This is an insurance company. Let me give you a brief introduction of this company.
First of all, let's learn about the basic situation of CITIC Prudential: CITIC Prudential Life Insurance, formerly known as Prudential Life Insurance, was jointly established by CITIC Group (China) and Prudential Group (UK) with a registered capital of 2.36 billion yuan. CITIC Prudential's solvency is extremely high, at 289.75%, which is worthy of recognition in terms of strength. In terms of claims, it is as high as 99%, surpassing many insurance companies.
To sum up, Prudential Life is still trustworthy.
If you only look at insurance companies and don't look at products, you only know a part. In fact, Xincheng has also launched many products that sell well in the market: products that enjoy Wellcome 2020 and health benefits.
The exclusive Wellcome 2020 is a popular critical illness insurance product in the market. Let me tell you about it. Regarding other products of Xincheng, I wrote here, so you can go and have a look: the top ten insurance companies "worth buying" hot critical illness insurance inventory!
As you can see, the biggest advantages of this product are:
Special disease protection: friendly to diabetic patients. In addition to the basic protection for serious and mild diseases, there are additional payments for major organ or hematopoietic stem cell transplantation and diabetic complications, as well as long-term care for the elderly.
Disadvantages are:
1. Expensive product: Although the protection is comprehensive, compared with other critical illness insurance on the market, the price is really expensive, and it is not a cost-effective product.
2. Lack of disease liability in China: At present, many critical illness insurance products include three basic protections: heavy, medium and light, but this one does not protect China's disease.
3. The proportion of down payment for mild illness is low: even if there are 7 payments for mild illness and it is incremental payment, the down payment is only 20%, which is a bit low. Compared with many products on the market, this down payment is too low.
4. Need to increase the exemption function of the insured's minor illness: to enjoy the exemption of the insured in Wellcome 2020, you need to pay extra premium, but in fact, the exemption of the insured in many products is attached to the main insurance now, so the insured is no longer required to pay.
If you are interested in the protection of diabetes and the price is within your budget, this one is more suitable for you;
If this product does not meet your expectations, please read my article: