Ping An Guardian Star Growth Insurance Plan consists of Ping An Guardian Star Children's Old-age Security (dividend-sharing type), Ping An Supplementary Children's Critical Illness Insurance (20 14), Ping An Supplementary Children's Exemption Insurance Critical Illness Insurance and Ping An Supplementary Exemption Insurance Critical Illness Insurance (b, 20 14), which is referred to as Ping An Guardian Star for short.
First, the survival of cash partners for life, the education stage doubled.
The planned main insurance starts from the third policy anniversary. On the anniversary of each policy, the insured survives, and 6% of the basic insured amount is returned for life. At the same time, there are life-long policy dividends, and the continuous cash flow is like the constant care of parents. In addition, from the third policy anniversary to the 22-year-old policy anniversary, children can get an education fund of 6% of the basic insurance amount every year.
Second, the return of premiums at the age of 60 also has benefits, and premium protection is double insurance.
The premiums invested by parents can enjoy double security:
The first security is the anniversary of the policy that the child lives to 60 years old, and he can get a one-time return of the accumulated premium of the main insurance. After the reunification, he can continue to enjoy the survival cash and dividends of the policy, and let his parents' love accompany him. The second guarantee is that when the child returns to his old age in a hundred years, he can pay three times the basic insurance amount of the main insurance plus the greater premium and cash value paid by Ping An Supplementary Children's Critical Illness Insurance (20 14), so that the love of parents can really accompany the child all his life.
Third, high-priced and serious diseases will grow up, the premium will be lower, and there will be more types.
Ping An Supplementary Children's Critical Illness Insurance (20 14) has achieved four breakthroughs:
Breakthrough 1- high insurance coverage: the insurance coverage of Ping An first-aid illness can exceed the insurance coverage of the main insurance, and independent payment will not affect the insurance coverage of the main insurance. High critical illness protection is all the care of Ping An for children.
Breakthrough 2-Will grow: When choosing dividend to buy paid-up insurance and incremental insurance, the insured amount will be increased for the first time according to the proportion of the main insurance and the critical illness insurance at the time of insurance, and the insured amount will grow with the children.
Breakthrough 3-low premium: Ping An launched the first child critical illness insurance with market-oriented rate. Compared with similar products, the same premium can buy higher protection.
Break through 4-multiple types: add 6 kinds of children's major illness protection and expand the coverage of critical illness insurance. After the increase, the contracted types of serious diseases reached 36 for women and 35 for men.
Fourth, parents can enjoy exemption, and love and responsibility will continue.
The healthy growth of children can not be separated from the care of parents. Ping An Guardian broke through the tradition that only one applicant can be exempted from children's insurance, so that both parents can enjoy the protection of 10% premium exemption. No matter which parent dies, after the waiting period, the total disability or serious illness agreed in the contract occurs, and the insurance premium for the remaining period of the insurance period is exempted. After the waiting period, if the child suffers from a major illness agreed in the contract for the first time, the remaining insurance premium can also be exempted during the insurance period (for example, there is no waiting period for a major illness caused by accidental injury).