富邦人壽
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Mayelana nalolu hlelo lokusebenza
I-Fubon Life APP ikuvumela ukuthi ulandelele ulwazi lwenqubomgomo nganoma yisiphi isikhathi. Isevisi yomuntu siqu kanye nolwazi lokusebenza oluhlukile. Bobabili umphakathi jikelele kanye nabanikazi benqubomgomo ye-Fubon Life bangathola isevisi yeselula esheshayo nesheshayo!
"Izigxivizo zeminwe, ukubonwa kobuso nephethini yokuthinta" ukungena ngemvume kulula kakhulu!
Imisebenzi evame ukusetshenziswa ibhalwe ngokucacile ku-"APP ikhasi eliyisiqalo" ukuze isetshenziswe ngokushesha!
"Indawo Yelungu Lomnikazi Wepholisi" inikeza imibuzo ye-inthanethi yamahora angu-24, futhi umlayezo wesaziso ungasethwa ukuze uxhunywe nomsebenzi wokukhumbuza ikhalenda yeselula, elula futhi ecabangelayo.
"Imalimboleko Yenqubomgomo" ikuvumela ukuthi uboleke imali ngokushesha ku-inthanethi ukuze uhlangabezane nezidingo zakho eziphuthumayo.
"Isiteshi Sesevisi" sihlola ngokushesha ikheli kanye nenombolo yocingo yabasebenzi besevisi nezikhungo zesevisi yamakhasimende, futhi ungabashayela ngokushesha uma kunesidingo.
"Ukuphathwa Kwempilo Yami" kunomsebenzi wokuthatha izithombe nokuzilayisha, okwenza kube lula futhi ukwazi ukuphatha izinqubomgomo zomshuwalense wezempilo ngokuzimela.
★Ukuze kuhlinzekwe ngezinsizakalo ezingcono, i-Fubon Life APP isekela kuphela izinguqulo zesistimu yokusebenza engaphezu kwe-Android 7.0 (ehlanganisiwe) Sicela ubuyekeze uhlelo lokusebenza ngokushesha ngangokunokwenzeka ukuze uthole izinsizakalo ezingcono!
★Khumbuza, kunconywa ukuthi ufake isofthiwe yokuvikela ukuthuthukisa ukuphepha kwedivayisi yakho yeselula.
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Ubuncane kanye nesikhathi esiphezulu sokukhokha
Izikhathi ezincane nezinkulu zokukhokha imali mboleko yomuntu siqu zisuka ngosuku inkampani yomshuwalense ekhokha ngayo inani lemali mboleko kuze kube sekupheleni kwale nkontileka phakathi nesikhathi sokuboleka. (Umboleki angase futhi akhokhe noma akhokhe ingxenye yemali mboleko nganoma yisiphi isikhathi phakathi nesikhathi semalimboleko.
Khokha uthishanhloko kanye nenzalo yemali mboleko (ngemuva kwalokhu ebizwa ngokuthi uthishanhloko kanye nenzalo yemali mboleko));
Uma le nkontileka iwumshwalense wempesheni, isikhathi sokubolekwa sizophela lapho inkontileka icishwa noma
ngaphambi kokuthi inkokhelo iqale. Nokho, lokhu akusebenzi ezimeni lapho isikhathi sesiqinisekiso semali etholwayo sichazwe kule nkontileka noma inkampani yomshwalense ingakwazi ukufaka isicelo semali mboleko yomshwalense ngaphambi kokuba inani lesiqinisekiso likhokhwe ngokugcwele.
Isilinganiso Sephesenti Eliphezulu Lonyaka (APR)
Indlela yokunquma izinga lenzalo yokuboleka iyahlukahluka kuye ngezici zomkhiqizo womshuwalense ngamunye, njengoba kuchazwe ngezansi:
1. Imikhiqizo yomdabu ngamadola ase-Taiwan: inqubomgomo enqunywe kusengaphambili izinga lenzalo + ububanzi bokukhuluphala ngokweqile, nomkhawulo ophezulu ongu-6.25%.
