Because of the rise of the insurance industry in recent years, in this case, Sunshine Insurance is gradually known to the public.
If you want to compare the strength of the two insurance companies, who is better? By contrast, whose product is safer?
Cut the crap, senior. I will give you a detailed analysis!
Before the exhibition, you can know that we know what insurance companies should pay attention to:
"What should we pay attention to when we pay attention to insurance companies? 》
1. Xinhua Life pk Sunshine Life, who is stronger?
1. Company strength competition
New china life insurance co Co., Ltd. (hereinafter referred to as Xinhua Life Insurance) was established in September, 1996. It is a large life insurance company headquartered in Beijing.
In 2022, the accumulated original insurance premium income of Xinhua Life Insurance was 65.438+063.099 billion yuan, down 0.23% year-on-year.
Xinhua Life Insurance has established a nationwide sales network with 36,309 back-office employees and 606,000 salesmen, providing comprehensive life insurance products and services to 33.205 million individual customers and 88,000 institutional customers.
Sunshine Life Insurance Co., Ltd., referred to as "Sunshine Life", 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.
Generally speaking, Xinhua Life Insurance and Sunshine Life Insurance are still very strong, but Xinhua Life Insurance is different. It is an old life insurance company in China, with good capital and scale.
2. Solvency competition
Solvency is the concrete embodiment of whether the insurance company can bear the insurance amount agreed in the contract.
If solvency is to meet the standard, these three conditions must be met at the same time:
The core solvency adequacy ratio is above 50%;
The comprehensive solvency adequacy ratio is above 100%;
The comprehensive risk rating is above Grade B..
According to the information report on 202 1 disclosed by the two companies, the risk ratings of Xinhua Life Insurance and Sunshine Life Insurance are both A.
We will analyze the solvency data of the two companies again.
Solvency information of Xinhua Life Insurance in the third quarter of 2022: core solvency adequacy ratio 14 1.68%, comprehensive solvency adequacy ratio of 240.74%, and comprehensive risk rating of AA in the second quarter of 2022.
Solvency information of Sunshine Life in the third quarter of 2022: the core solvency adequacy ratio is 1 14.33%, the comprehensive solvency adequacy ratio is 170. 16%, and the comprehensive risk rating in the second quarter of 2022 is AAA.
The above picture tells us that the solvency of Sunshine Life is not as high as that of Xinhua Life.
However, the passing level of the two is still far beyond, so don't worry about the problem of not being able to pay.
When comparing Xinhua Life Insurance and Sunshine Life Insurance here, the evaluation criteria adopted by senior students are universal and the space is limited. I want to know more about the comparison between the two companies. You can see what the experts say:
"Xinhua PK Sunshine Life Insurance, a rising star to overtake the insurance industry" big brother "? ! ! 》
After two rounds of competition, sunshine life is really not as good as others. Is Xinhua Life Insurance really so much better than Sunshine Life Insurance?
Don't rush to decide the result!
After all, buying insurance, the product is the center of gravity, and the strength of the company is not necessarily related to the quality of the product.
2. Who is the ultimate winner in the competition between Xinhua Life Insurance and Sunshine Ace products?
The ace of critical illness insurance of the two companies was chosen by senior sister-Health C6 of Xinhua Life Insurance and Kangruibei pro of Sunshine Life Insurance for comparative analysis.
Please refer to the safety comparison chart:
Then senior students will analyze the insurance rules and protection contents of these two critical illness insurance products in detail.
1. Insurance rules big pk
Health and worry-free C6 and Kangruibei to pro are life-long critical illness insurance.
From the range of insurance age, we can know that the upper limit of the former is 60 years old and the upper limit of the latter is 65 years old. In contrast, it has a wider insurance coverage and is more friendly to the elderly than Kangruibei to pro.
However, when it comes to the payment period, the longest payment period from Healthy Worry-Free C6 to pro is 30 years and 20 years respectively. Senior sister and everyone have always stressed that the purchase of critical illness insurance should consider the payment period, and it is best to choose a long payment period. In the case of the same amount of insurance, according to the inverse relationship, the more payment periods are set, the less payment is made in each period, and the payment pressure after sharing is not so great. Therefore, the payment period arranged by C6 medical insurance is definitely more affordable for customers.
Even if both of them are tied, the waiting period is the same. 180 days. Comparing 180 days with the best 90 days, it takes twice as long to take risks, completely ignoring customer needs.
2. The content of the guarantee dispute
In terms of the protection clauses for mild, moderate and severe diseases, the compensation ratio of Health Care C6 is max (insured amount, premium and current price), 50% insured amount, 20%/25%/30% insured amount respectively, while Kangruibei to pro pay 200% insured amount, 100% insured amount and 60% insured amount respectively before the age of 66.
In addition, in terms of other protection, Cumberry to pro is really rare, including the exemption of the insured and the protection of death, such as the secondary compensation for high incidence and serious illness, and the exemption of the insured. I must say, it's careless.
Therefore, it is not recommended to buy these two kinds of critical illness insurance with fewer highlights, and more importantly, it is low in cost performance.
I believe everyone definitely wants to buy cost-effective critical illness insurance, so let's take a look at the inventory arrangement of senior sister!
Ten cheap and excellent critical illness insurance inventory! 》
Third, summary.
In short, although Xinhua Life Insurance and Sunshine Life Insurance are second to none in terms of company size and solvency, the top products of these two companies are not so good at all.
Therefore, when buying insurance, don't always consider only the insurance company. Because it cannot be inferred from the strength of insurance companies that their products are also of high quality,
Customers judge whether insurance products are good enough for people to buy. In the final analysis, it depends on whether the products provided are good or not.
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
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I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
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