In this case, which insurance company's critical illness insurance can stand out? Then I will explain it to you by comparing and evaluating each product! All attracted friends, let's take a look!
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1. China Ping An VS AIA, which insurance company is stronger?
Before evaluating the products, let me briefly introduce these two insurance companies.
1, insurance company comparison
China Ping An Life Insurance Company of China Insurance Company was established in 2002 and is an important member of China Ping An Insurance (Group) Co., Ltd. ..
By the end of 2020, China Ping An Life Insurance Company of China Insurance Company has a registered capital of 33.8 billion yuan, and has 42 branches (including 7 telemarketing centers) and more than 3,300 business outlets in China.
There are more than 1 10,000 life insurance agents, and the service network is all over the country, providing customers with life insurance products and services throughout the life cycle.
Friends who are interested in China Ping An Life Insurance Company of China Insurance Company can look at this detailed analysis:
How about China Ping An Life Insurance Company of China Insurance Company? In-depth analysis! 》
Headquartered in Hongkong, China, AIA has a registered capital of 3.84 billion yuan, covering 0/8 markets in Pan-Asia Pacific, and is a wholly foreign-owned enterprise.
2065438+July 2009, ranked 388th in Fortune Global 500.
In March 2020, it was selected as the 95th among the top 500 global brand values in 2020.
So don't question the financial strength of these two insurance companies, they are really great!
2. Solvency comparison
Solvency is the standard to test the ability of insurance companies to pay insurance benefits.
Regarding the solvency of insurance companies, the CBRC requires that it be made public every quarter, and the standards set are also very strict:
The core solvency adequacy ratio is above 50%; ② The comprehensive solvency adequacy ratio is above 100%; ③ The comprehensive risk rating is Grade B or above.
The measure of admiration ability is to meet the above three conditions.
Let's look at the solvency information of China, Ping An Life Insurance Company of China and AIA:
China has reached the standard of CBRC safely, and so has AIA. With the ability of insurance payment, it is worthy of consumers' trust.
The performance of AIA and Ping An of China are amazing, so what about its critical illness insurance products?
Is it suitable for buying? I'll introduce you right away!
2. China Ping An VS AIA, which is better for critical illness insurance?
1, insurance rules
In terms of relevant insurance rules, the two are basically the same. It is not very friendly for the elderly if only people under 55 are allowed to take out insurance.
For us, it can only be a lifelong guarantee. We can't choose that kind of guarantee period, and the flexibility of guarantee period is low.
At present, there are generally two waiting periods for critical illness insurance: only 90 days or 180 days. If the insured is in danger during the waiting period, the insurance company will not pay for this dangerous situation. Therefore, for the insured, the shorter the waiting period, the better, so 90 days will be better.
Assuming that there is no difference in the amount of insurance, the longer the payment period, the less the annual premium will be paid, which will undoubtedly reduce the economic pressure brought by the insured.
At present, the payment period of most critical illness insurance on the market is 20 years, which is the longest. In contrast, 30 years will be better for the insured.
Therefore, in terms of waiting period and payment period, Ping An Fu 2 1 and You Ru Yi Shun Xin Edition are more consumer-friendly.
In addition, this version of Friends Ruyi Shunxin has three schemes according to the proportion of claims for moderate and mild diseases, which is more flexible than Ping An Fu 2 1.
2. Basic security.
For mild and moderate diseases, Ping An Fu 2 1 and You Ru Yi Shun Xin Edition both have shortcomings.
Critical illness insurance is 30% for mild illness and 60% for moderate illness.
But Ping An Fu 2 1 failed to meet the passing standard! Only plan C has reached the wishful version of friends.
Now there are more cost-effective products, and additional compensation can be provided for mild and moderate diseases. As a result, the happy version of the friends has no advantage!
3. Other safeguards.
The increase of sports insurance premium has related guarantees:
Ping An Fu 2 1: the accumulated exercise within two years of insurance reaches 18 months, and it reaches 10000 steps 25 days a month. Starting from the third year, the insured amount will increase accordingly, with a maximum increase of 50,000.
Friends are happy: in the first ten years of the insurance policy, the basic insurance coverage of sports reaching the standard will be increased by 2% every month, with a cumulative maximum increase of 50%.
To tell the truth, senior sister thinks the starting point is good, and encourages everyone to actively exercise and enhance their resistance.
But many people work very hard, often work overtime, and can't do anything about sports!
4. cost performance.
According to this protection map, it can be seen that 30-year-old men and women have insured Ping An Fu 2 1 and You Ru Yi Shun Xin Edition, with a coverage of 300,000 yuan, and choose to pay for 30 years, with an annual premium of tens of thousands of yuan!
To sum up, the cost performance of this kind of products is really flattering. Compared with similar coverage and strength, there are many other excellent critical illness insurance, which costs only five or six thousand yuan a year. However, the extra money can be used to buy other types of insurance, which is better!
Third, the summary of the senior sister
To sum up, although the performance of two insurance companies, China Ping An Life Insurance Company of China and AIA, is very bright, their critical illness insurance products can't catch up with those excellent critical illness insurance on the market, which needs to be improved.
Through this analysis, we can easily find that when allocating products, we should pay attention to the protection of products, not insurance companies.
If you want to buy critical illness insurance for yourself in the near future, you may wish to refer to this list of critical illness insurance, in which the protection of critical illness insurance is not only thorough, but also really worthwhile:
"Top Ten Hot Critical Illness Insurance Inventory Worth Buying! 》
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
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