Ibanga lokukhuluphala ngokweqile: izinga lenzalo elinqunywe kusengaphambili inqubomgomo <= 2.5%: ukukhuluphala ngokweqile 1.5%
2.5%＜Isilinganiso senzalo esihleliwe senqubomgomo＜=3%: engeza u-1%,
3%＜Isilinganiso senzalo esihleliwe senqubomgomo: kanye no-0.5%.
2. Umshwalense wokuphila wesilinganiso senzalo sedola lase-Taiwan: Thatha isilinganiso esiphezulu (isilinganiso senzalo esinqunywe kusengaphambili senqubomgomo, isilinganiso senzalo esimenyezelwe (Qaphela 1)) + ububanzi bokukhuluphala ngokweqile, obunomkhawulo ophezulu ongu-6.25%.
Ibanga lokukhuluphala ngokweqile: Thatha elikhudlwana (izinga lenzalo elinqunywe kusengaphambili lenqubomgomo, izinga lenzalo elimenyezelwe) <= 2.5%: Ukukhuluphala ngokweqile 1.5%
2.5%＜Thatha enkulu (isilinganiso senzalo esinqunywe kusengaphambili senqubomgomo, isilinganiso senzalo esimenyezelwe)＜=3%: engeza u-1%
3%＜Noma yikuphi okukhulu (isilinganiso senzalo esinqunywe kusengaphambili senqubomgomo, isilinganiso senzalo esimenyezelwe): engeza u-0.5%.
3. I-Taiwan Dollar Variable Annuity/Taiwan Dollar Universal Life Insurance: Izinga lenzalo elimenyezelwe (Qaphela 2) +1%, umkhawulo ophezulu ngu-6.25%.
4. Uhlobo lokutshalwa kwezimali kwedola laseTaiwan/Imikhiqizo yochungechunge lwedola laseTaiwan iGeely: I-akhawunti evamile enesisindo sesilinganiso senzalo esimaphakathi (inothi 3) + 1%, umkhawulo ophezulu ngu-6.25%. ※ Isilinganiso senzalo esilinganiselwe se-akhawunti jikelele kulo nyaka si-3.26%, futhi izinga lenzalo yokuboleka libalwa ku-4%
5. Izimpahla zendabuko zemali yakwamanye amazwe: Izinga lenzalo elinqunywe kusengaphambili yinqubomgomo +1.5%, umkhawulo ophezulu u-9%.
6. Umshwalense wokuphila wezinga lenzalo yemali yangaphandle: thatha isilinganiso esiphezulu (isilinganiso senzalo esinqunywe kusengaphambili senqubomgomo, isilinganiso senzalo esimenyezelwe (Qaphela 1)) + 1.5%, onomkhawulo ophezulu ongu-9%.
7. Imali yangaphandle eguquguqukayo yonyaka/uhlobo lwemali yangaphandle umshwalense wokuphila emhlabeni wonke: isilinganiso senzalo esimenyezelwe (Qaphela 2) +1.5%, umkhawulo ophezulu ngu-9%.
8. Imikhiqizo yokutshalwa kwezimali yohlobo lwemali yangaphandle/imikhiqizo yebhondi exhunywe ngemali yangaphandle: I-akhawunti evamile enesisindo sesilinganiso senzalo esimaphakathi (Qaphela 3) + 2%, umkhawulo ophezulu ongu-9%.
9. I-Fubon Life (International) I-Global Dolly Universal Whole Life Insurance (FUC): Izinga lenzalo elimenyezelwe +0.5%, umkhawulo ophezulu u-9%.
Qaphela 1: Izinga lenzalo elimenyezelwe lisho inani lenzalo elimenyezelwa inkampani ngosuku lokuqala lwebhizinisi lwenyanga ngayinye ekubaleni nasekuqoqweni kwezimali zokwabelana ngenani elingeziwe.
