Câu hỏi 185. Khách hàng nhận được quyền lợi nào từ “Bảo hiểm nhân thọ kết hợp tín dụng ngân hàng”?

Câu hỏi 185. Khách hàng nhận được quyền lợi nào từ “Bảo hiểm nhân thọ kết hợp tín dụng ngân hàng”?

Trả lời:

 

Bảo hiểm nhân thọ kết hợp với tín dụng ngân hàng là sản phẩm bảo hiểm nhân thọ dành cho những người vay tiền ngân hàng. Người tham gia bảo hiểm này sẽ nhận được đồng thời hai quyền lợi cơ bản sau:

– Ngân hàng:

+ Vay tiền ngân hàng: số tiền vay và thời hạn khoản vay được thoả thuận với ngân hàng. Người vay tiền có trách nhiệm hoàn trả Vốn , lãi cho ngân hàng theo đúng định kỳ đã thỏa thuận.

– Bảo hiểm:

+ Được chấp nhận bảo hiểm tự động

+ Thời hạn bảo hiểm = thời hạn khoản vay

+ Phạm vi bảo hiểm: tử kỳ (bảo hiểm tử vong có thời hạn) và Thương tật toàn bộ vĩnh viễn

+ Số tiền bảo hiểm: Giảm dần tương ứng với số tiền vay

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