(人寿保险)Life Insurance.pptVIP

Critical Illness Cover This can be an independent policy, or it can be an additional benefit to a life assurance policy, such as endowment assurance. A lump sum is paid out when the insured person is diagnosed as having one of several critical diseases. These always includes cancer, stroke and heart attack. Permanent Health Insurance This policy covers the risk of permanent total disability. The cover is designed to pay a regular income after a waiting period if the insured person becomes so sick or disabled during the term of the policy that he or she cannot do his or her usual job. That is,