Before we start the in-depth analysis, let's talk about how insurance companies choose what standards to use to measure the quality of insurance companies:
"What should we pay attention to when we pay attention to insurance companies? 》
1. Is Sunshine Life Insurance reliable? What is the strength?
Senior, first of all, I want to tell you that there are strict conditions for the establishment of insurance companies. All insurance companies established in China are reliable. Insurance companies operate under the supervision of the China Banking Regulatory Commission, and Sunshine Life Insurance is also included in the list of the China Banking Regulatory Commission.
Although Sunshine Life is supervised by China Banking Regulatory Commission, some friends may worry that it is not strong enough to pay compensation.
The above estimates have aroused everyone's interest, so the senior sister will tell you if this Sunshine Life is really so affordable.
1. shows economic strength
"Sunshine Life Insurance" is the abbreviation of Sunshine Life Insurance Co., Ltd., which was established in 2007 with a registered capital of 65.438+0.834 billion yuan.
After the establishment of Sunshine Life Insurance, 280,000 employees were recruited, which greatly solved the social work pressure, provided insurance protection for more than 4180,000 customers, accumulated social risks * *10 trillion yuan, and paid all kinds of compensation * * more than 202 billion yuan. .
Since its establishment five years ago, the company has been ranked among the top 500 Chinese enterprises. At present, the Group has a number of professional subsidiaries such as property insurance, life insurance, credit guarantee insurance, asset management and medical care.
In a word, Sunshine Life Insurance Company is strong. This is a big company with a lot of financial support!
2. Show solvency
Solvency depends on whether the insurance company's economic strength is strong or not, and whether it can give consumers the compensation they deserve.
To obtain solvency, the following three conditions must be met at the same time:
The core solvency adequacy ratio is above 50%;
The comprehensive solvency adequacy ratio is above 100%;
The comprehensive risk rating is above Grade B..
According to the 20021annual information disclosure report of sunshine life insurance company, its latest comprehensive risk rating is a.
Then the latest solvency data of Sunshine Life Insurance Company is displayed.
Please see the relevant data of solvency of Sunshine Life Insurance Company in 20021quarter as shown below:
The data in the above figure shows that the solvency of Sunshine Life Insurance Company is far up to standard. In this case, there is no need to worry about whether it has the ability to pay the fee.
According to the first two dimensions, there is no doubt that Sunshine Insurance Company is an excellent white insurance company under the background of strength theory. But then again, what we consumers need is products, and whether the products are good or not is what we value most.
Are the products of Sunshine Insurance Company worthy of our trust? Senior, let's keep these opinions now. Let's take a closer look at it!
Second, is the product of Sunshine Life worth buying?
Senior sister takes Sunshine Care Lifelong Critical Illness Insurance, the flagship product of Sunshine Insurance Company, as a case to see how it performs.
If nothing else, let's take a look at the product protection map:
As shown in the above figure, the coverage of Sunshine Care Life-long Critical Illness Insurance is not much.
I won't keep it a secret here, so I need to emphasize several points that need attention in this product.
1. Long waiting period
The waiting period is also called the observation period. If an accident occurs during this period, the insurance company has no obligation to pay compensation.
Therefore, it can be said that the shorter the waiting period, the sooner we can be guaranteed, and it will obviously get better and better.
90 days is the waiting period for most critical illness insurance in the market.
Sunshine cares for life-long critical illness insurance, and the waiting period is nearly twice that of other critical illness insurance. Twice as much as other excellent critical illness insurance.
2. Lack of TCM protection
Since the development of critical illness insurance, "critical illness+moderate illness+mild illness" has always been the basic security configuration.
People have high hopes for the life-long critical illness insurance of sunshine care, which does not even exist for the protection of China's diseases.
If TCM finds and treats quickly, it will not get worse.
Sunshine care life-long critical illness insurance has no such service. This guarantee is not strong!
The maximum insured amount is limited.
The coverage of sunshine care lifelong critical illness insurance is limited.
This insurance, if the child is just born for 30 days to about three weeks, the maximum optional coverage is 300,000;
For example, if you live in Beijing, Shanghai, Guangdong, Jiangsu and Zhejiang, the maximum optional coverage is 500,000;
If the insured is over 40 years old, the maximum insured amount can only be 300 thousand.
Be sure to look at the restrictions of age and permanent residence before insurance, and first find out whether the pre-insurance amount is within the upper limit.
The above is my analysis of sunshine care life-long critical illness insurance. We can also make a more comprehensive evaluation of this product with the help of expert analysis:
Want to know whether "Sunshine Care Life-long Critical Illness Insurance" is worth buying? Look at this is enough! 》
Third, the summary of the senior sister
Generally speaking, although the strength and solvency of Sunshine Insurance Company are very strong, its performance is not so clear in terms of ace products.
There is no medical insurance in China, and the maximum amount is limited, which is not suitable for people who pursue high insurance coverage and comprehensive protection.
Therefore, the strength of an insurance company is not directly related to the quality of its products.
Tell everyone, when buying products, don't blindly chase the background of insurance companies. Whether the product is excellent or not is our most important concern.
It's really easy to find good and cheap products now. Look at other products and compare them.
Senior sister also hopes that everyone can choose a good product, so senior sister has prepared ten cost-effective products here for your reference:
Ten cheap and excellent critical illness insurance inventory! 》
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
If the above content has not solved your problem, you can also come to the official account of WeChat to learn to bully and say that insurance consulting me;
I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
WeChat official account: Xueba said that insurance costs less, buy the right insurance!