I'm Tony, the AIA financial planner, and I can answer your questions in detail.
"Bikangbao 39" Intensive Care Program
It is the level premium for critical illness protection. The premium is calculated according to the age of the insured, and once insured, it will be calculated according to the premium at the time of insurance. It's not that the financial planner upstairs said to increase the premium every five years, but that you can increase the amount of protection by 5% free of charge every time you renew your insurance in the first five years (25% of the basic insurance amount in five years); It can be insured from 0 to 60 years old and can be renewed until 69 years old. As for the links covering 39 dangerous diseases, they are as follows.
aia/product_c/p_cis39
Tips for dealing with various dangerous diseases
Insure people aged 60 and under, and automatically renew their insurance coverage to 80 when the five-year protection period expires. Comprehensive insurance includes 47 kinds of critical illness insurance, and the death compensation is equal to the balance after the basic insurance of the plan is deducted from the paid critical illness compensation. If you suffer from a serious illness within the scope of protection, you can immediately get up to 80% of the basic protection as compensation for serious illness (except angioplasty and other traumatic treatments for coronary artery diseases and cerebral aneurysms that need surgery); This plan is renewed every five years until the expiration of the policy protection period, and the premium will remain unchanged during the five-year protection period. The renewal premium will be based on the age of the insured at the time of renewal and the applicable premium schedule at that time.
aia/product_c/p_scip
Premium rebate? major disease security
Covering 43 kinds of serious diseases, the guarantee period is 10 year, and the highest 80% paid premium will be returned at maturity. Other compensation for death: If the insured dies unfortunately within the validity period of the insurance (the cause of death is not the specified 43 kinds of serious diseases), or dies within 30 days after being diagnosed as the specified 43 kinds of serious diseases, the plan will provide 20% of the basic insurance amount as compensation for death.
These three plans have been launched for some time. At present, the company's most popular serious illness protection is "Yida lifetime protection" and the premium "foolproof" additional contract. The feature is that it can be selected by you for a period of time until 10 (from 10, 15, 18 ...).
I hope you can clearly understand the above planning information. If you have any questions, please come to me, Tony.
[E-mail protected]
Supplementary explanation:
In addition, if you are a woman, you can consider buying a "magnificent choice" or a "wise choice". Even women with cancer in situ have a cover frame. , reference: aia/product_c/p_pcr, I am aia financial planner and health management consultant.
Serious illness is only a kind of protection after the event, but will you consider more important protection in advance and regular general health examination?
Most major diseases are caused by our abnormal living/eating habits. When we are suffering from critical diseases, we need huge medical expenses. After treatment, we also need rest time. During the rest period, patients will have no income. At this time, if you buy enough critical illness insurance, it will be of great use.
But most people only want to buy critical illness insurance, which is a negative method. Think positively, why not prevent those chronic diseases? All chronic diseases occur because of some potential dangerous pathogenic factors in the body. When these pathogenic factors will worsen and affect our health, it is necessary to rely on regular physical examination.
Maybe we watch TV or someone around us has a physical examination every year, but after a little solution, we all get cancer. The reason is simple, because I was greedy/thought I didn't drive too much, and something happened. According to the World Health Organization, general health examination includes:
1) Vital signs: such as breathing, pulse, height and weight. .....
2) Organ structure: such as chest and abdomen X-ray, upper digestive tract X-ray, ultrasound of liver, gallbladder, kidney, pancreas and spleen, and bone mineral density examination. .....
3) Organ functions: such as blood test, hearing test, vision, lung function and electrocardiogram. .....
Although AIA has a medical examination plan for sale, I think it is not comprehensive enough and there are many loopholes.
It is best to have international standards for physical examination, such as ISO900 1, and international standards for laboratory examination, such as CAP (American College of Pathologists) rating. When I bought the fund, I always knew that the higher the rating, the better, let alone the physical examination.
A good physical examination center, after the guests have finished the physical examination, it is best for a doctor to interpret the report. If problems or abnormalities are found, it will be recommended to be admitted to the hospital for further examination. If the problem is not serious, nutritionists will also suggest how to improve living habits. This is a good physical examination center.
