Benefit Calculator
Calculate insurance payouts, required coverage amounts, and premium estimates based on user inputs. Covers life, health, critical illness, disability, and annuity calculations.
When to Use
- - User asks "how much life insurance do I need?"
- User wants to calculate expected reimbursement for a medical expense
- User wants to know how much critical illness cover to buy
- User asks about expected annuity income from a retirement policy
- User wants to estimate premium for a given coverage amount
How to Use
- 1. Identify calculation type (coverage needed / payout expected / premium estimate)
- Collect required inputs (income, expenses, dependents, age, sum assured, etc.)
- Apply standard actuarial formulas or rule-of-thumb benchmarks
- Show calculation steps transparently
- Present result with context (is this enough? industry benchmark?)
- Offer sensitivity analysis (what if income increases / expenses change?)
Examples
- - "How much life insurance do I need? I earn ¥300,000/year with a wife and two kids"
- "If I'm hospitalized for 5 days at ¥2000/day, how much will my insurance pay?"
- "How much critical illness cover should a 40-year-old have?"
福利计算器
根据用户输入计算保险赔付、所需保额及保费估算。涵盖寿险、健康险、重大疾病险、失能险及年金计算。
使用场景
- - 用户询问我需要多少寿险保额？
- 用户想要计算某项医疗费用的预期报销金额
- 用户想知道应该购买多少重大疾病保障
- 用户询问退休保单的预期年金收入
- 用户想要估算给定保额对应的保费
使用方法
- 1. 确定计算类型（所需保额/预期赔付/保费估算）
- 收集所需输入项（收入、支出、家属情况、年龄、保额等）
- 应用标准精算公式或经验法则基准
- 透明展示计算步骤
- 结合背景呈现结果（是否足够？行业基准如何？）
- 提供敏感性分析（如果收入增加/支出变化会怎样？）
示例
- - 我需要多少寿险保额？我年收入30万元，有妻子和两个孩子
- 如果我住院5天，每天费用2000元，我的保险能赔付多少？
- 40岁的人应该购买多少重大疾病保障？
