客户：   艾新华     性别：   男   年龄：   20             
险种名称       保额      年缴保费      缴费期      保障期        
吉祥至尊       100000元      4960元      20年      20   年     
附加08重疾       100000元      280元      20年      20   年     
附加住院医疗       0元      0元      0年      0年        
合计       200000元      5240元      相当于每天     14.4     元     
                                 
                                 
                                 
                                 
 1、满期领取                                
                                 
 保额分红，复利递增，保障金额不断提高，满期领取                    272326        元 。    
                                 
 2、身价保障                                
                                 
 若一年内因疾病身故或身体全残，18周岁前，给付实际交纳的保险费；18周岁之后，                                
                                 
 按主险所交保费的110%给付。                                
                                 
 若因意外或合同生效一年后因疾病身故或身体全残，分为如下两种情况：                                
                                 
 18周岁前，给付实际交纳的保险费与基本保险金额对应的现金价值二者之较大者，                                
                                 
 +累积红利保险金额对应的现金价值+终了红利                  。              
                                 
 18周岁后：给付       200000元     +累积红利保险金额×2+终了红利。                    
                                 
 3、重疾保障                                
                                 
 ①若一年内，初次发生合同所列32种重疾之一，按附加险保额的10%与附加险保费之和                                
                                 
  给付重大疾病保险金                               
                                 
 ②若一年后，给付       100000元      ，附加险合同终止，主险合同继续有效                   
                                 
 4、保费豁免                                
                                 
 若投保人因意外身故或身体全残且介于18周岁至60周岁之间，则免交续期保费                                
                                 
 5、医疗保障      住院医疗一经承保,保证五年续保                          
 住院医疗费用：每次住院对超过500元的部份按70~95%的比例报销，                                
 门诊费用：住院前后各30天内发生的门诊费用,按实际发生门诊费用80%给付。                                
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