Before we begin, Senior Sister wants to show you the way of an article and introduce Sunshine Insurance Company to you:
How about Sunshine Insurance Company? Is the product worth buying? The most comprehensive evaluation of the whole network! 》
First, Sunshine Insurance Company made a big start!
If we want to analyze whether an insurance company is reliable, we will generally analyze this problem from the perspectives of economic strength and solvency. Then let's take a look at the performance of these two pieces of Sunshine Insurance Company:
1 economic strength
Sunshine Insurance Company, full name of Sunshine Life Insurance Co., Ltd., was established in 2007 with a registered capital of 65.438+0.834 billion yuan.
Since its establishment, Sunshine Insurance has solved the employment problem of 280,000 people, provided insurance protection for more than 4180,000 customers, accumulated social risks of 14 10 billion yuan, and paid various kinds of compensation of over 202 billion yuan.
Since its establishment five years ago, the company has become one of the top 500 enterprises in China. At present, the Group has a number of professional subsidiaries such as property insurance, life insurance, credit guarantee insurance, asset management and medical care.
In a word, Sunshine Insurance Company is super strong, large in scale and very good in economic strength!
2. Solvency
I think you know insurance companies and are familiar with solvency. What does this mean?
Solvency is simply the ability of insurance companies to pay the insured amount, and the strength of insurance companies can be measured by it. The higher the solvency, the higher the insurance company's claim settlement ability, and the smaller the risk of bankruptcy.
According to the standards of China Banking and Insurance Regulatory Commission, the solvency eligibility criteria are as follows:
The core solvency adequacy ratio is above 50%;
The comprehensive solvency adequacy ratio is above 100%;
The comprehensive risk rating is above Grade B..
What is the solvency of Sunshine Insurance Company? By studying the data of Sunshine Insurance official website as of the first quarter of 2002/KLOC-0, we can easily draw the following conclusions:
The core solvency of Sunshine Insurance Company reached178.09%;
The comprehensive solvency of Sunshine Insurance Company reached 209.68%;
According to the information disclosure report of Sunshine Insurance Company 202 1, its latest comprehensive risk rating is A.
Comparing its various indicators, we can clearly see that Sunshine Insurance Company has a strong solvency, so we are no longer worried about such a situation.
In a word, Sunshine Insurance Company is excellent enough, with profound qualifications and strong strength. Don't worry!
More ways to measure the Excellence of insurance companies, Senior Sister has sorted it out for everyone and put it here:
"What should we pay attention to when we pay attention to insurance companies? 》
However, my senior told you before that compared with insurance companies, when choosing insurance, people value products the most. Today, let's take a look at a new product of Sunshine Insurance Company-Sunshine Real I Critical Illness Insurance.
Second, is it reliable? Let's look at the sunshine. I guarantee regular critical illness insurance.
If nothing else, look at the picture first:
As can be seen from the information in the figure, Sunshine True Self Insurance only designed serious diseases in basic nursing, covering 100 specific serious diseases and 20 rare serious diseases, paying 1 time, and paying 100% of the insured amount each time; Optional responsibilities include disease exemption, minor illness exemption and death protection in China and China. This protection is relatively simple.
Sunshine life insurance has the following two advantages:
First, the security responsibility is relatively flexible: except for serious illness, moderate illness and mild illness are optional, and the insured can choose insurance flexibly.
Second, the guarantee period is flexible and diverse: four guarantee periods are provided, namely 10 year, 20 years, 30 years or 70 years old. The insured can also freely choose the guarantee period according to their own needs.
But apart from these two advantages, the senior can't find other special highlights, but she found many shortcomings!
1, the compensation is relatively general.
It's really bad for the sun to ensure the payment of regular critical illness insurance. The proportion of serious illness insurance is 100%, the proportion of moderate illness insurance is 50%, and the proportion of mild illness insurance is 30%. The premium paid is compensation after death. ...
Compared with similar products on the market, such as Kanghuibao flagship version 2.0, the same place is that moderate and mild diseases are optional, and the basic responsibility is only the protection of severe and early diseases.
In terms of compensation for serious illness, it is paid according to the insured amount 100%, and additional compensation is provided for serious illness (if diagnosed before the age of 60, it can pay 60% of the insured amount), moderate illness 60%, mild illness 30%, pre-illness 15%, and death protection 18.
Through the comparison between products, which one is more powerful and friendly, I believe everyone already knows very well.
2. Mild and moderate diseases have invisible groups.
In addition, the contract content of this sunshine true self critical illness insurance is actually invisible in the protection of mild and moderate diseases, as can be seen from the figure:
Invisible grouping, that is to say, in the actual payment process, some diseases can only choose one of three or two!
This also raises the threshold for claims in disguise, which is simply too inconsiderate for the insured.
Third, the summary of the senior sister
To sum up, Sunshine Insurance Company itself is relatively strong and reliable. However, the reliability of the company does not mean that the products are equally reliable. When choosing insurance, you still need to base yourself on the specific terms of the product, not on the blind choice of the company.
For example, Sunshine True Self Insurance includes the term critical illness insurance mentioned above. Although the guarantee period and optional liability are relatively large, after careful study, we can see that it is poor in compensation and has some defects such as invisible grouping. Whether to buy or not, the key is to fully understand your own needs, and don't rush to start.
Because there are so many excellent critical illness insurance products on the market, I recommend several better critical illness insurance for you:
"Top Ten Hot Critical Illness Insurance Inventory Worth Buying! 》
I hope this analysis of senior sister today can answer some questions for you.
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
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