If you are not familiar with insurance companies and don't want to buy insurance, you can look at the following words to avoid pits:
Which kind of insurance is better and how to buy it is more cost-effective, and teach you to avoid these pits of insurance.
The so-called solvency is simply the ability of insurance companies to compensate insurance money.
According to the requirements of relevant state departments, the core solvency adequacy ratio of major insurance companies is not less than 50%, the comprehensive solvency adequacy ratio is not less than 100%, the comprehensive risk rating must be Grade B and above, and the three indicators must meet the standards at the same time, and the solvency is qualified.
Of course, when choosing an insurance company, besides solvency, we should also consider the company's claims service, company reputation, service rating and so on.
Regarding the above indicators, I summarized the specific viewing methods below:
What should we look at when we look at insurance companies?
But in the final analysis, the key for us to buy insurance depends on the cost performance of the products.
Take the common critical illness insurance as an example. The critical illness insurance products of many large companies only have basic critical illness and mild illness protection, but there is no secondary compensation protection or extra compensation protection for moderate illness and high-incidence diseases. The price-performance ratio of this kind of products is very average.
When choosing critical illness insurance, you can give priority to products with comprehensive protection and high compensation ratio, such as PICC I have no worries about 2.0 critical illness insurance and Super Mary 9 critical illness insurance.
If you are interested in the above products, you can take a look at the following detailed evaluation:
I don't care. Can 2.0 critical illness insurance really make people worry? One article reveals the secret ~
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