Qaphela 2: Izinga lenzalo elimenyezelwe lisho inani lenzalo elimenyezelwe ngosuku lokuqala kwenkontileka noma usuku lokukhumbula unyaka (inyanga) yepholisi ngayinye futhi elisetshenziselwa ukubala inani lepholisi yonyaka wepholisi (inyanga).
Inothi 3: Isilinganiso senzalo esilinganiselwe se-akhawunti evamile "izinga lenzalo elinqunyelwe kusengaphambili lomkhiqizo ngamunye ongenzi inzuzo" kanye "nokuphakama kwesilinganiso senzalo esimenyezelwe kanye nezinga lenzalo elinqunywe kusengaphambili lomkhiqizo ngamunye onenzuzo" kumkhakha womshuwalense wezempilo jikelele. i-akhawunti, ngokusekelwe emalini ediphozithi yomkhiqizo ngamunye womshwalense Inani lezimali ezigodliwe kanye nezinga lenzalo elibalwa ngesilinganiso esikaliwe.
2. Kodwa-ke, uma noma yisiphi kulezi zimo ezilandelayo senzeka esilinganisweni senzalo yemalimboleko yomkhiqizo womshwalense esigabeni esandulele, inkampani yomshwalense ingase ilungise futhi ibale inzalo ngokusekelwe enanini elisha lenzalo kusukela ngedethi yesimemezelo sokulungiswa:
(1) Lapho kudingeka ukulungiswa ngenxa yokuchitshiyelwa komthetho, inkampani yomshwalense ingase ibale izinga lenzalo ngokusekelwe enanini elisha lenzalo elibalulwe emthethweni kusukela ngosuku okumenyezelwe ngalo ukulungiswa emthethweni.
(2) Lapho inkampani yomshwalense idinga ukulungisa izinga layo lenzalo ebolekayo ngenxa yezinguquko ezimweni zemakethe, izinga lokulungiswa kwesilinganiso senzalo ngeke lidlule "i-Taiwan Bank, Cooperative Bank, Okwesithathu."
Ibanga lokushintsha izinga lokuboleka kwebhange elimaphakathi lonyaka. Uma amabhange ashiwo ngenhla ehlanganiswa, ehlanganiswa, eqedwa, eyeka ukusebenza, eqothuka, ehlelwa kabusha noma
Uma esinye sezimo ezishiwo ku-Article 62 yoMthetho Wamabhange siyalwa ukuba kumiswe ibhizinisi, kube ngaphansi kokugadwa, ukuthatha izintambo, njll., kuzolungiswa noma kukhanselwe, futhi inkampani yomshwalense ingase ikhethe enye.
Ibhange liyayishintsha.
(3) Ukulungiswa kwezinga lenzalo yemalimboleko kulesi sihloko kuzodalulwa esidlangalaleni kuwebhusayithi yenkampani yomshwalense noma ngendlela okuvunyelwene ngayo nomboleki.
(4) Inkampani yomshwalense izokwazisa umboleki kathishanhloko, inzalo kanye nezinga lenzalo yemali mboleko ngemvamisa yesaziso kanye nendlela okuvunyelwene ngayo nomboleki.
Isibonelo esimele yenani lezindleko zemali mboleko
Isibonelo esimele yenani lezindleko zemali mboleko yomuntu siqu ngu
Ake sithi uboleka ama-yuan angu-100,000, izinga lenzalo lonyaka lemalimboleko yenqubomgomo ngu-"4%"
Inzalo yonyaka owodwa ngu-100,000 * 4% = 4,000 yuan, futhi azikho ezinye izinkokhelo ezihlobene.
Ngesikhathi semali mboleko, kusukela ngosuku inkampani yomshuwalense ekhokha ngayo inani lemali ebolekiwe kuze kube sekupheleni kwalesi sivumelwano, umboleki angase abuyisele noma abuyisele ingxenye uthishanhloko kanye nenzalo yemali mboleko nganoma yisiphi isikhathi)
Inzalo yokuboleka izobalwa nsuku zonke kusukela ngosuku lokwabiwa kwezimali kusetshenziswa inzalo elula ngokusekelwe enanini lenzalo yonyaka yomshwalense, futhi inzalo yemalimboleko izokhokhwa kanye ngonyaka. Inzalo kufanele ikhokhwe enkampanini yomshwalense ngokwayo ngosuku lomnqamulajuqu
"Izigxivizo zeminwe, ukubonwa kobuso nephethini yokuthinta" ukungena ngemvume kulula kakhulu!
