20 16, you can enjoy a comprehensive health upgrade, 105, you can enjoy comprehensive disease protection, you can go to the VIP channel for medical treatment, and you can return it at maturity 128%.
Basic knowledge of university education of endowment insurance
To buy a university education grant, the old-age security must first understand its basic knowledge, so what are its requirements?
1, insurance age requirement. In general, the age requirement of the insured is limited to 30 days after birth and before 14 years old. Only children at this stage can buy this insurance as the insured;
2. hesitation period. This means that the insured has 10 days to consider whether to buy this insurance after signing this insurance contract. In the meantime, the insured needs to carefully review this contract. If you find anything that does not meet your own needs, the insured can choose to apply for surrender, and all the money will be returned except for some formalities and expenses. If you choose to surrender after this hesitation period, then the insured will have certain economic losses, so you must consider it clearly during this time. So if you buy the wrong insurance, do you want to surrender it? If you surrender, why don't you lose money? Can I return the wrong insurance? How much can I refund if I surrender? How to surrender in full?
3. Insurance amount. The insured amount needs to be determined according to the age of the insured, the insurance period and the payment method.
4. Insurance liability. For the university education fund, the insured can choose to pay it annually or in one lump sum. If annual payment is made, the insured will live to the corresponding date when the contract comes into effect at 18, 19, 20, 2 1 year. The insurance company will pay the university education fund according to the amount received each year. The insurance contract will be completed when the insurance of the insured's 2 1 year-old comes into effect. If one-time payment is chosen, and the insured survives to the effective date 18 years old, the insurance company will pay the university education fund in one lump sum as agreed, and this insurance contract will be terminated. If the insured has no choice, the insurance company will pay annually. Which insurance company is stronger? I just sorted out the relevant content, hoping to help you: the latest list! Top Ten Insurance Companies in China
How to handle the university education subsidy in the endowment insurance?
Beneficiary refers to the insured himself, unless otherwise specified. When applying for insurance money, you should pay attention to the following matters.
First, it is necessary to prepare relevant materials, such as insurance contracts, valid identity documents of the insured and relevant materials that can prove the nature of fresh-keeping time;
Second, the payment of insurance benefits. Insurance companies will generally make a decision within 5 days after receiving the insured's application for insurance benefits and related supporting materials, and will make a decision within 30 days if the situation is complicated. For those who are responsible for the insurance premium, the insurance company shall be responsible for paying the insurance premium within 10 days after reaching an agreement with the beneficiary.
Third, the statute of limitations. If the applicant disputes the claims of the insurance company, he may bring a corresponding lawsuit. The time limit for the beneficiary to bring a lawsuit against the insurance company for the payment of insurance benefits is five years, counting from the time when the insured accident occurs.
In addition, there are generally two ways to pay the endowment insurance premium with college education, one is to pay in full, and the other is to pay annually. The contract stipulates that there are three payment periods, one is five years, the second is ten years, and the third is to pay to the insured who is 15 years old. When signing a contract with an insurance company, the insured should choose a good payment method, which can be decided according to his own economic situation. If the payment is made according to the annual agreed time limit, the insured must pay in time according to the payment time limit agreed in the contract, so as to better safeguard their rights and interests and reduce disputes between the insured and the insurance company.
Through the above professional introduction, I believe many parents have a certain understanding of the endowment insurance, a university education fund, and hope it can help you choose insurance for your children's education fund.
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