Today, Senior Sister will arrange a comparison between Taikang Life Insurance and ruitai Life Insurance to see which critical illness insurance is worth buying.
1. Taikang Life Insurance pk ruitai Life Insurance, which is more reliable?
Then senior talk about the company's strength background and solvency, and see who is stronger, Taikang Life Insurance or ruitai Life Insurance.
1, strength background
& gt& gt Taikang life insurance co., ltd.
Taikang Life Insurance was founded on 1996. By the end of 20021,Taikang Insurance Group had managed assets exceeding 2.7 trillion yuan and operating income exceeding 260 billion yuan.
Taikang Life Insurance Taikang Insurance Group has been ranked in the Fortune Global 500 list for five consecutive years, ranking 346th.
Taikang Life Insurance, a friend who needs in-depth analysis, read this article:
How about Taikang Life Insurance? Is it trustworthy? Deep analysis "
& gt& gt ruitai life insurance
Ruitai Life Insurance Co., Ltd. was established in June 2004. Is the first joint venture life insurance company headquartered in Beijing, with a registered capital of 65,438+0,875,438+0 billion yuan.
The investors of ruitai Life Insurance are National Energy Group Capital Holdings Limited and South Africa Qiwei Group Qiwei Life Insurance (South Africa) Limited.
About life in ruitai, this article takes you to know it more deeply:
Is ruitai Life Reliable? Pay attention to the product content ... "
2. Solvency
Solvency determines the life and death of an insurance company. To obtain the business qualification, an insurance company must meet the following requirements of China Banking Regulatory Commission:
The core solvency adequacy ratio should be greater than 50%, the comprehensive solvency adequacy ratio should be greater than 100%, and the risk rating should be above Grade B. ..
The latest quarterly solvency data can be used as a reference for comparing Taikang Life Insurance and ruitai Life Insurance:
According to the solvency data report of Taikang Life Insurance Co., Ltd. in the fourth quarter of 2022, its core solvency adequacy ratio is 105.80% and its comprehensive solvency adequacy ratio is 2 1 1.60%. The results of the last two comprehensive risk ratings are as follows: the company's comprehensive risk rating was BB in the second quarter of 2022 and BBB in the third quarter of 2022.
According to the solvency data report of ruitai Life Insurance Company Limited in the fourth quarter of 2022, its core solvency adequacy ratio is 10 1.39%, and its comprehensive solvency adequacy ratio is 135.66%. The results of the last two comprehensive risk ratings are all Grade B. ..
All the indexes of Taikang Life Insurance and ruitai Life Insurance have exceeded the standard line stipulated by CBRC, so you can buy the products of these two insurance companies with confidence and boldness.
Next, let's take a look at the comparison of critical illness insurance between Taikang Life Insurance and ruitai Life Insurance.
2. Which is better, Taikang Life Insurance or ruitai Life Insurance?
Senior, let's talk about two critical illness insurance products sold by Taikang Life Insurance and ruitai Life Insurance. Compare Taixiang Anxin and Lexiang Ankang 202 1 to see which critical illness insurance is more suitable.
Having said that, let's take a look at the horizontal comparison chart of Taixiang Anxin and Lexiang Ankang 202 1:
The comparison between Taixiang Anxin and Lexiang Ankang 202 1 will start from the following aspects.
& gt& gt insurance conditions
Judging from the highest insurable age, 70 years old is the highest insurable age in Taixiang, but Lexiang Ankang 202 1 sets the highest insurable age at 65 years old.
In terms of guarantee period, Thailand enjoys peace of mind and can only choose lifelong guarantee; Lexiang Ankang 202 1 can be guaranteed to be 70 years old or lifelong, and different choices can be made according to the needs of the insured.
As for the maximum payment period, both of them support 30-year payment. For consumers, the premium pressure is not so great, which is commendable.
For the waiting period, Taixiang Anxin agreed that the waiting period is 90 days, and Lexiang Ankang 202 1 is 180 days.
& gt& gt in terms of security content
In terms of basic protection, if compared with Lexiang Ankang 202 1, Taixiang Anxin has no content of Chinese medicine protection.
Moderate diseases refer to diseases with less pathological degree than specific diseases. If it can be treated in time, it can reduce the risk of developing into a serious disease.
Enjoy Ankang 202 1 with all the protection contents of severe, moderate and mild diseases, but Taixiang peace of mind does not protect moderate diseases.
In other aspects, Taixiang Anxin and Lexiang Ankang 202 1 are exempted from liability by the insured. Taixiang Anxin brings additional items such as adult special diseases and children's special diseases insurance benefits to the insured, and enjoys Ankang 202 1 to protect children's specific serious diseases, which is highly targeted.
In addition, Taixiang Anxin covers the protection of premonitions, covering six premonitions, and the compensation ratio is 10%.
In addition, Lexiang Ankang 202 1 can choose two compensations for cancer and two compensations for cardiovascular and cerebrovascular diseases.
& gt& gt In terms of compensation ratio,
For serious illness, the insured can enjoy Ankang 202 1, and can enjoy extra compensation for serious illness, providing an extra 50% of the insured amount. Taixiang Anxin's compensation ratio is 100% of the insured amount.
Lexiang Ankang 202 1 is more secure than Taixiang in minor illness compensation 10%. If the insured amount is 500,000 yuan, we will lose 50,000 yuan more.
Not only is the proportion of compensation outstanding, but there are many highlights in enjoying Ankang 202 1. For details, please see here:
Is it cost-effective to enjoy Ankang 202 1 in ruitai? I will tell you the answer today! 》
Summary: Taixiang Anxin's insurance age limit is relatively high and the waiting period is relatively short. However, it does not provide protection against China's diseases and additional compensation for children's specific serious diseases. And the proportion of minor illness compensation is 20% of the basic insurance amount. However, if you enjoy Ankang 202 1, it will provide additional compensation for serious illness, and it covers the protection of the most serious and minor diseases, and the protection content is very comprehensive. At the same time, the proportion of compensation for mild and moderate diseases can reach 30% of the basic guarantee amount and 60% of the basic guarantee amount. The compensation is great. So you can consider which of the above products to insure according to your own protection needs.
Write it at the end
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