How can CITIC Prudential be a liar? Not reliable, but not credible. Don't worry, it will deceive people. The whole process supervision and management of CBRC is the reason why insurance companies are absolutely formal, reasonable, reliable and will not cheat, and will definitely settle claims smoothly according to the contract. Moreover, the establishment of an insurance company needs at least 200 million yuan (laws and regulations are clearly written). If the insurance company can afford so much money, are you still afraid of being unreliable? Let me give you a brief introduction of this company.
First of all, let's take a look at the basic information of Prudential Life Insurance: Prudential Life Insurance is the name before Prudential Life Insurance. China CITIC Group and Prudential Group of the United Kingdom jointly established this insurance company with a registered capital of 2.36 billion yuan. Secondly, in terms of strength, CITIC Prudential's solvency far exceeds the prescribed proportion, reaching 289.75%, and in terms of claim settlement ability, CITIC Prudential's claim settlement rate is as high as 99%.
On the whole, prudential life insurance company is quite good.
Just look at the company and look at the products carefully. Enjoy Wellcome 2020, healthy profit, etc. , are the best-selling products launched by prudential life insurance.
Among many products of Xincheng Life Insurance, this exclusive Wellcome 2020 is a gust of wind that set off the critical illness insurance market. Let me analyze this product for you. Then, if you are interested in other products, I also sorted them out. You can take a look at the top ten insurance companies' "worth buying" hot critical illness insurance inventory!
As you can see, the biggest advantages of this product are:
Special disease protection: it is beneficial to the protection of diabetic patients. In addition to the basic protection for serious illness and mild illness, there are additional compensation for major organ or hematopoietic stem cell transplantation and diabetic complications, as well as long-term care for the elderly.
Disadvantages are:
1. The price of the product is expensive: comprehensive coverage is really a good thing, but compared with the critical illness insurance which also provides comprehensive coverage in the market, the price is too high. In the final analysis, it is not a critical illness insurance product with good cost performance.
2. Lack of responsibility for China's disease: At present, many products have three kinds of protection contents: light, medium and heavy, but unfortunately, Wellcome 2020 has no protection for China's disease.
3. The proportion of down payment for mild illness is low: the down payment for mild illness is only 20%. Compared with other critical illness insurance products, the seven payments of this product are not so two points.
4. Need to increase the minor exemption function of the insured: To enjoy the insured exemption in Wellcome 2020, you need to pay extra premium, but there are many protection contents with the insured exemption in the market now, so the insured is no longer required to pay.
Assuming that there is a demand for diabetes and the budget is sufficient, you can consider this one;
But if you don't have this demand and the budget is average, you can read an article I wrote: