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杭州的徐女士去年年底在医院就诊时被诊断为乳腺癌,所幸的是,她在2001年投保了中国人寿保险公司的康宁终身保险,最高保额60万元,3年共缴了保费6万元。最终,徐女士从该公司领到了40万元的重大疾病保险赔款,同时,保险公司还免除了她今后应缴纳的32万元的续期保费,保单继续有效,其实际赔付金额达到了72万元。这份保险,在徐女士遭受不幸时伸出了援助之手。因此,专门针对女性特点的疾病保险就应运而生。而经济上自立自强的现代女性对保险的需求并不低于男性,且越来越有能力独立自主地承担保费,良好的保险计划也成为帮助女性完成自身责任的最佳帮手。据太平洋保险公司介绍,该公司目前女性客户占到了总客户数量的60%,其比例比男性高出两成。女性独享的保障女性保险是一种专门为女性设计的保险类型。既然是女性保险,当然就要贴上“女士专用”的标签,一方面更有针对性,另一方面由于去掉了一些_并不适用于女性的保险功能,保费也相对低一些。如果买一份保额1万元总共保10个疾病的保险要花100元,那么买一份保额同样为1万元只保1个疾病的保险就只花10元。因此,有的女性保险条款就专门剔除了非妇女疾病的保障,以针对特定人群达到低保费、高保障的效果。此外,女性保险不仅涵盖了普通寿险的重大疾病,还针对女性生理特征特别设立了相关的险种。目前,各大保险公司基本上都有针对女性在单身、结婚、妊娠、生育等各个特定时期的保险项目。美国友邦公司在“女性生育健康附加险”中,对怀孕女性怀孕期的两种疾病和分娩身故给予赔付,对新生婴儿七大先天性重疾和五大手术给予赔付。这种细分的结果就使女性在选择时的针对性更强,不同的人能根据各自的实际情况选择合适的险种,真正达到“女人独享”。不过对比国外的女性保险,国内的险种还存在着很大的局限性,数量和种类也极为有限,而且缺乏细节性的条款。比如,在国外有女性身体器官保险、女性体检保险等,几乎照顾到了每个生活细节。女性购险须知面对市场上出现的多种女性保险,如整容手术保险、意外保险、母婴安康及人身保障保险等,应该如何挑选适合自己的产品和组合呢?保险是一种复杂商品,一定要慎重对待。除了购买保险须注意的一般事项外,在购买女性保险时,一定要在风险没有发生前做好准备,不要等发现了风险后才找风险承担者。女性虽然生命周期比较长,但是疾病发生率较男性更高,而且职业周期也较短,因此年轻女性应及早地进入保障体系,越是年轻的时候投保,缴费越少,利益保障的时间也更长。女性购买保险时不要被其包装所迷惑,有的保险公司实际上没有真正的女性保险产品,而只是将一些普通的保险产品作一个组合,名为女性保险,其实名不副实。如果家人保单的主险和附加险内已经包含了某些全家都能享受的医疗保障,就没有必要再为自己投保。目前市场上有些保险公司甚至将女性某些疾病单列出来后,保费不变,却降低了保额,保险人的利益实际上受到了损害。女性在选择保险时,必须擦亮双眼,炼就一双火眼金睛。部分观点来源于北京市保险行业协会的任丽,太平洋保险公司邓伟,新华人寿保险公司吴金华
Ms. Xu from Hangzhou was diagnosed with breast cancer at the hospital clinic at the end of last year. Fortunately, she insured Corning Life Insurance Co., Ltd. of China Life Insurance Co. in 2001 with a maximum sum of 600,000 yuan and a total payment of 60,000 yuan in three years yuan. In the end, Ms. Xu received a major illness insurance claim of 400,000 yuan from the company. At the same time, the insurance company also waived the renewed premium of 320,000 yuan that she should pay in the future. The policy remained valid with an actual compensation amount of 720,000 yuan yuan. This insurance extended her helping hand when Ms. Xu suffered an unhappy death. As a result, disease insurance tailored to the characteristics of women came into being. The economically independent modern women’s demand for insurance is not lower than men’s, and are more able to bear the premiums independently, and a good insurance plan has also become the best helper to help women to fulfill their responsibilities. According to Pacific Insurance Company, the company currently accounts for 60% of the total number of female customers, which is 20% higher than that of men. Female exclusive protection Female insurance is a type of insurance designed specifically for women. Since it is female insurance, of course, it is necessary to label “Lady dedicated ” label, on the one hand more targeted, on the other hand due to the removal of some _ does not apply to women’s insurance features, premiums are relatively low. If you buy a sum insured 10,000 yuan to protect a total of 10 diseases to spend 100 yuan, then buy a same amount of insurance for 10,000 yuan only to protect a disease insurance only spend 10 yuan. Therefore, some women’s insurance clauses specifically exclude non-women’s diseases so as to achieve low-premium and high-security effects for specific groups of people. In addition, women’s insurance covers not only the major diseases of ordinary life insurance, but also the special insurance for the physiological characteristics of women. At present, the major insurance companies basically have insurance programs targeted at women in various specific periods such as singleness, marriage, pregnancy and childbearing. American International Assurance Company in the “female reproductive health insurance”, pregnant women during pregnancy, two diseases and childbirth give compensation, the seven newborn baby congenital severe diseases and the five major surgery to pay. As a result of this subdivision, women are more targeted in their choices. Different people can choose the appropriate insurance according to their actual conditions and truly achieve “exclusive womanhood.” However, compared with foreign female insurance, there are still many limitations in the national insurance, the quantity and type are also very limited, and the lack of detailed provisions. For example, there are female body organ insurance and female medical insurance in foreign countries, which take care of almost every detail of life. Tips for Female Insurance How to choose the right products and combinations for a variety of female insurance products on the market such as plastic surgery insurance, accident insurance, maternal and child health and personal protection insurance? Insurance is a complex commodity, Must be treated with caution. In addition to the general matters to be aware of when buying insurance, be sure to prepare for the risk before it occurs when buying female insurance. Do not wait for the risk to be found before you look for a stakeholder. Although women have a longer life cycle, their incidence is higher than that of men and their occupational cycles are also short. Therefore, young women should enter the safeguards system as early as possible. The younger they are insured, the less they pay, the longer the time for benefits protection long. Women should not be fooled by their packaging when buying insurance. Some insurers actually do not have real female insurance products, but just make some combination of ordinary insurance products, called female insurance, in fact unworthy of the word. There is no need to insure yourself if the main and supplementary risks to your family policy already include some Medicare that the whole family can enjoy. At present, some insurance companies in the market have even listed certain diseases of women out of single expenses, while the premiums remain unchanged, but the sum insured is reduced, and the interests of insurers have actually been harmed. Women in the choice of insurance, you must polish their eyes, refining a pair of eye-catching eyes. Some of the views from Beijing Insurance Association Ren Li, Pacific Insurance Company Deng Wei, Xinhua Life Insurance Company Wu Jinhua