"Medical treatment" for even the advent of insurance policy holders will receive 42 large security

Even for insurance this year across the board retreat. In the financial tsunami growing at the same time, insurance companies have begun to rethink the risk should be cast even play the right role. "Business News" was informed a few days ago, the market will have been cast even dangerous combination of insurance and health insurance products, such products may be able to cast even the risk of a weak market into a ray of vitality.

It is understood that this type of product for the insured to take into account more in line with the provision of financial management law, through the pre-and post-retirement health care. To one of the company's products, for example. Pre-retirement, policyholders receive 28 common diseases of major security; retirement, for the purchase of the insurance products available to the insured's 42 large medical expenses disease protection, if the insured has been in good health, medical and financial account also Through value-added investment accounts.

However, health insurance and will not be sought after market for insurance even tied together, so that the number of insured psychological anxiety.

Prudential Life Insurance Chief Marketing Officer Hong Bao Jian in an interview with our reporter said that this type of insurance product is the accumulation period of 15 years, in line with the long-term investment philosophy, health insurance needs of long-term accumulation, and even for long-term risk should also be encouraged to hold There are, so they have a very good point.

Hong Bao Jian believes that this type of product is still time for the accumulation, rather than immediately to the retirement crowd. "First of all policyholders need to be aware of the importance of insurance coverage, but also need to understand even for some of the characteristics of the risk, but the first point is more important than the second. It is only aware of the need for security, we will be able to pay attention to, often not even vote Changes in the value of the insurance account, and will not retreat into hesitation and repeatedly between. "

And any variety of investment, there will be gains at risk. Hong Bao Jian said, insurance companies want to control the risk is that such products can not be sold to people who do not fit; policyholders to control the risk of major or even the insurance account for the risk. Prudential Life to the type of product, for example, is currently set up a total of 3 vote even risk insurance accounts, instead of 7, the policyholder can invest the funds in various accounts between unlimited flexibility in the conversion, at any time and from the Health care account to draw funds for the future life of a hedge, conversion, receive free of charge, you can enjoy free use of funds.