Insurance welfare proposal
To: * * Company
Thank you for giving Ping An the opportunity to design employee welfare protection plan for your company.
Through contact with your company, we have a general understanding of your company's needs and personnel. According to the actual situation and needs of your company, we specially designed a group supplementary hospitalization medical security scheme for your company to provide the maximum welfare guarantee for your employees.
* * Branch
Address:No. * * Road, * * City
Operator:
Fax:
catalogue
Introduction of China Insurance Co., Ltd. China Ping An Life Insurance Company of China Insurance Company
Analysis of employees' risk status
Details of insurance types and premiums
Insurance interest analysis table
Insurance tracking service
1. Introduction of China Ping An Insurance (Group) Co., Ltd.
China Ping An Insurance (Group) Co., Ltd., formerly known as Shenzhen Ping An Insurance Company, was established on 2 1988 and opened on May 27th of the same year. The company is registered in the State Administration for Industry and Commerce and headquartered in Shenzhen. 1June 4th, 992, with the approval of the State Council, it was renamed as "China Ping An Insurance Company". 1997 65438+1October 16 was approved by the State Administration for Industry and Commerce and renamed as "China Ping An Insurance Co., Ltd.". In February 2003, with the approval of the State Council, the company was reorganized into "China Ping An Insurance (Group) Co., Ltd." (hereinafter referred to as "China Ping An"). China Insurance Co., Ltd., China Ping An Life Insurance Company of China Insurance Co., Ltd., China Ping An Property Insurance Co., Ltd., China Ping An Insurance Overseas (Holding) Company and Ping An Trust and Investment Company were established by the group holding company, and Ping An Trust and Investment Company participated in Ping An Securities Co., Ltd. according to law, which made Ping An form a close, efficient and diversified group holding management structure with insurance as the core and integrating securities, trust, investment and overseas business.
China Ping An is the first joint-stock insurance company in China, and the first national insurance company with foreign shares in China. From 65438 to 2005, various businesses of Ping An grew rapidly. In 2003, the company's premium income was 67.4 billion yuan, and the total assets at the end of the year reached 184 1 billion yuan. At present, the company has 200,000 sales teams and nearly 30 million loyal customers. Among the largest 100 life insurance companies in the Asia-Pacific region in 200 1 00 selected by Asia Weekly, China Ping An ranked 23rd. The profit rate of assets is 2.0%, ranking first among the top 23 insurance companies. In 200 1 and 2002, Ping An's financial credit rating was rated as "AAA" by famous domestic credit rating agencies Chengxin International and Dagong International. 2006 54 38+0- 1, China Ping An was awarded the title of "Best Insurance Service" among the "Best Service Brands in China" selected by Capital magazine. In 2002 and 2003, China Ping An was awarded as the only insurance company in the "China's most respected enterprise" selection held by Peking University and Economic Observer for two consecutive years.
China Ping An absorbed the essence of China's excellent traditional culture and western modern management thought, and formed a corporate culture widely praised by the outside world. Ping An's corporate mission is: responsible for customers, service first, integrity protection; Responsible for employees, career planning, settle down; Responsible for shareholders, asset appreciation and stable returns; Responsible for the society, repay the society and build the country. Ping An advocates to be a noble and valuable person with the value maximization as the guidance and the pursuit of Excellence as the process. The company has formed the personal values of "honesty, trust, enterprising and achievement" and the team values of "unity, vitality, learning and innovation". Ping An's vision and ambition for employees are: to become a pioneer of enterprise reform in China and an example for the financial services industry to learn from, and to build a world-class comprehensive financial services group.
Ping An is a financially sound insurance company. China Ping An has established a scientific and clear investment organization structure, a professional decision-making system and a risk management and control system, which ensures the soundness of investment decision-making and effectively prevents risks. China Ping An is the only Chinese-funded insurance company in China that has issued financial reports and actuarial reports in accordance with international standards for eight consecutive years. The proportion of non-performing assets of China Ping An is less than 1%, and its asset quality ranks among the best among Asian financial enterprises. Ping An has a high-quality, professional and international workforce. Internationalized talents, including finance, actuarial science, IT, marketing management, human resources and brand management, have attracted worldwide attention. The company's talent internationalization strategy has been highly recognized by the state. Mr. Stephen Mayer, the chief actuary of the company, won the "National Friendship Award" in 20001year, and was cordially received by Premier Zhu Rongji of the State Council. This is the first time that China's financial services industry has won this national honor. At the same time, Ping An has been paying attention to the lifelong education of employees and the training of local talents, actively building Ping An Finance University, and the first postdoctoral workstation of domestic insurance companies has also settled in Ping An, laying a solid foundation for Ping An to train a large number of localized professionals.