Although I don't have any internationally recognized financial planning qualifications, such as CFP, I have knowledge of health and wealth management.
If you want to know more about health financial management, you can send an email to [email protected].
Hello, Catson Ling!
If you want to buy a new critical illness insurance policy with sufficient funds, you may wish to consider new york Life's latest "Bikangjian" critical illness insurance protection plan. Usually, the latest scheme is the most cost-effective scheme, because the insurance company will make new products by referring to the existing products in the market and customer needs.
The general information is as follows:
"Beikangjian" critical illness protection plan provides you with economic security and relieves economic pressure in difficult times. You can choose an 8-year premium payment period, 12 or 18, and you can easily pay the required premium when you have a job and a stable income, so as to ensure that you can face the danger optimistically until 100 years old.
Planning characteristics
-Suitable for anyone between the ages of 18 and 60.
-The maximum guarantee period is 100 years old.
-Providing 52 kinds of critical illness protection. Once the critical illness insurance is confirmed, the compensation for critical illness protection is 1, and the maximum compensation amount can reach 150% of the latest protection amount.
-You can choose to pay the guaranteed fixed premium for 8 years, 12 years or 18 years.
-When the policy expires, the plan will give 150% of the latest guaranteed amount as the policy expiration value 1.
-If you choose to surrender after the eighth policy anniversary, the plan will provide the premium equivalent to 50% to 100% or the latest guaranteed amount up to 100% as the guaranteed surrender value of 1.
-If the insured dies unfortunately, pay 150% of the latest guarantee amount to the beneficiary as death compensation 1.
-Two years after the policy comes into effect, you can enjoy a free medical examination every two years during the selected premium payment period.
1. Subject to terms and restrictions. Please refer to the relevant policy terms for details.
2. This service is only applicable to insurance policies with an insured amount of $50,000 or more. It is up to us to decide whether to provide this service or not.
This plan can be said to be profitable. Please call me if you want to know more details.
Tel: 63392590 (IDA), hello,
I am a financial and insurance consultant of Prudential Group. My name is Eric.
Prudential is still a very stable company in the financial tsunami.
Critical illness
Payment period can be provided in three ways: 10,15,20 IKEA has five years.
Fixed premium-don't worry about premium increasing with age.
40-42 kinds of critical diseases include * * *, cervix, uterus, ovary, fallopian tube, * * * or testicular cancer in situ.
The guarantee period is 75 years old /85 years old/lifetime (different plans may have 100% premium rebate/one-time due reward (the amount may be as high as 200% of the insured amount)).
(We also have a multi-serious illness guarantee that can be added ~ we can pay for three serious illnesses)
In fact, different schemes have their own advantages and characteristics.
I really hope to give you a chance to learn more.
Call me at any time (9 1667339) or leave a contact information.
-
Prudential is the largest pure insurance company in the market.
It is also the only insurance company that has maintained positive growth in the financial tsunami.
And a careful and responsible insurance consultant is the most important, because he needs to provide immediate help when necessary. I hope you can give me a chance to serve you.
From Eric.
9 1667339
Email: [email protected], hello! I am Jerry, the financial planner of AIA, and your awareness of risk management is commendable! I can simply answer your question here:
"Bikangbao 39" Intensive Care Program
The coverage covers 39 kinds of dangerous diseases, and the price will increase once every five years. The longest coverage is 69 years old. Because there is no life insurance component, the premium is the lowest.
Tips for dealing with various dangerous diseases
The coverage covers 47 kinds of dangerous diseases, and the price will increase once every five years. The maximum guarantee period is 80 years old, with life elements. Offer discounts to non-smokers.
Premium discount-critical illness protection
Covering 43 kinds of serious diseases, the guarantee period is 10 year, and the highest 80% paid premium will be returned at maturity. There is a small amount of life. However, the definition of serious illness is more rigorous. Because it is a rebate plan, the premium is relatively expensive.
In fact, the above plans are all old plans, and the latest critical illness protection launched by AIA last year is far more popular than these three plans. Of course, as for which scheme is most suitable for you, it still depends on your financial and health conditions. I will give you advice after professional financial analysis. I hope I can serve you in this respect. Please send an email [email protected]
Zhang Zhiyuan, RFP,