Here, Shen Lanjun mainly compares the top 20 insurance companies in terms of premium. Shen Lanjun counted 20 18? Insurance company premium income? What are the top 20 companies?
As can be seen from the official premium ranking, there are common Ping An and China Life Insurance, as well as uncommon companies such as China Post and Jianxin.
You can't say that a company you haven't heard of is a small company. In the face of insurance products with asymmetric information, we must learn rational analysis and not fall into the misunderstanding of inertial thinking.
2. Evaluation of critical illness insurance of the top 20 insurance companies with 20 19 premium: Shen Lanjun selected 14 representative critical illness insurance from 20 insurance companies by consulting the sales staff of many insurance companies. Let's take a closer look.
1、「? Premium ranking? Top 10 companies
Shen Lanjun selected 8 representative critical illness insurances from the top 10 insurance types, as follows:
China life kangning 20 19
Ping' anfu 2019 Ⅱ
Pacific ocean Jin Nuo youxiang
Huaxia Evergreen Multi-Version 2.0
Taiping Jin sheng kang Rui
Taikang hui healthy
PICC carefree life 20 19
Tianan Health Source 20 19 Enhanced Edition
Not much to say, look at the comparison table first:
Draw a direct conclusion:
If you pursue cost performance: Taiping Jinsheng Kangrui? The price is the lowest, and the guarantee is basically enough. However, if you want to buy this product above 300,000 yuan, you have to take the bancassurance channel.
If we pursue comprehensive protection: Tianan Health Source 20 19 Enhanced Edition? Cancer and cancer in situ can be paid for many times, and the serious illness can be paid an extra 20% in the first 10 year, and the protection will be more adequate.
If you look at the major brands: China Life Kangning 20 19 and the newly upgraded Ping An Fu 20 19 II, they are all big brands that can be considered.
It can be seen that although they are also big companies, the product differences of different companies are quite large, and more and more companies begin to introduce products with higher cost performance.
2. Critical illness insurance of 1 1-20 big companies If you are not satisfied with the products of the top 10 companies, you can also look at the companies ranked11-20, and there are some good products to choose from.
I chose six models to evaluate:
Centennial life Kangduobao
Sunshine I Bao c Kuan
Guohua life insurance Hao medical insurance
ICBC AXA enjoys health.
Hengda wanniankang
Aia quanyou xianghui 20 19
Not much to say, directly above:
Draw a direct conclusion:
If the pursuit of cost-effective: sunshine life? I promise. C? In large companies, the cost performance is very high, and you can also choose to pay to the age of 60, which can minimize the pressure of payment.
If you want comprehensive protection: a hundred years of true love? Including traditional Chinese medicine, and the price is more advantageous, suitable for friends who pursue comprehensive protection.
Third, the cost-effective critical illness insurance is an evaluation of the critical illness insurance of the top 20 large companies in terms of premiums. I believe it can meet the needs of most friends who prefer the products of big companies.
There are still many friends who pay more attention to cost performance than big brands, so what are the critical illness insurance products on the market?
So if you don't care about the so-called big brands, there are still many products to choose from in the market. You only need 3,000 to 4,000 yuan to buy 500,000 high-cost critical illness insurance products.
Critical illness insurance is very important, but it can't solve all problems. A complete insurance scheme should include critical illness insurance, medical insurance, accident insurance and life insurance. These four types of insurance play different roles and are indispensable.