中國人保有哪些險種
1、意外險
意(yi)外(wai)(wai)(wai)(wai)險(xian)(xian)(xian)(xian)(xian)主(zhu)要指被保(bao)險(xian)(xian)(xian)(xian)(xian)人因意(yi)外(wai)(wai)(wai)(wai)傷害導致身故傷殘或產(chan)生相關(guan)治療(liao)費用,保(bao)險(xian)(xian)(xian)(xian)(xian)產(chan)品按合同約定給(gei)付保(bao)險(xian)(xian)(xian)(xian)(xian)金。中國(guo)人保(bao)意(yi)外(wai)(wai)(wai)(wai)險(xian)(xian)(xian)(xian)(xian)種類眾(zhong)多(duo),如涵(han)蓋交通意(yi)外(wai)(wai)(wai)(wai)險(xian)(xian)(xian)(xian)(xian),旅行意(yi)外(wai)(wai)(wai)(wai)險(xian)(xian)(xian)(xian)(xian)以及綜合意(yi)外(wai)(wai)(wai)(wai)險(xian)(xian)(xian)(xian)(xian)等,可以滿足用戶多(duo)元化的保(bao)險(xian)(xian)(xian)(xian)(xian)保(bao)障需求,應(ying)對潛在意(yi)外(wai)(wai)(wai)(wai)風險(xian)(xian)(xian)(xian)(xian)。
2、健康險
健(jian)(jian)康險(xian)指被保(bao)險(xian)人身體出現疾(ji)(ji)病、達到某種疾(ji)(ji)病狀態(tai)或者實施了相關手術,保(bao)險(xian)公司按合(he)同約定給付保(bao)險(xian)金,中國人保(bao)健(jian)(jian)康險(xian)主要分為(wei)重疾(ji)(ji)險(xian)和醫療險(xian),兩類保(bao)險(xian)產(chan)品(pin)保(bao)障內容存在差異,投保(bao)者要結合(he)實際合(he)理規(gui)劃。
3、人壽保險
人(ren)壽保(bao)(bao)(bao)險(xian)以(yi)被(bei)保(bao)(bao)(bao)險(xian)人(ren)的生命為(wei)標的,當被(bei)保(bao)(bao)(bao)險(xian)人(ren)不幸身(shen)故或全(quan)殘時,保(bao)(bao)(bao)險(xian)公司按合同約定給付保(bao)(bao)(bao)險(xian)金。現(xian)在(zai)市面上常見的人(ren)壽保(bao)(bao)(bao)險(xian)分為(wei)兩類,包括定期壽險(xian)和終身(shen)壽險(xian)等,保(bao)(bao)(bao)障期限存(cun)在(zai)差異,且(qie)定期保(bao)(bao)(bao)障保(bao)(bao)(bao)費更便宜,具體(ti)怎么規劃要根據經濟基(ji)礎決(jue)定。
4、財產險
財(cai)(cai)產險(xian)指(zhi)投(tou)保(bao)(bao)人向(xiang)保(bao)(bao)險(xian)公司繳付保(bao)(bao)險(xian)費,保(bao)(bao)險(xian)公司對(dui)合(he)同(tong)約定所承保(bao)(bao)的(de)財(cai)(cai)產及其有關因自然災害或(huo)意外事故造成的(de)損失承擔(dan)賠償責任。常見的(de)財(cai)(cai)產保(bao)(bao)險(xian)包括(kuo)家(jia)財(cai)(cai)險(xian)和企業財(cai)(cai)產保(bao)(bao)險(xian)。
中國人保險種不同年齡段如何配置
1、孩子:重疾險+醫療險+意外險
小(xiao)孩子還處于成(cheng)長階(jie)段(duan),身體(ti)的(de)免疫系統(tong)還沒有成(cheng)熟,稍微一不注意就很容易受到病毒細菌感染(ran),購買重(zhong)疾(ji)險和醫(yi)療(liao)險是(shi)有必(bi)要(yao)的(de)。
并且孩(hai)子在成長中難免會有些磕碰,且自我保護(hu)意(yi)(yi)識比較薄(bo)弱,因此給孩(hai)子配備一份(fen)意(yi)(yi)外險也很重要(yao)。孩(hai)子不需要(yao)承(cheng)擔過(guo)多的家庭責任,配備壽險沒(mei)有必要(yao)。
2、家庭經濟支柱:重疾險+醫療險+壽險+意外險
買保險(xian),首先要(yao)給家(jia)庭經(jing)濟支(zhi)柱(zhu)配(pei)備起(qi)來(lai),其次才到孩子(zi)和老人。作為家(jia)庭的頂梁柱(zhu)一(yi)旦遇到疾病、意外等危險(xian),家(jia)庭的生(sheng)活就難以(yi)維持,苦不堪言,所以(yi)這些保險(xian)險(xian)種,家(jia)庭經(jing)濟支(zhi)柱(zhu)一(yi)定要(yao)配(pei)備起(qi)來(lai)。
3、老人:重疾險防癌險+醫療險+意外險
老人(ren)重(zhong)疾(ji)(ji)發病(bing)率高,有能(neng)力且符(fu)合(he)投(tou)保條件(jian)的(de)(de)建(jian)議購(gou)買重(zhong)疾(ji)(ji)險(xian)(xian),如果超過(guo)投(tou)保年齡或(huo)者核保無法通過(guo),建(jian)議購(gou)買防(fang)癌險(xian)(xian),防(fang)癌險(xian)(xian)的(de)(de)投(tou)保條件(jian)比較(jiao)寬松。另外(wai)(wai),老年人(ren)還需規劃意外(wai)(wai)險(xian)(xian)和醫療險(xian)(xian),確保保障(zhang)的(de)(de)全面性。