Imisebenzi evame ukusetshenziswa ibhalwe ngokucacile ku-"APP ikhasi eliyisiqalo" ukuze isetshenziswe ngokushesha!
"Indawo Yelungu Lomnikazi Wepholisi" inikeza imibuzo ye-inthanethi yamahora angu-24, futhi umlayezo wesaziso ungasethwa ukuze uxhunywe nomsebenzi wokukhumbuza ikhalenda yeselula, elula futhi ecabangelayo.
"Imalimboleko Yenqubomgomo" ikuvumela ukuthi uboleke imali ngokushesha ku-inthanethi ukuze uhlangabezane nezidingo zakho eziphuthumayo.
"Isiteshi Sesevisi" sihlola ngokushesha ikheli kanye nenombolo yocingo yabasebenzi besevisi nezikhungo zesevisi yamakhasimende, futhi ungabashayela ngokushesha uma kunesidingo.
"Ukuphathwa Kwempilo Yami" kunomsebenzi wokuthatha izithombe nokuzilayisha, okwenza kube lula futhi ukwazi ukuphatha izinqubomgomo zomshuwalense wezempilo ngokuzimela.
★Ukuze kuhlinzekwe ngezinsizakalo ezingcono, i-Fubon Life APP isekela kuphela izinguqulo zesistimu yokusebenza engaphezu kwe-Android 7.0 (ehlanganisiwe) Sicela ubuyekeze uhlelo lokusebenza ngokushesha ngangokunokwenzeka ukuze uthole izinsizakalo ezingcono!
★Khumbuza, kunconywa ukuthi ufake isofthiwe yokuvikela ukuthuthukisa ukuphepha kwedivayisi yakho yeselula.
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Ubuncane kanye nesikhathi esiphezulu sokukhokha
Izikhathi ezincane nezinkulu zokukhokha imali mboleko yomuntu siqu zisuka ngosuku inkampani yomshuwalense ekhokha ngayo inani lemali mboleko kuze kube sekupheleni kwale nkontileka phakathi nesikhathi sokuboleka. (Umboleki angase futhi akhokhe noma akhokhe ingxenye yemali mboleko nganoma yisiphi isikhathi phakathi nesikhathi semalimboleko.
Khokha uthishanhloko kanye nenzalo yemali mboleko (ngemuva kwalokhu ebizwa ngokuthi uthishanhloko kanye nenzalo yemali mboleko));
Uma le nkontileka iwumshwalense wempesheni, isikhathi sokubolekwa sizophela lapho inkontileka icishwa noma
ngaphambi kokuthi inkokhelo iqale. Nokho, lokhu akusebenzi ezimeni lapho isikhathi sesiqinisekiso semali etholwayo sichazwe kule nkontileka noma inkampani yomshwalense ingakwazi ukufaka isicelo semali mboleko yomshwalense ngaphambi kokuba inani lesiqinisekiso likhokhwe ngokugcwele.
Isilinganiso Sephesenti Eliphezulu Lonyaka (APR)
Indlela yokunquma izinga lenzalo yokuboleka iyahlukahluka kuye ngezici zomkhiqizo womshuwalense ngamunye, njengoba kuchazwe ngezansi:
1. Imikhiqizo yomdabu ngamadola ase-Taiwan: inqubomgomo enqunywe kusengaphambili izinga lenzalo + ububanzi bokukhuluphala ngokweqile, nomkhawulo ophezulu ongu-6.25%.
Ibanga lokukhuluphala ngokweqile: izinga lenzalo elinqunywe kusengaphambili inqubomgomo <= 2.5%: ukukhuluphala ngokweqile 1.5%
2.5%＜Isilinganiso senzalo esihleliwe senqubomgomo＜=3%: engeza u-1%,
3%＜Isilinganiso senzalo esihleliwe senqubomgomo: kanye no-0.5%.
