Minsheng Life Insurance was established in 2003 with a registered capital of 6 billion yuan. The company has two headquarters in Beijing and Shanghai, covering life insurance, health insurance and accident insurance.
1. What is the strength of Minsheng Life?
By the end of February 20 18, 18, Minsheng Insurance Company had 25 branches and nearly 800 service outlets in China. Minsheng Life Insurance's premium income in the first half of 20 19 reached 6.833 billion yuan, ranking 36th.
Although these figures are far less than those of first-line insurance companies such as China Life Insurance and Ping An Insurance, it can still be seen that people's livelihood insurance is quite popular with consumers.
Second, the solvency of people's livelihood insurance
Solvency is the basic index to measure the financial situation of insurance companies, which represents the ability of insurance companies to repay debts. The higher the solvency, the less likely the insurance company will go bankrupt.
It can be seen that the comprehensive solvency of Minsheng Insurance is 26.8%, and its comprehensive risk rating is Grade A, far exceeding the passing line set by China Banking and Insurance Regulatory Commission, and it has performed well. So, besides Minsheng Life Insurance, which insurance companies meet the solvency standards? May I read this article about China Life? Do you have any insurance recommendations?
3. What about Minsheng Life's products?
Minsheng Insurance mainly deals in life insurance, critical illness insurance, medical insurance, accident insurance and other personal insurance businesses. I have filtered all the popular products in the list:
What about its products?
Take two kinds of critical illness insurance currently on sale to evaluate it. Without further ado, let's take a look at the product content first:
Ruyi Xinkang: Both mild and severe cases can be paid multiple times, of which severe cases can be paid twice and mild cases can be paid three times. The serious diseases and mild diseases are divided into three groups, and the serious diseases such as cancer are one group, which reduces the probability of claims, lacks some high-incidence and mild diseases, is not comprehensive enough, and has low cost performance.
Ruyi Kang Jun: Single compensation for serious illness includes extra compensation for children's specific diseases, but the protection for mild illness is not perfect, and there is no common protection for middle illness. This product is also expensive and cost-effective.
These two major critical illness insurance are not so good. There are other products with higher cost performance and more comprehensive protection on the market. You can have a look at the hot critical illness insurance inventory of the top ten insurance companies I have compiled.