Today, Senior Sister will evaluate Taiping Life Insurance Company and discuss whether its popular Fulu Xinxi critical illness insurance is worthy of your attention.
Insurance companies must make more inspections, but reputation is not one of the criteria for inspection. When we look at insurance companies, we should pay more attention to these details:
"What should we pay attention to when we pay attention to insurance companies? 》
1. Is Taiping Life Reliable?
Next, Senior Sister will introduce Taiping Life Insurance to everyone from the background of the company's strength and solvency to see if Taiping Life Insurance is worth choosing.
1, background strength
Taiping Life Insurance 1929 was founded in Shanghai and ranked among the top 500 in the world for three consecutive years. The financial performance of Taiping Life Insurance shows that Zhongrong has been awarded "A+" (strong) financial strength rating by Fitch International for five consecutive years.
At present, Taiping Life Insurance has opened 38 branches and 1200 institutions below the third level, with a cumulative number of customers exceeding 53 million, and the total amount of compensation and survival funds exceeding 654.38+02 billion yuan.
2. Solvency
Solvency is one of the key standards to measure whether an insurance company has solvency, and it is also called the lifeline of an insurance company.
According to the regulations of CBRC, an insurance company can meet the standards if its core solvency adequacy ratio is above 50%, its comprehensive solvency adequacy ratio is above 100%, and its risk rating is above Grade B..
The above is a screenshot of Taiping Life Insurance's 202 1 fourth quarter solvency report. Although the risk rating has not been disclosed, we can also see that the core solvency adequacy ratio and comprehensive solvency adequacy ratio of Taiping Life are above the passing line, which is enough to show that Taiping Life is a very reliable insurance company.
Next, Senior Sister will bring the evaluation of Fulu Xinxi critical illness insurance, a product created by Taiping Life Insurance, and further analyze whether the products of large companies can really be blindly followed.
Anxious friends can also go here to see the key points:
Do you want to buy life-long critical illness insurance for Taiping Life Insurance "Fuluxin Xi"? You will know after reading this article! 》
2. What about the critical illness insurance of Fulu Happy Jubilee?
According to the old rules, let's take a look at the basic forms of Taiping Life's new Xi critical illness insurance:
On the whole, senior sister found that there are many places to pay attention to in Fuluxi of Taiping Life Insurance:
1. Lack of protection against mild and moderate diseases.
The protection of mild and moderate diseases is very important. If early malignant tumor (one of the high-risk diseases of mild disease) is found in early stage, it must be treated in time before it worsens into severe disease to reduce the risk of turning into severe disease.
At present, the basic protection standard of most critical illness insurance is undoubtedly not the combination of serious illness+moderate illness+minor illness, but it is really disappointing that Taiping Life Fu Luxin Xi does not provide protection for minor illness.
2. Lack of additional compensation for serious diseases
Many critical illness insurance products will take the age of 60 as the watershed. Before the age of 60, there are usually extra payments, which can make the family breadwinners more confident to cope with the economic risks brought by serious illness.
However, Fu Luxin Xi of Taiping Life Insurance did not receive any additional compensation, nor did it provide compensation according to specific age groups. Serious illness can only pay 100% of the insured amount, which is really a bit low.
3. Lack of secondary compensation for cancer
This is a serious disease in itself. At present, cancer is a high-incidence disease.
A lot of clinical experience shows that the recurrence rate of cancer patients has reached 60% one year after operation, and at least 80% patients died of recurrence and metastasis within 5 years.
The importance of the second payment for cancer is self-evident, but the protection prepared by Taiping Life Fu Lu Xin Xi for everyone does not include this protection, and there is no way for the insured to have enough confidence to fight cancer for the second time.
How important is the second compensation for cancer? Because of the space, senior sister won't be verbose. Interested friends can go here to check:
Is it necessary to attach "second compensation for cancer"? If you don't understand these points, be careful to spend money for nothing! 》
Generally speaking, Taiping Life Insurance Company is super-strong, but its performance in Fulu Xinxi critical illness insurance is not very good. You can look at other products and make some comparisons ~
Write it at the end
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