Ping An strives to build a brand with good service and actively provides customers with various value-added services other than insurance policies. The company took the lead in launching overseas emergency assistance services, the first customer service festival, the first Ping An policyholder card and a joint bank card. Ping An is committed to building a high-tech service platform to provide customers with professional products and services. China Ping An takes the telephone center and Internet as the core, and relies on the store service center and professional direct sellers to build a Ping An 3A service system with a unified brand management system and service interface, so that customers can enjoy the satisfactory service of Ping An Insurance Company no matter when (at any time), where (at any place) and no matter what.
Ping An is enthusiastic about public welfare undertakings and actively undertakes social responsibilities. As early as 1993 10, Ping An established the Donation Hope Project Foundation. So far, Ping An has invested more than 5 million yuan in 22 provinces and cities across the country to build 26 Hope Primary Schools. During the period of 1998, a large-scale flood disaster occurred in the Yangtze River basin, and the employees of Ping An Security System spontaneously donated money and materials to the disaster area, and * * * raised donations of 2.45 million yuan and nearly 20,000 pieces of clothing; From June 5438 to October 2000 10, Ping An invested 1.24 million yuan to support the construction of "Three North" shelterbelts; In August, 2002, China Ping An donated a blood donation vehicle with a value of100000 yuan to the China Red Cross Society, and established Ping An Love Blood Donation Bank to mobilize 300000 employees of the whole system to participate in the charity cause of the Red Cross Society. At the critical juncture when SARS was raging in 2003, China Ping An allocated100000 yuan to provide relief funds for the minor children of medical staff who died in the front line of fighting SARS. In March, 2004, China Ping An Insurance Group signed an insurance agreement with China Hematopoietic Stem Cell Donor Database, which will provide accidental injury and serious illness insurance for each donor for one year, with the insured amount of 350,000 yuan. Donation insurance covers all donors from June 65438+ 10/day, 2003 to February 3 1 day, 2006. Ping An hopes to practice the concept of "serving the society, repaying the society, putting people first and caring for humanity" and show concern and support for the cause of the Red Cross.
After the separation and reorganization, China Ping An will give full play to the Group's comprehensive advantages in strategic research, system innovation, product development, investment and operation, risk management and control, IT platform, human resources and brand management. Effectively integrate various resources, establish comprehensive competitive advantages on the basis of specialized operation, and strive to enter the top 500 in business scale and the top 400 in business quality, so as to build itself into a world-class comprehensive financial service group and build a century-old financial industry.
Website:
2. Employee risk analysis
Through understanding, we believe that your employees mainly have the following risks:
1) The risk of accidental death, especially at work, is much higher than at home, which is the most urgent;
2) The risk of death due to illness will bring great losses to your company and employees' families;
3) Risk of unexpected medical expenses: Since your company has participated in social medical insurance, but mainly provides hospitalization, all kinds of outpatient and emergency expenses incurred by employees due to accidents will be shared by your company and employees, which undoubtedly increases the extra burden;
4) Risk of labor loss: employees may encounter disability risks during their employment, including temporary disability and permanent disability. Temporary disability mainly refers to employees' inability to work normally due to accidents or illness hospitalization; Permanent disability refers to employees' permanent loss of physical function due to accidents and their inability to take part in work.
5) Risk of major diseases: Once employees suffer from major diseases, they will not only lose their ability to work, but also spend huge medical expenses and need special care, so the expenses are unbearable for ordinary families.
According to the above situation, we have designed a comprehensive employee protection plan for your company, providing the following comprehensive insurance liabilities:
1) Accidental death protection: the insurance company will pay the death insurance for the employees of your company who have participated in this insurance plan due to accidental death;
2) Accidental disability insurance: employees who participate in the insurance plan permanently lose part of their physical functions due to accidents, and the insurance company will pay them accidental disability insurance money for the living security of employees who permanently lose their ability to work;
3) Protection of death due to illness: the insurance company will pay the death insurance premium for the employees who participate in this insurance plan;
4) Accident medical insurance: The employees participating in this insurance plan need emergency treatment, hospitalization and other treatments due to accidents, and the insurance company will compensate the employees for various medical expenses according to the provisions of the policy;
5) Daily cash subsidy for hospitalization: the employees of your company who participate in this plan need hospitalization due to illness or accident, that is, they temporarily lose their ability to work, and the insurance company will pay daily cash subsidy insurance according to their actual hospitalization days;
6) Operation allowance guarantee: the insured employees need to undergo surgery after hospitalization, and the insurance company will pay the operation allowance according to the actual operation situation;
7) Cash subsidy guarantee for daily hospitalization for cancer: If an employee unfortunately suffers from cancer during the insurance period, he/she can get daily cancer hospitalization subsidy insurance paid by the insurance company when he/she is hospitalized.
8) Critical illness insurance premium, when the insured employee suffers from seven major diseases during the insurance liability period, he can get the critical illness insurance premium paid by the insurance company.
