Let's take China PICC and Xintai Life Insurance, a small company called by everyone, to PK to see which insurance company is more powerful and which insurance company has more critical illness insurance.
So, which can stand out in this pk, the critical illness insurance of big companies or the critical illness insurance of small companies? Busy friends can browse this article directly:
Is it better for a big company or a small company to buy insurance? 》
1. Compared with China PICC, which one is more trustworthy?
The comparison between Xintai Life Insurance Company and China People's Insurance Company, senior analyzed from two aspects: claim limit and compensation ability:
& gt& gt China People's Insurance Company
China PICC is a central financial enterprise and one of the top 500 enterprises in the world. Founded in 1949, with a registered capital of more than 4 million yuan, it was listed in the Fortune China and Fortune 500 list 14 and12 respectively in 2020.
The solvency of an insurance company mainly refers to the insurance company's claim settlement ability. However, whether PICC China's claims ability is up to standard, please see the official data map:
China PICC's core solvency adequacy ratio is 174%, its comprehensive solvency adequacy ratio is 2 16%, and its latest risk neutralization rating is A.
It can be seen that the solvency of PICC China has far exceeded the provisions of the CBRC (core solvency adequacy ratio ≥50%, comprehensive solvency adequacy ratio ≥ 100%, and comprehensive risk rating of B and above).
The following are the annual claims of PICC in China in 2020:
It can be seen that in 2020, PICC China made14.77 million claims, which can reach more than 40,000 claims every day. Are you still afraid of the speed of PICC in China?
There is absolutely no need to worry. How can an insurance company with such strong economic strength have poor claims service?
Friends who are a little strange to PICC in China, see what the insurance experts say:
What is the strength of PICC in China? This amazing product is defective ... "
& gt& gt Xintai Life Insurance
Xintai Life Insurance was established on May 8, 2007 with a registered capital of 5 billion yuan and its headquarters is located in Hangzhou, Zhejiang.
Xintai Life Insurance has won many honors, such as the trustworthy innovative insurance company in 20 19, the life insurance company with excellent competitiveness in 2020 and the most valuable insurance brand in 2020.
In 2020, Xintai Life Insurance realized insurance business income of 45.4438 billion yuan, with total assets exceeding 1000 billion yuan.
Is Xintai Life's claim settlement ability excellent? Official website data first:
As shown in the above figure, the solvency adequacy ratio of Xintai Life Insurance is 153.56%.
Therefore, Xintai Life's solvency has passed the audit!
After understanding the solvency of Xintai Life Insurance, let's take a look at the claim limit of this insurance company. The insurance company's claim limit can reflect the insurance company's claim service from the side.
The very important content of an insurance company includes its claims service. After all, if the customer is in danger, the time spent on claims can be seen from the speed at which the customer gets the money!
The repayment data of Xintai Life Insurance in 2020 are as follows:
Accordingly, this Xintai Life Insurance has a very good time limit for claims in 2020. Small claims are settled in less than half a day, and the settlement rate can reach 99.9%. However, the compensation limit of the insurance company indirectly expresses that Xintai Life Insurance is very serious about claims service!
To this end, if you want to know more about Xintai Life's small partners, you can poke here to understand:
Generally speaking, Xintai Life Insurance and China PICC are very strong and evenly matched. Even so, the strength of Xintai Life Insurance and China People's Insurance Company cannot be put together with the contents of their critical illness insurance!
2. Which is better, Xintai Life Insurance or PICC China?
& gt& gtPICC carefree life 202 1
First of all, let's take a look at China PICC's critical illness insurance -PICC carefree life 202 1, and present the product map:
The nature of PICC Worry-Free Life 202 1 is to guarantee lifelong critical illness insurance, which can be applied by all people who have been born for 28 days and over 55 years old. From the perspective of insurance requirements, PICC carefree life 202 1 is very friendly in the setting of insurance rules, but it is really unfriendly from the perspective of long waiting period!
Be clear. During the waiting period, the insurance company will not compensate for the accident.
However, there is also a special situation. In this case, the insurance company will not be able to pay without compensation:
"The insurance company will not lose money during the waiting period? If you don't understand, you will suffer a big loss! 》
Then, it can be seen from the guarantee rules of PICC Worry-Free Life 202 1 that the basic guarantee responsibility of this product is extremely perfect, the guarantee strength is not strong, and the serious illness protection can not get additional compensation.
After all, many critical illness insurance in the market suffered from serious illness before the age of 60, and extra compensation can get 80% of the basic coverage.
Secondly, PICC Worry-Free Life 202 1 is not very cost-effective. In addition to the basic security responsibility, the security responsibility also includes the death security responsibility and the exemption of the insured, which is expensive!
A 30-year-old man who buys an insurance amount of 500,000 yuan can keep it for life and pay it for 30 years, which will generate the premium of 1.2 1.500 yuan, which is much higher than the same type of critical illness insurance in the market!
& gt& gt Xintai Life Insurance Darwin No.5 Huan New Edition
Let's take a look at what the new Darwin 5 ring guarantees:
The new Darwin 5 environmental protection guarantee period is 202 1, which covers more options. You can choose to keep it until you are 70, or you can choose to keep it for life. In addition, the waiting period of the new version of Darwin V Huanbao is the best level at present, which is 90 days. To sum up, the new insurance rules of Darwin No.5 Huanbao are still very friendly!
Looking at the guarantee content, the new version of Darwin's Fifth Joy has many excellent places. The basic guarantee of this product is "mild illness+moderate illness+serious illness" to provide additional compensation.
Among them, those who are seriously ill before the age of 60 can get 80% of the basic guarantee, and the highest compensation ratio is 180%. When you are diagnosed with a serious illness for the first time, you can pay an extra 30% of the basic insurance amount. Invincible!
For mild and moderate diseases found within the age of 60, 10% of the basic insurance premium and 15% of the basic insurance premium shall be paid respectively.
Compared with this carefree life 202 1, the new version of Darwin's Fifth Joy is very practical and has great guarantee.
It is noteworthy that the new edition of Darwin V also provides more choices, and Darwin V also has optional secondary malignant tumors-severe and secondary specific cardiovascular and cerebrovascular diseases. More cost-effective!
Obviously, after the new version of Darwin V is 202 1, senior sister thinks it's better to buy Darwin V for the new version!
Third, the summary of the senior sister
On the whole, Xintai Life Insurance and PICC China have good strength and are very good insurance companies.
Comparing the critical illness insurance of Xintai Life Insurance with the critical illness insurance of China People's Insurance Company-Darwin No.5 Huan New Edition and PICC No-Worry Life 202 1, Senior Sister suggested buying Darwin No.5 Huan New Edition!
Of course, you can also choose worry-free life 202 1 care, but the protection is not great and there are fewer responsibilities to choose from. If you simply pursue basic security, it is quite suitable. You can buy it if you have enough budget.
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
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I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
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