If you are worried about whether ICBC AXA is unreliable, you can rest assured that it will deceive people. The reason why all insurance companies are absolutely formal and will not cheat insurance lies in the comprehensive management of the CBRC, so they will definitely settle claims smoothly according to the contract. Moreover, it takes at least 200 million yuan to set up an insurance company (the laws and regulations are clearly written), and a reliable and credible insurance company can afford enough money.
Is ICBC AXA reliable? Look at its strength first.
ICBC AXA was established in July, 2065438+2002, headquartered in Shanghai, with a registered capital of125.05 million yuan, which was jointly established by China Industrial and Commercial Bank, French AXA Group and China Minmetals Corporation. Among them, China Industrial and Commercial Bank holds 60% of the shares. Before, some friends always asked me about the relationship between ICBC AXA and ICBC. Now I know ~
Moreover, according to the data released by the China Banking Regulatory Commission last year, the premium income of ICBC AXA Life Insurance ranked first among foreign life insurance companies in the domestic insurance market.
This is hard power, so will the product pass the test?
ICBC AXA has many products. The best-selling products are Royal Rubik's Cube 5, Royal Life Insurance and Royal Ruyi Critical Illness Insurance. Let's start with this product. This is a critical illness insurance product. I explored this product before when it was sold. Details are listed in this article, the top ten insurance companies "worth buying" hot critical illness insurance inventory!
Due to the limitation of space, I'll just talk about it briefly here. Look at the product guarantee first:
According to the content of the guarantee, the biggest advantage is that the insured amount can be returned when it expires, that is, it is possible to get back hundreds of thousands after decades, which can be said to be excellent compared with the final refund of the premium.
However, there are also shortcomings, such as:
1. Incomplete protection: excluding the protection of traditional Chinese medicine, this form has begun to lag behind.
2. The proportion of compensation is low: only 20% is paid for mild illness, which is low.
3. Long interval: the second payment takes 365 days, both serious and minor, which is too unfriendly.
4. The grouping of diseases is not practical: both serious diseases and mild diseases are grouped, which is not friendly enough, and because high-incidence cancers are not grouped together, the chances of getting compensation are reduced.
We can also consider this product if we pursue the brand protection of big companies, but the comparison with other products is very important, because insurance is closely related to our protection. In order to let everyone buy satisfactory products, I have sorted out all the better critical illness insurance products at present, and by the way, I would like to share with you the top ten critical illness insurance inventory of insurance companies worth buying!