2. Umshwalense wokuphila wesilinganiso senzalo sedola lase-Taiwan: Thatha isilinganiso esiphezulu (isilinganiso senzalo esinqunywe kusengaphambili senqubomgomo, isilinganiso senzalo esimenyezelwe (Qaphela 1)) + ububanzi bokukhuluphala ngokweqile, obunomkhawulo ophezulu ongu-6.25%.
Ibanga lokukhuluphala ngokweqile: Thatha elikhudlwana (izinga lenzalo elinqunywe kusengaphambili lenqubomgomo, izinga lenzalo elimenyezelwe) <= 2.5%: Ukukhuluphala ngokweqile 1.5%
2.5%＜Thatha enkulu (isilinganiso senzalo esinqunywe kusengaphambili senqubomgomo, isilinganiso senzalo esimenyezelwe)＜=3%: engeza u-1%
3%＜Noma yikuphi okukhulu (isilinganiso senzalo esinqunywe kusengaphambili senqubomgomo, isilinganiso senzalo esimenyezelwe): engeza u-0.5%.
3. I-Taiwan Dollar Variable Annuity/Taiwan Dollar Universal Life Insurance: Izinga lenzalo elimenyezelwe (Qaphela 2) +1%, umkhawulo ophezulu ngu-6.25%.
4. Uhlobo lokutshalwa kwezimali kwedola laseTaiwan/Imikhiqizo yochungechunge lwedola laseTaiwan iGeely: I-akhawunti evamile enesisindo sesilinganiso senzalo esimaphakathi (inothi 3) + 1%, umkhawulo ophezulu ngu-6.25%. ※ Isilinganiso senzalo esilinganiselwe se-akhawunti jikelele kulo nyaka si-3.26%, futhi izinga lenzalo yokuboleka libalwa ku-4%
5. Izimpahla zendabuko zemali yakwamanye amazwe: Izinga lenzalo elinqunywe kusengaphambili yinqubomgomo +1.5%, umkhawulo ophezulu u-9%.
6. Umshwalense wokuphila wezinga lenzalo yemali yangaphandle: thatha isilinganiso esiphezulu (isilinganiso senzalo esinqunywe kusengaphambili senqubomgomo, isilinganiso senzalo esimenyezelwe (Qaphela 1)) + 1.5%, onomkhawulo ophezulu ongu-9%.
7. Imali yangaphandle eguquguqukayo yonyaka/uhlobo lwemali yangaphandle umshwalense wokuphila emhlabeni wonke: isilinganiso senzalo esimenyezelwe (Qaphela 2) +1.5%, umkhawulo ophezulu ngu-9%.
8. Imikhiqizo yokutshalwa kwezimali yohlobo lwemali yangaphandle/imikhiqizo yebhondi exhunywe ngemali yangaphandle: I-akhawunti evamile enesisindo sesilinganiso senzalo esimaphakathi (Qaphela 3) + 2%, umkhawulo ophezulu ongu-9%.
9. I-Fubon Life (International) I-Global Dolly Universal Whole Life Insurance (FUC): Izinga lenzalo elimenyezelwe +0.5%, umkhawulo ophezulu u-9%.
Qaphela 1: Izinga lenzalo elimenyezelwe lisho inani lenzalo elimenyezelwa inkampani ngosuku lokuqala lwebhizinisi lwenyanga ngayinye ekubaleni nasekuqoqweni kwezimali zokwabelana ngenani elingeziwe.
Qaphela 2: Izinga lenzalo elimenyezelwe lisho inani lenzalo elimenyezelwe ngosuku lokuqala kwenkontileka noma usuku lokukhumbula unyaka (inyanga) yepholisi ngayinye futhi elisetshenziselwa ukubala inani lepholisi yonyaka wepholisi (inyanga).
