Health notification is an important basis for insurance companies to decide whether to underwrite and claim compensation, so we must tell them truthfully, otherwise it may cause hidden dangers to subsequent claims, and even be rejected by insurance companies.
First, AIA-a century-old enterprise
As early as 19 19, AIA came to China to seek development, and officially entered China in 1992. At present, AIA is headquartered in Hongkong, China, and set up a branch in Shanghai in the same year. In terms of time, it can be regarded as a century-old enterprise.
Second, AIA-the only wholly foreign-owned insurance company.
Since AIA was established very early, it successfully circumvented the restriction that the proportion of foreign capital should not exceed 50% of the company's total share capital, and became the only wholly foreign-owned insurance company in China.
Three. AIA announced its solvency in the first quarter of 2020.
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.
The newly announced core solvency in 2020 is as high as 464.37%, which shows that the company has abundant funds and does not have to worry about bankruptcy.
What about those insurance companies with high solvency? You can look at this list: "Solvency Ranking | Which insurance company can best" compensate "in 2020? 》
4. Are AIA products worth buying?
AIA is mainly engaged in life insurance, including life insurance (life insurance), health insurance (critical illness insurance, medical insurance), accident insurance (accident insurance) and wealth management insurance (annuity insurance). The following table lists these functions:
The value of AIA is not worth buying and cannot be generalized. It depends on the specific product. I choose a product to introduce briefly, and take the critical illness insurance "Quanyou Xianghui 20 19" promoted by AIA as the evaluation object:
Advantages:
1. The guarantee is basically sufficient: high incidence, serious illness and mild illness are all guaranteed, including death and total disability;
2. Additional protection can be flexibly matched: you can choose additional multiple compensation for serious illness, multiple compensation for cancer and accidental injury protection.
Insufficient:
1. Mild diseases guarantee invisible groups, such as brain diseases. Only one of the four items is paid, and the proportion of the first two items is only 20%.
2. The cost performance is not high, and the premium burden is heavy, which is not suitable for working families to buy.
Generally speaking, AIA's background is still very strong, but there is still a big gap with domestic first-line brands, such as Ping An and China Life Insurance. If you want to buy insurance, you should pay more attention to the product itself. It is recommended to compare other popular products: "Top Ten Hot Critical Illness Insurance Inventory Worth Buying! 》
Hope to adopt!
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Source: Xueba said that insurance official website