筑牢健康保障,守护幸福人生,平安人寿重磅推出“守护百分百全能保险产品计划”
8月8日,筑牢重磅为充分发挥保险保障作用,健康满足客户健康管理需求,保障百分百全打造有温度的守护守护保险,助力“健康中国”建设,幸福险产平安人寿重磅推出新重疾产品——守护百分百全能保险产品计划(以下简称“守护全能”)。人生人寿据了解,平安品计作为平安人寿新推出的推出精品重疾产品,“守护全能”融风险保障、筑牢重磅财富储备与传承于一体,健康帮助客户抵御健康风险,保障百分百全守护稳稳的守护守护幸福。
层层守护,幸福险产筑牢健康保障
据了解,人生人寿“守护全能”由平安守护百分百全能两全保险(主险,平安品计简称“守护全能两全”)、平安附加守护全能提前给付重大疾病保险(简称“守护全能重疾”)两款保险产品组成,保险保障全面覆盖轻中重度疾病,层层守护客户健康。
近年来,随着甲状腺癌等轻度疾病发生率逐渐上升,客户对于轻症保障的关注度也日益增加。“守护全能”围绕客户需求进行研发,提供包括轻度甲状腺癌、原位癌等轻度疾病在内的40种保障,以及20种中度疾病和120种重症的保障。其中,轻症责任最多可赔付5次,每种轻症限给付1次,每次赔付20%基本保额。中症赔付5次,给付50%基本保额。重疾赔付1次,给付金额为100%基本保额与组合现价两者取大。即使中轻症保险责任终止,也不影响后续重疾赔付,生存金领取及身故保障也将继续有效。
约定领取,尽享健康馈赠
“守护全能”不仅能在客户需要的时刻提供鼎力支持,有助于客户解决燃眉之急,同时也是一份伴随其终身的财富储备。若被保险人在主险保险期满时仍平安无事,未发生约定重疾,即可按照约定领取生存金,自由支配,尽享有品质的健康生活。同时,被保险人领取生存金后,重疾、身故保障依然有效,并延续至终身。
身故保障,让爱温暖传承
“守护全能”还具备身故保障,可帮助客户实现财富传承需求。若被保险人一生健康,未发生保障中约定的重疾,其身故时,平安人寿将按约定给付身故金,让爱延续,温暖传承。
中轻症豁免,减轻交费负担
此外,客户还可附加轻中症豁免保障,减轻交费过程中的财务负担。如被保险人在等待期后初次发生约定的40种轻度疾病或20种中度疾病,可免交豁免险保险期内剩余各期保费,保障继续有效。
“守护百分百全能保险产品计划”的推出,是平安人寿积极落实“保险姓保”,以客户需求为导向,提升产品供给能力,构建多层次、场景化产品体系的重要举措。平安人寿表示,未来,公司将持续立足“从客户需求出发”的初心,深化“产品+”策略,满足客户多元化需求,提供更有温度的保险保障和健康服务,为客户健康幸福生活保驾护航。
【重要提示】:
① 守护百分百全能保险产品计划(简称守护全能)含平安守护百分百全能两全保险(主险,简称守护全能两全)、平安附加守护全能提前给付重大疾病保险(简称守护全能重疾)组成。本文所称组合为守护百分百全能组合,即守护全能+守护全能重疾。您可根据实际保障需求与经济承受能力合理规划选择保险产品计划,如附加险不符合需求,您也可选择单独购买本保险产品计划中的主险。若单独投保守护全能两全,责任详见条款。
② 本文所称“轻中重度疾病”,分别指“轻度疾病”、“中症疾病”、“重大疾病”。本文所称轻症均指合同约定的40种轻度疾病,最多可给付5次,每种限1次;中症均指合同约定的20种中症疾病,最多可给付5次,每种限1次;重疾均指合同约定的120种重大疾病。等待期均为90天。重疾保险金、中症保险金、轻症保险金为重大疾病保险金、中症疾病保险金、轻度疾病保险金的简称。
③ 主险保险期间可选至60/65/70/75/80周岁保单周年日。被保险人在主险保险期满时仍生存且未发生过约定重疾,按守护全能两全与守护全能重疾的所交保费之和×约定的交费年期给付满期生存保险金(本文简称生存金)。给付重大疾病保险金后,不再给付生存金。
④ 豁免保障由平安附加中症轻症豁免保险费疾病保险提供,一年期短期险种不在豁免范围内。
⑤ 守护全能重疾在等待期内不承担保险责任,因意外伤害导致发生合同约定疾病的,无等待期,详见保险条款。
⑥ 主险附加守护全能重疾情况下,被保人发生约定重疾,给付重疾保险金后,守护全能重疾合同终止,不再给付轻症、中症保险金、身故保险金。主险合同基本保额将按给付重疾保险金金额等额减少,减少至零时,主险合同所有保险责任均终止,不再给付生存金、身故保险金
⑦ 主险期满前身故,按身故时守护全能两全的基本保额,或守护全能两全与守护全能重疾现金价值之和取大给付;主险保险期满后身故,按身故时守护全能重疾的基本保额、现金价值取大给付。
⑧ 被保险人在主险合同保险期间届满前身故,守护全能重疾保险合同效力终止,我们退还前述险种合同的现金价值。
⑨ 本资料所载内容仅供您理解保险条款所用,在某些情形下,我们不承担给付保险金的责任,具体保险责任、责任免除或减轻、合同解除及其他与您、被保险人、受益人有重大利害关系的内容,详见保险条款。
(责任编辑:关于我们)
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