収入保障保険とは？加入時の注意点や就業不能保険との違い from hoken-estimate.com
Introduction
In today's uncertain times, securing financial stability has become a top priority for many individuals. One of the ways to achieve this is by investing in insurance policies that cater to our specific needs. In Japan, Rakuten, the popular e-commerce website, offers a unique insurance policy known as the "楽天 収入 保障 保険" or Rakuten Income Protection Insurance. In this article, we will provide a detailed overview of this policy, its benefits, and how it can help secure your financial future.
What is 楽天 収入 保障 保険?
楽天 収入 保障 保険 is a type of income protection insurance offered by Rakuten. It is designed to provide financial support to policyholders in case of illness or injury that prevents them from working and earning an income. This policy is available to individuals between the ages of 20 and 64 who are registered as Rakuten members.
How does it work?
Once a policyholder is unable to work due to illness or injury, they can file a claim with Rakuten. If the claim is accepted, the policyholder will receive a monthly benefit equal to 60% of their average monthly income over the past six months before the illness or injury occurred. This benefit is tax-free and can be used to cover daily expenses or medical bills.
What are the benefits of 楽天 収入 保障 保険?
One of the main benefits of this policy is that it provides a safety net for policyholders in case of unexpected events like illness or injury. This can help ease financial stress and allow individuals to focus on recovery instead of worrying about finances. Another benefit is that the policy offers flexible coverage options. Policyholders can choose the amount of monthly benefit they receive, up to a maximum of 2 million yen per month. They can also choose the waiting period before the benefits kick in, ranging from 30 to 180 days.
How much does it cost?
The cost of the policy depends on several factors, including the policyholder's age, occupation, and chosen coverage options. However, Rakuten offers a premium calculator on their website that allows individuals to estimate the cost of the policy based on their specific situation.
How to apply for 楽天 収入 保障 保険?
To apply for this policy, individuals must first become registered members of Rakuten. They can then apply for the policy online or through Rakuten's call center. The application process involves providing personal information, choosing coverage options, and undergoing a health checkup.
Are there any exclusions?
Like any insurance policy, 楽天 収入 保障 保険 has certain exclusions. For example, the policy does not cover illnesses or injuries that occur due to intentional self-harm, participation in illegal activities, or pre-existing medical conditions. It is important to read the policy terms and conditions carefully before applying.
Conclusion
楽天 収入 保障 保険 is a unique insurance policy that can provide financial support to individuals in case of unexpected events like illness or injury. With its flexible coverage options and easy application process, it is a popular choice among Rakuten members in Japan. If you are looking for a way to secure your financial future, this policy may be worth considering.
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