Anbang insurance company, which had an accident before, was taken over by the China Insurance Regulatory Commission. Everyone Insurance Group has been established to formally take over the business, assets and liabilities of Anbang Insurance Company to effectively protect the legitimate rights and interests of insurance consumers in all directions.
First, is everyone's insurance group reliable?
To judge whether everyone's insurance is reliable, we must first start with Anbang Insurance.
In the past, Anbang Insurance's assets amounted to RMB 2 trillion. Since its establishment more than ten years ago, Anbang has jumped from a small property insurance company with a registered capital of only 500 million to an international group covering banking, insurance and real estate. The scale of assets can even be compared with Ping An.
However, Anbang Group has been taken over by the China Insurance Regulatory Commission for economic crimes committed by its former chairman. Most importantly, the takeover unit is China Insurance Protection Fund Co., Ltd. under the CIRC.
This means that this is the first time that the China Insurance Regulatory Commission has personally taken over. It can be seen that the seriousness of the Anbang Group incident and the great influence of Anbang Group.
It can be seen that it is difficult for insurance companies to have accidents, not to mention the insurance products we buy. And once your insurance contract comes into effect, it has legal effect.
Instead of caring about whether Renren (Anbang) Company is reliable, it is better to pay more attention to whether the products sold by Renren Insurance are reliable and whether there are many pits. See here for details: How to see if insurance companies are reliable? It is good to master these points!
Second, what about the products insured by everyone?
Take everyone's critical illness insurance for example.
If you pursue paying more for serious illness: Le An You 100 The serious illness is divided into 5 groups, 35 kinds of mild illness, exemption and death, and the guarantee is basically enough. With sufficient budget, you prefer everyone's brand. You can consider this kind of critical illness insurance.
If the protection is comprehensive and flexible: the super-benefit protection covers serious diseases, moderate diseases and minor diseases. 100 for severe diseases 100%, 50% for 20 moderate diseases and 30% for 50 mild diseases. Specific illness and death protection can also be attached.
Let's take a look at the characteristics of each product separately:
Evergreen: This product guarantee is basically enough, and it is only paid once. There are not many bright spots and the price is not low.
At the same time, mild illness insurance lacks the high incidence of atypical myocardial congestion and is still not as good as similar products. If the budget is sufficient, dad suggests that you can also choose to guarantee more comprehensive overpayment of critical illness insurance.
E- peace of mind: this model can guarantee 70 years old or life, and also covers minor illness, serious illness, death protection and minor exemption. The premium is a little cheaper than evergreen, but the overall cost performance is average. But if you prefer everyone's brand and are not sensitive to price, this one can be considered.
Lean life: The biggest highlight of this model is multiple payments, 35 kinds of mild diseases, exemptions and deaths, and 100 kinds of serious diseases are divided into 5 groups and 5 payments, which is enough. However, there is no single group of cancers. Because if the cancer is paid, the same group of diseases will be lost.
If you pursue cost performance, you can compare the same type of products on the market, you can buy products with better protection with the same budget, and you can also get high protection with two single and critical illness insurance.
Super Bao Hui: The biggest highlight is that it can be freely matched and the guarantee is flexible. You can choose to add moderate, mild, specific diseases and deaths, or you can choose pure serious illness protection. It is worth noting that the number of payments for this mild and moderate disease is only 1.
If you want to take care of your illness all your life and don't pursue the number of payment, you can choose this.
Third, summary.
Although everyone insurance group is a newly established company, you don't have to worry about this company being unreliable. What dad wants to say is that more important than the insurance company is reliable, the product is unreliable! Maybe you can look here: how to buy insurance? What kind of insurance products should I buy? These routines must be avoided.
Hope to adopt ~
Source: insurance knowledge class