Note: For families with lower annual payment and better economic conditions, the insurance coverage can be higher. Of course, the annual payment will increase in the same proportion. If 200,000 yuan is guaranteed, it will be paid annually 1960 yuan.
0-year-old children's hospitalization and accident insurance-insurance case
Miss Zhang, 30, has insured her 6-month-old daughter for hospitalization and accident insurance, and her baby has Shanghai medical insurance.
Payment period: 1 year
Insurance period: 1 year
Annual premium: 938 yuan (1098 yuan without medical insurance)
The following security advantages can be obtained:
1. 50,000 yuan for accidental injury, death, disability and burn;
2. Compensation for hospitalization expenses 10000 yuan, with 80% reimbursement;
3. The hospitalization allowance is 50 days, with a maximum of 180 days per year.
Note: The above insurance schemes are suitable for families with moderate premium budget and need basic security and education funds. You can choose two or three of them to insure at the same time.
Self-introduction: Hello, friend! I am Mr. Gu, the business manager of China Life Insurance Shanghai Branch, and I graduated from financial management. He joined China Life Insurance Company in May 2006 and has been working ever since. If you want to buy an insurance policy or ask some insurance questions recently, I'm happy to help you!