Inothi 3: Isilinganiso senzalo esilinganiselwe se-akhawunti evamile "izinga lenzalo elinqunyelwe kusengaphambili lomkhiqizo ngamunye ongenzi inzuzo" kanye "nokuphakama kwesilinganiso senzalo esimenyezelwe kanye nezinga lenzalo elinqunywe kusengaphambili lomkhiqizo ngamunye onenzuzo" kumkhakha womshuwalense wezempilo jikelele. i-akhawunti, ngokusekelwe emalini ediphozithi yomkhiqizo ngamunye womshwalense Inani lezimali ezigodliwe kanye nezinga lenzalo elibalwa ngesilinganiso esikaliwe.
2. Kodwa-ke, uma noma yisiphi kulezi zimo ezilandelayo senzeka esilinganisweni senzalo yemalimboleko yomkhiqizo womshwalense esigabeni esandulele, inkampani yomshwalense ingase ilungise futhi ibale inzalo ngokusekelwe enanini elisha lenzalo kusukela ngedethi yesimemezelo sokulungiswa:
(1) Lapho kudingeka ukulungiswa ngenxa yokuchitshiyelwa komthetho, inkampani yomshwalense ingase ibale izinga lenzalo ngokusekelwe enanini elisha lenzalo elibalulwe emthethweni kusukela ngosuku okumenyezelwe ngalo ukulungiswa emthethweni.
(2) Lapho inkampani yomshwalense idinga ukulungisa izinga layo lenzalo ebolekayo ngenxa yezinguquko ezimweni zemakethe, izinga lokulungiswa kwesilinganiso senzalo ngeke lidlule "i-Taiwan Bank, Cooperative Bank, Okwesithathu."
Ibanga lokushintsha izinga lokuboleka kwebhange elimaphakathi lonyaka. Uma amabhange ashiwo ngenhla ehlanganiswa, ehlanganiswa, eqedwa, eyeka ukusebenza, eqothuka, ehlelwa kabusha noma
Uma esinye sezimo ezishiwo ku-Article 62 yoMthetho Wamabhange siyalwa ukuba kumiswe ibhizinisi, kube ngaphansi kokugadwa, ukuthatha izintambo, njll., kuzolungiswa noma kukhanselwe, futhi inkampani yomshwalense ingase ikhethe enye.
Ibhange liyayishintsha.
(3) Ukulungiswa kwezinga lenzalo yemalimboleko kulesi sihloko kuzodalulwa esidlangalaleni kuwebhusayithi yenkampani yomshwalense noma ngendlela okuvunyelwene ngayo nomboleki.
(4) Inkampani yomshwalense izokwazisa umboleki kathishanhloko, inzalo kanye nezinga lenzalo yemali mboleko ngemvamisa yesaziso kanye nendlela okuvunyelwene ngayo nomboleki.
Isibonelo esimele yenani lezindleko zemali mboleko
Isibonelo esimele yenani lezindleko zemali mboleko yomuntu siqu ngu
Ake sithi uboleka ama-yuan angu-100,000, izinga lenzalo lonyaka lemalimboleko yenqubomgomo ngu-"4%"
Inzalo yonyaka owodwa ngu-100,000 * 4% = 4,000 yuan, futhi azikho ezinye izinkokhelo ezihlobene.
Ngesikhathi semali mboleko, kusukela ngosuku inkampani yomshuwalense ekhokha ngayo inani lemali ebolekiwe kuze kube sekupheleni kwalesi sivumelwano, umboleki angase abuyisele noma abuyisele ingxenye uthishanhloko kanye nenzalo yemali mboleko nganoma yisiphi isikhathi)
Inzalo yokuboleka izobalwa nsuku zonke kusukela ngosuku lokwabiwa kwezimali kusetshenziswa inzalo elula ngokusekelwe enanini lenzalo yonyaka yomshwalense, futhi inzalo yemalimboleko izokhokhwa kanye ngonyaka. Inzalo kufanele ikhokhwe enkampanini yomshwalense ngokwayo ngosuku lomnqamulajuqu
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