招商银行保险提醒，批准的支付基数是根据该省去年的员工平均社会工资（简称省级社会工资）计算的。 （1）如果企业职工的工资低于省级社会工资的60％，则支付的基数为60％;如果工资高于省级社会工资的60％，支付基数应按实际工资收入核定，但最高不得高于省级社会。平均工资的300％。 （2）个体工人可以独立确定省级社会工资范围内的缴费基数，最高可达300％。
1: In fact, each insurance company will have about 5,000 yuan of protection for severe illness + accident insurance, and the annual premium can not exceed 20% of the family's annual income.
2: As far as possible, the insurance portfolio should be comprehensive and can be reimbursed according to the protection of critical illness + accident + hospitalization expenses + hospitalization allowance type of pension insurance. The coverage of insurance coverage is as much as possible. Generally there are 25 kinds of severe illness protection.
3: The payment period can be determined according to the individual's financial ability and preferences. According to your age group, it is recommended to use the payment period of about 15 years. Of course, the same payment amount, the delivery period is longer, and the pension is more. More. You can choose a flexible type of payment period.
4: In terms of pension collection, it is generally recommended to choose the type of insurance that can be collected at any time according to the actual situation in the future. Generally, do not choose how many years are fixed, how much can be received, and how much can only be received each time. /p>
5: The general recommendation is to choose a type of insurance that guarantees lifelong type. People are not as good as days, and now living conditions are getting better and better, more and more than 80 years old.