This product is accidental injury and dividend insurance for telemarketing. Payment can only be made in case of accidental death.
The specific contract is as follows:
Taikang Xiangyun Kangshun Protection Planning
The shelter you've been looking for.
People have been looking for their own safe and happy shelter all their lives. When the storm strikes, it brings us all-round security and makes the sunshine after the storm more brilliant. ...
Plan composition:
Main insurance: Taikang Xiangyun Kangshun old-age security (dividend-sharing type)
Additional insurance: Taikang additional Xiangyun Kangshun hospitalization allowance medical insurance.
Additional risks: Taikang additional Xiangyun Kangshun accident insurance.
Insurance rules:
Insurance age: 0-50 years old
Payment period: 10 year
Insurance period: 20 years
Payment form: monthly payment and annual payment.
Occupation category: 1-4 occupation
Insurance premium for accidental death, disability and burn: the maximum insured amount for adults is 6,543,800 yuan; 0- 17 years old, and the accumulated insurance amount is 50,000 yuan.
Insurance premium for hospitalization allowance: 100 yuan/day and 200 yuan/day respectively; The daily purchase amount of 0- 17 years old can only be 100 yuan/day.
Form of purchase: telephone direct sales
Insurance liability: payment period: ten years. Warranty period: 20 years. Full refund of premium at maturity+10% fixed income.
+20 years of compound interest and dividends. During the guarantee period, if you are hospitalized due to serious or minor illness or accidental injury, you will be provided with 100 yuan/day or 200 yuan/day, and you will enjoy 1000 days in total. If you get accident insurance money for death, disability or burn caused by an accident, you can pay for it many times, and the accumulated amount does not exceed the insured amount.
This brief introduction is for reference only. For details, please refer to Taikang Xiangyun Kangshun old-age security (dividend type), Taikang additional Xiangyun Kangshun hospitalization allowance medical insurance, and Taikang additional Xiangyun Kangshun accident insurance.
Summary: According to the statistics of the medical department, accidental deaths account for about 8% of all deaths. So the same compensation, if through our personal insurance channel, may include 90%+8%, and the insurance you apply for does not include other cases of death compensation. What matters is the contract, not how the salesman talks. The contract does not say: compensation for death due to illness or other circumstances. Then it's really dead. Who can I talk to? We ordinary people may only pay the premium once. With this guarantee, other guarantees may be temporarily gone. Please consider that my name is appropriate. When I have more contact information, I will serve you.