Senior, let's talk about AIA and mediator. Which of the two companies is better?
First, the background of AIA is revealed!
AIA Group was established in 19 19. It is a life insurance group successfully listed on the Hong Kong Stock Exchange, covering China Mainland, China SAR, Thailand, Singapore, Malaysia and other 18 Asia-Pacific markets.
1992, AIA set up a branch in Shanghai, which was one of the earliest non-local insurance institutions allowed to operate personal life insurance business after the reform and opening up, and was also the first insurance company in China to introduce the insurance salesman system.
According to the situation of 65438+February 3 1 in 2020, the assets of the group add up to 326 billion US dollars.
The list of the world's top 500 companies in 20021has been published, and AIA is on the list again. Looking at the ranking, we can know that AIA ranked 2 13 with an operating income of US$ 50.359 billion, ranking 37 places higher than the previous year.
Knowing the information in official website Annual Report, it is well known that AIA's core solvency adequacy ratio in the third quarter of 2022 was 228.0 1%, its comprehensive solvency adequacy ratio reached 379.76%, and its latest risk rating was AA. It has exceeded many standards set by the CBRC, and it is not difficult to see that the strength is excellent.
Besides the basic strength, what ability can you see from AIA? Read this article specifically to understand:
How about AIA? Is its product worth buying? 》
Second, China insurance company background!
China Insurance is an alias of China United Insurance Group Co., Ltd., which was formally established on July 1986. Formerly known as Xinjiang Production and Construction Corps Agriculture and Animal Husbandry Production Insurance Company, it is the second state-owned holding insurance company in China after the founding of New China. It was formally established on June 5, 2006. By the end of 200211February, the registered capital of China Insurance had reached 153 1 billion yuan, with assets of 90.493 billion yuan.
On June 20 19, the 16th World Brand Conference hosted by China Insurance in the World Brand Lab was directly rated as "20 19 China 500 Most Valuable Brands". From 2006 to today, China Insurance 13 won this honor.
In the first half of 2022, the core solvency adequacy ratio of China insurance companies reached 133.54%, and the comprehensive solvency adequacy ratio reached 165.26%. Except for the latest risk rating, the other two items meet the requirements of the CBRC, so the strength of this company is also very good!
For more analysis of this insurance company, interested people can read this article:
"Is China Insurance reliable? You will know after reading it! 》
3. AIA pk China Insurance Company, which is more reliable?
1. Company background comparison
AIA Group Shanghai Branch was established in 1992, distributed in 18 markets in the Asia-Pacific region, with total assets exceeding US$ 326 billion.
China Insurance Company was established in 2006 with a registered capital of 654.38+053.438+0 billion and total assets of 90.493 billion.
For the time and scale of its establishment, it is obvious that AIA's strength is better.
2. Solvency comparison
The core solvency adequacy ratio of state insurance companies in 20021year has been achieved through continuous accumulation, and the comprehensive solvency adequacy ratio is as high as 438%, and the risk rating has been awarded a level.
In 20021year, the core solvency adequacy ratio of China insurance company reached 183.20%, and the comprehensive solvency adequacy ratio reached 207.58%. The recent risk assessment level is Grade B. ..
Through the regulations of the CBRC, we can know whether a company's solvency is up to standard, so it must meet these three requirements at the same time:
The core solvency adequacy ratio is not less than 50%;
The comprehensive solvency adequacy ratio is not less than100%;
The comprehensive risk level shall not be lower than Grade B. ..
At first glance, we know that both insurance companies can meet this standard, and AIA's solvency far exceeds the regulatory standards and is more reliable than PICC.
3. Comparison of superior insurance types
AIA mainly covers personal insurance and property insurance. At present, universal insurance, worry-free 202 1 high-end medical insurance and critical illness insurance are popular.
China insurance company mainly covers health insurance and life insurance. At present, China Insurance has invested a lot of money in health insurance, such as China Hui Zhen Select Million Medical Care, China Niuda Accident Insurance, China Children's Clinic Warm Insurance Value-added Edition, China United Fortune E Middle-aged and Old-aged Medical Insurance, etc.
So which of the best-selling products of these insurance companies have purchase value? Specifically, it should also be analyzed from the aspects of product guarantee content and guarantee period.
How to judge whether a product is good or not? Senior, take the medical insurance for middle-aged and elderly students of Zhonglian Fortune E as an example, and give you an analysis:
The medical insurance coverage of "China United" Fuxiang E-Sheng has been greatly improved! Look here if you want to buy it! 》
Generally speaking, AIA is much stronger than China Insurance. If you want to choose insurance, you should not only understand the strength of the insurance company, but also look at the quality of the products and choose the products that suit you.
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
If the above content has not solved your problem, you can also come to the official account of WeChat to learn to bully and say that insurance consulting me;
I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
WeChat official account: Xueba said that insurance costs less, buy the right insurance!