Before the article begins, if you don't know how to judge an insurance company, I suggest you read this article first:
"What should we pay attention to when we pay attention to insurance companies? 》
1. How about Taiping Insurance Company?
Taiping Insurance is actually an abbreviated version of China Taiping Insurance Group Co., Ltd. Is this company good?
We can understand it from the following two angles:
1, company strength
Taiping Insurance was established in 192 1. It is the first multinational financial insurance group company in China and a national insurance brand with a long history in China.
Taiping Insurance Group has Taiping Property Insurance Co., Ltd., Taiping Life Insurance Co., Ltd. and Taiping Endowment Insurance Co., Ltd..
The total assets of Taiping Insurance Group are 460 billion yuan, and the operating income in 2020 is as high as 2 153 billion yuan. In recent years, it has been ranked among the top 500 enterprises in the world.
From the above, we can know that Taiping Insurance Company is not a newly established company, but a standard big company and brand. The company has a lot of money.
Some friends may want to know how Taiping Company compares with other big companies. Senior students take Taiping Life Insurance and China Ping An Life Insurance Company of China as examples. Interested parties can have a look:
"China Ping An Life Insurance Company of China pk Taiping Life which is worse? The comparison result is unexpected ... "
2. Solvency
It is undoubtedly a good thing that the company is strong, but buying insurance mainly depends on the company's solvency.
Solvency can be used to measure the ability of insurance companies to repay debts.
First of all, solvency is mainly an indicator to measure whether an insurance company can bear losses. The stronger the solvency, the less risk the company has.
According to the regulations of CBRC, the core solvency of insurance companies is not less than 50%, the comprehensive solvency adequacy ratio is not less than 100%, and the risk rating is above Grade B..
Next, let's look at the solvency of Pacific Insurance Company:
Observing the pictures, we can know that Ping An Insurance Company has a good solvency in 2020, far higher than the minimum requirements of the CBRC, and its comprehensive strength is very eye-catching.
However, buying insurance is the purpose of buying insurance. What deserves our attention is the product itself, not just the reputation of the company or other aspects!
In fact, you can also look at the products of Taiping Insurance, so you can know fairly well.
Second, is the product value of Taiping Insurance Company worth buying?
Therefore, Senior Sister selected an accident insurance named "Peace and Worry-Free" from Taiping Pension Insurance Company under Taiping Group. The popularity of this product is still relatively high. Let's discuss whether it's really worry-free!
Let's take a look at the product protection map first:
It's easy to understand that the responsibility of product protection is still relatively good, and there is nothing else that makes people feel distressed. However, after deep understanding, Senior Sister found the following shortcomings:
1, the coverage is too low.
The maximum insurance coverage for peace and security is only 6,543,800 yuan, so this version can only be selected.
In other words, even if the accident leads to death/total disability, the maximum compensation amount is 654.38+ 10,000. Boy, I call myself an expert, and it is impossible to pay 65438+ 10,000 at most.
But if you don't know how much coverage to choose, I suggest you look at the expert's answer:
How much insurance is appropriate? Talk about the doorway inside.
2. The proportion of accidental medical reimbursement is low.
The maximum insured amount for accidental medical treatment is 50,000, which can only be said to be acceptable.
However, if you want to reimburse, you must first look at whether it is within the scope of social security. If it is lower than 150 yuan, you can't apply for reimbursement, and only 80% can be reimbursed after social security reimbursement, and only 64% can be reimbursed without social security reimbursement.
This is a bit unbearable for senior students. Everyone should understand that many accident insurance in the market will be reimbursed by social security, and the rest of the expenses are guaranteed by accident insurance and can be fully reimbursed.
The insurance premium is too expensive.
In the same level of insurance, the premium of Taiping worry-free insurance is much higher!
The insurance coverage of this product is only 65,438+10,000, which is no different from other insurances. The annual premium is actually 158 yuan.
Compared with other accident insurance, the same premium may cover 500,000 yuan.
Therefore, the cost performance of this product is a bit low.
However, just because the cost performance of this product needs to be improved, it cannot be said that the products of Taiping Insurance Company are not good. Senior just randomly selects the characteristics of a product to illustrate. No product needs to be analyzed according to the actual situation. Can you directly and blindly deny it?
Generally speaking, Taiping Insurance Company has strong financial strength and solvency, but not all their products are great.
Senior sister reminds everyone here: the strength of insurance companies is of course beneficial to policyholders, but we buy insurance for protection, so we must first observe whether this product is good or not, and we must not only choose big companies, but also pay no attention to primary and secondary ~
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!