3. Insurance coverage and premium details
Insurance portfolio: accidental injury+accidental medical treatment+one-year term life insurance+hospitalization peace of mind+major illness (b)
1) insurance coverage and premium details
Insurance type
grade
Amount insured per person (ten thousand yuan)
number of people
Total insured amount (ten thousand yuan)
Personal accident
A
50
30
1500
B
30
100
3000
C
20
celebrity
8000
D
20
300
6000
Personal accident medical treatment
A
five
30
150
B
five
100
500
C
four
celebrity
1600
D
four
300
1200
One-year term life insurance
A
50
30
1500
B
30
100
3000
C
20
celebrity
8000
D
20
300
6000
Hospitalization peace of mind
(second gear)
A
1 serving (28,400 yuan)
30
85.2
B
1 serving
100
284
C
1 serving
celebrity
1 136
D
1 serving
300
852
Major disease
A
five
30
150
B
five
100
500
C
four
celebrity
1600
D
four
300
1200
* Note: The ratio in the table takes 35-year-old male employees in the electronics manufacturing industry as an example.
2) Senior managers and technicians belong to a class of occupations;
3) The main technicians and supervisors belong to Class II occupations;
4) General technicians and clerks belong to Class II occupations;
5) Laborers belong to three types of occupations.
4. Analysis Form of Insurable Interest
Event item
Barrier protection content
A
B
C
D
Accidental death and total disability
500 thousand
300 thousand
Two hundred thousand
Two hundred thousand
die of illness
500 thousand
300 thousand
Two hundred thousand
Two hundred thousand
Secondary accidental disability (75%)
375,000
225,000
65438+500,000
65438+500,000
Third degree accidental disability (50%)
250 thousand
65438+500,000
65438+ million
65438+ million
Grade 4 accidental disability (30%)
65438+500,000
90000
60000
60000
Accidental disability level 5 (20%)
65438+ million
60000
forty thousand
forty thousand
Grade 6 accidental disability (15%)
75,000
45,000
thirty thousand
thirty thousand
Grade 7 accidental disability (10%)
50,000
thirty thousand
20,000
20,000
Accidental medical expenses (100 yuan is absolutely free of compensation)
50,000
50,000
forty thousand
forty thousand
Daily hospitalization allowance (maximum 180 days)
50 yuan
50 yuan
50 yuan
50 yuan
Daily cancer hospitalization allowance (maximum 180 days)
80 yuan
80 yuan
80 yuan
80 yuan
Hospital operation allowance (maximum)
5,000 yuan
5,000 yuan
5,000 yuan
5,000 yuan
Compensation for major illness
50 thousand yuan
50 thousand yuan
40 thousand yuan
40 thousand yuan
Insurance proposal for foreign enterprises
Insurance category: group accident+accidental medical treatment+one-year term life insurance+hospitalization insurance+critical illness insurance.
Insurance period: one year
Insurance types and detailed premium table:
types of insurance
grade
Insurance amount/person (thousands)
Number of employees
Total insured amount (millions)
Group accident insurance
A
500
30
15
B
300
100
30
C
200
celebrity
80
D
200
300
60
Group accident medical insurance
A
50
30
1.5
B
50
100
five
C
40
celebrity
1.6
D
40
300
12
Group one-year life insurance
*
A
500
30
15
B
300
100
30
C
200
celebrity
80
D
200
300
60
group
Hospitalization insurance
(level 2)
A
blast
30
0.852
B
100
2.84
C
celebrity
1 1.36
D
300
8.52
Group critical illness insurance
A
50
30
1.5
B
50
100
five
C
40
celebrity
16
D
40
300
12
* The average premium rate is calculated according to the 35-year-old male employee of the power enterprise.
A: senior managers and technicians; B: main technicians and supervisors;
C: general technicians and office personnel; D: workers.
5. Insurance tracking service
Ping An Insurance Company will provide efficient, high-quality and extensive follow-up services for its insured customers. Ping An Insurance Company's customer service counter works seven days a week, accepting services such as customer consultation, claim settlement and change of visa.
1) change
When the matters related to the insurance policy change, such as the mailing address of the insured employee, the insurance coverage of the new employee, the employee's resignation, etc. Ping An Insurance Company has a special customer service network to provide the above services for our customers.
2) claim settlement
When an insurance accident occurs, the insured or his beneficiary shall fill in an application for payment of insurance benefits and claim compensation from Ping An Insurance Company with relevant documents and certificates. When claims occur, Ping An Insurance Company not only has specialized business personnel to serve your company, but also implements a commitment system, promising to close the case within * * * days from the date of filing the case.
3) Consulting services
Ping An Insurance Company opened the telephone network of 955 1 1 free consultation service.
We will wholeheartedly provide you with high-quality and efficient services.
There is also comprehensive insurance protection!
According to this format, the premium is only 150 people, and the shopping mall is not large, so it should be filled in after consulting with the company. Comparing the above samples, it is enough to estimate110.