Because many people don't know Peking University Founder Life Insurance and don't know much about the strength of this insurance company, Senior Sister will give you a detailed evaluation today to help you better understand and know Peking University Founder Life Insurance.
Before the analysis, the senior will teach you how to distinguish the insurance company. You can collect it:
"What should we pay attention to when we pay attention to insurance companies? 》
1. Is Peking University Founder Life Insurance reliable?
1, introduction of insurance company
You don't know Founder Life, but you must know Peking University. Founder Group is the major shareholder of Peking University Founder Life Insurance, because Peking University Founder Life Insurance was founded by 1986.
Peking University Founder Life Insurance Co., Ltd. was established by Peking University Founder Group Co., Ltd., Meiji An Tian Life Insurance Mutual Association and Haier Group (Qingdao) Financial Holdings Co., Ltd., which was formally established on June 28, 2002 and headquartered in Shanghai.
According to the insurance law, the minimum registered capital of an insurance company is 200 million yuan, and the actual registered capital of Peking University Founder Life Insurance is 2.88 billion yuan, so its strength should not be underestimated.
2. Solvency
Since we consumers want to know whether our insurance policies are guaranteed, we should pay attention to insurance companies. After all, no matter how powerful this insurance company is, it is also a toss-up if it can't afford to pay for an accident.
So how do you see if the insurance company can compensate? Senior sister suggested looking at its solvency.
The China Banking Regulatory Commission stipulates that insurance companies with solvency standards must meet the following three regulatory requirements at the same time: First, the core solvency adequacy ratio is not less than 50%; Second, the comprehensive solvency adequacy ratio is not less than100%; Third, the comprehensive risk rating is at Grade B and above.
As shown in the figure, as of the fourth quarter of 2020, the core solvency adequacy ratio and comprehensive solvency adequacy ratio in the solvency report of Founder Life Insurance of Peking University reached 65,438+063.58%, and the comprehensive risk rating result was Grade A, so it was a solvency standard company.
It seems that Peking University Founder Life Insurance can still afford it!
However, the strength of the company does not mean that the product is good, but depends on how the product is! Senior sister picked out a best-selling critical illness insurance for everyone, 202 1, and gave you an evaluation to see if it is worth buying ~
Second, is the product value of Peking University Founder Life Insurance worth buying?
Let's look at the picture and talk. You can take a look at the product protection schematic diagram of Ai5 102 1 critical illness insurance:
1, insurance age
Aiwuyou 202 1 The insurable age of critical illness insurance is 0 to 60 years old, which is friendly to middle-aged and elderly people. There are still restrictions on the age of insurance in the market, but there are also critical illness insurance for people over 60.
2. There is no self-contained protection of traditional Chinese medicine.
Worry-free love 202 1 critical illness insurance doesn't even have its own Chinese medicine protection, and it has to pay another price. This is a bit pitted ~
Why is excellent critical illness insurance not only excellent in the protection of critical illness, but also needs to protect mild and moderate diseases? It is because treating mild and moderate diseases can effectively reduce the probability of suffering from serious diseases. After all, many major diseases are caused by mild to moderate diseases.
3. The second guarantee for serious illness
Ai5Worry-Free 202 1 Critical illness insurance has a bright spot in optional protection, and a second critical illness protection can be attached, and the payment interval is as short as one year.
Why is there a secondary critical illness protection? First of all, the threshold of critical illness insurance is relatively high, and health notification is relatively strict.
Do you think that you have paid the critical illness insurance once, and the insurance company may buy you the critical illness insurance again? Therefore, if the previously purchased critical illness insurance is guaranteed by the second critical illness insurance, this problem can be solved.
Don't be afraid of friends with minor physical problems. At present, there are some serious illness insurance with relatively loose health advice on the market. Senior sister has compiled these from a professional perspective:
"The latest! The top ten health warnings are loose, and the critical illness insurance is large! 》
Secondly, because the recurrence rate of serious diseases is relatively high, such as malignant tumors, the claim rate is the highest. The data show that the recurrence rate of patients within one year after operation is 60%, and the recurrence rate is relatively high. It is necessary to provide secondary protection for serious illness!
After the upgrade, there is no special change in the critical illness insurance protection of Worry-Free Love 202 1 compared with before. Want to know more about critical illness insurance that should not be missed, Senior Sister has compiled a list of critical illness insurance, just waiting for you to see:
"Top Ten Hot Critical Illness Insurance Inventory Worth Buying! 》
Summary: The strength of Founder Life Insurance Company of Peking University is still good, but this critical illness insurance product is not very good in terms of protection content. When buying insurance, if you don't want to waste money, you should pay more attention to the characteristics of the product itself and don't be obsessed with buying insurance products from big companies.
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
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