Senior, let's talk about the difference between China Ping An Insurance Company and AIA, and see which insurance company is stronger. Compare which company's products are more cost-effective?
Before the popularization of science, if some friends are in a hurry and can't understand the full text, you can read this introduction article written by your senior sister first to ensure that the dry goods are full:
"What should we pay attention to when we pay attention to insurance companies? 》
1. Who is more reliable, AIA or China Ping An?
1. Company background
AIA Group, a life insurance provider, is an independent listed life insurance group with branches in many markets in the Asia-Pacific region, and its headquarters is in Hongkong, China.
It has entered the list of Kado BrandZ's most valuable global brands.
Let's take a look at the peace in China. China Ping An is the first joint-stock insurance company in China, which was established in 1988. As the first joint-stock insurance company in China, its total assets exceed 7 14 trillion yuan. Selected as one of the top 500 Chinese enterprises in 2020, ranking sixth.
Once entered the Forbes Global Enterprise 2000.
2. Solvency
China Banking Regulatory Commission stipulates that the solvency of insurance companies is ≥50% for core solvency, ≥ 100% for comprehensive solvency and ≥ B for comprehensive risk rating.
As long as these three points meet the standards, it can be called a company with solvency standards.
1, AIA Life (comprehensive risk rating of last quarter: AA)
2. China Ping An Life Insurance Company of China Insurance Company (comprehensive risk rating of last quarter: BB)
According to the latest data, AIA and China Ping An have reached the passing line stipulated by the CBRC, and they are both very reliable insurance companies.
However, compared with AIA, China Ping An's solvency data is lower and the data will be more satisfactory.
Senior analysis shows that if you are willing to buy this AIA, the following article is very suitable for you:
Is it bad to say that friends are friends online? Is it true?/You don't say. /You don't say. 》
Second, AIA and China Ping An's critical illness insurance products were announced!
Senior sister chose AIA and China Ping An, two critical illness insurance products, namely, this "Excellent Ruyi Shunyi Edition" and "Ping An Fu Full Score 202 1".
Then the next step, the senior will not say hello. Let's take a look at the picture below:
After a brief understanding of the product comparison chart, Senior Sister takes your friends for an in-depth analysis.
1. Insurance conditions
The highest age of insurance should not exceed 55 years old, and it is the normal state of the critical illness insurance market to stop insurance at the age of 60 or 65.
In the scheme that more elderly people are not allowed to participate in the insurance of these two products, combined with the above information, we find that the perfect score of Youruyi Ping Anfu is 202 1, which is not conducive to the insurance of the elderly.
Next, let's take a look at the issue that everyone cares most-the payment period. You Ruyi Shunxin Edition and Ping An Fu full score of 202 1 can pay the premium for up to 30 years, which is really sweet for small partners with insufficient budget.
The reason is that the realization of 30-year payment will give full play to leverage, and at the same time reduce the payment pressure of the insured, and it is easier to trigger the exemption clause.
And the long payment period is also good for us. This is because one-time payment takes up a lot of money, during which we will not be able to seize some investment opportunities that require a lot of money.
2. Basic guarantee
The basic protection of critical illness insurance in the excellent ruyi Shunxin version is very comprehensive, with everything from light, medium and heavy. But its disadvantage is that the compensation is average.
Even if there are three kinds of protection schemes for the critical illness insurance of the friends' wishful version, scheme C is the best, because its payout ratio is the highest, while schemes A and B have low payout ratio, which is invalid.
At the same time, the perfect score of Ping An Fu 202 1 is not very good, and its chronic disease compensation ratio is only 50%, which is really slightly inferior to those critical illness insurance that can reach 60% in the market.
Moreover, the proportion of compensation for minor diseases is relatively low. At present, the average level of compensation for minor illness in the market is 30%, while the perfect score of Ping An Fu is only 20%.
Third, senior sister suggested.
In short, if we compare the solvency data levels of these two insurances (AIA and China Ping An), AIA is higher, but if we take products as an example, AIA Happiness Edition and Ping An Fu's full score of 202 1 is not my first choice.
Because there are many excellent critical illness insurance in the market, do you want to know what they are? Be patient, the answer will be revealed below:
"Top Ten Hot Critical Illness Insurance Inventory Worth Buying! 》
Write it at the end
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