Because many people don't know much about Fude Life Insurance, and they don't know much about the strength of this insurance company, my senior sister will give you a detailed evaluation today to help you better understand Fude Life Insurance.
To judge whether an insurance company is good or not, in addition to strength and ranking, it is mainly judged by these aspects:
"What should we pay attention to when we pay attention to insurance companies? 》
First, Fude Life ranking
1, company strength.
We can know that Fude Life Insurance Co., Ltd. is a national professional life insurance company, which was established on March 4, 2002 and headquartered in Shenzhen. Shenzhen Fude Financial Investment Holding Co., Ltd., Shenzhen National Investment Development Co., Ltd. and other well-funded enterprises are the main holding companies. The company now has a registered capital of1175.2 billion yuan and total assets of over 470 billion yuan, ranking among the life insurance companies with strong capital strength in China.
Its life insurance business has spread all over 35 provinces and cities. As of1October 23rd, 65438, Fude Life Insurance Company has 35 branches and 1000 branch service outlets.
Fude Life Life also won many honors, such as Top 500 Asian Enterprises, Shenzhen Financial Innovation Excellence Award, China Insurance Enterprise Competitiveness Ranking 10, Consumer Rights Protection -3. 15 Satisfied Unit, Insurance Customer Service Pioneer Award and so on. It can be seen that Fude Life Insurance Company is not famous, but it is strong.
2. Solvency
An important reference factor for many consumers to choose insurance companies is their solvency, because it can reflect the financial stability of insurance companies. According to the regulations of CBRC, these insurance companies can only meet the standards: core solvency adequacy ratio >: 50%, comprehensive solvency adequacy ratio > 100%.
The solvency of Fude Life Insurance in the fourth quarter of 2020 is as follows:
The two solvency adequacy ratios of Fude Life Insurance Company are above the standards set by the CBRC, so we can relax without worrying about repaying debts.
3. Clearing compensation
Fude Sino-Life has achieved good results in claims, ranking among the best in the 20 19 comparison table of claims limitation of insurance companies:
In 2020, it won the award of "2020 Excellent Claims Service Insurance Company". Fude Life has made great efforts in claims settlement. For the customer's consideration, the most important thing to buy insurance is to be able to make claims in distress, and it is best for the compensation to arrive in time.
Claims situation is also an important reference factor for our consumers to measure an insurance company. We will not consider products with poor claims service attitude.
4. Service level
There is also a rating standard for service ability. The CBRC stipulates that companies with a service rating above Grade B are qualified, and most companies in the market have exceeded it. According to the survey, the service level of Fude Life Insurance 20 19 is B, and it has just passed. Consumers' reaction is the most intuitive, reflecting the service quality of insurance companies. The more consumer complaints, the more insurance companies need to reflect on themselves in their services.
Second, Fude Life Insurance Products
Here comes the key part. The content of insurance product protection is most relevant to the interests of our policyholders or the insured. The reliability of an insurance company does not mean that insurance is appropriate. Fude Life just bought a new critical illness insurance called Kangyou Life. Let's take a look at the content of this product protection. First, present the product form diagram:
1, insurance rules
The age of the insured can range from 0 to 60. Compared with other critical illness insurance, the maximum insurable age is 50 or 55. Kangyou can accept more people than other products.
The guarantee period is only life-long, with some limitations, which cannot meet the guarantee time needs of different groups of people:
The waiting period is 90 days, which is very useful for the insurer and can guarantee in advance:
There are many payment years to choose from, but only 20 years at most. Many critical illness insurances have a maximum payment period of 30 years. As the years get longer, our payment pressure will be less.
2. Disease protection
Fude Life Insurance can cover 120 kinds of serious diseases, and can pay for many times. The disease was divided into five groups, and each payment was 100% of the insured amount. But grouping is a bit inappropriate. Malignant tumor and malignant hydatidiform mole as a group, the highest incidence of major diseases is malignant tumor. Malignant hydatidiform mole is common in women, mainly in women over 40 years old. Women who have insured this kind of critical illness insurance should pay attention to the fact that the probability of compensation will be relatively small, and special attention should be paid to the critical illness insurance of disease groups. Does this grouping symbol meet our requirements?
Is it good or bad for groups to choose critical illness insurance? The key is to look at this! 》
At present, there are 20 combinations of diseases in China, all of which are paid twice. At present, 60% and 50% of China's disease products account for more than half. Relatively speaking, the proportion of China's disease in Kangyou's life is still very high!
There are 1, 20 kinds of insurance, 2, 30% of the insured amount, not paying 3 or 5 times in groups, which is very good.
3. Other guarantees
Critical illness care insurance has an attractive guarantee, that is, it pays an extra five times, and each time it pays an extra 65,438+000%. The insurance contract is over 30 years, and the insured is under 18 years old at the time of insurance. After confirming the serious illness, you can get compensation, which is equivalent to insuring 500,000 yuan, and the compensation for serious illness is 1 10,000. After all, the treatment of major diseases is very expensive.
Generally speaking, although Kang You's life has some minor flaws, the overall guarantee is still good. The following are its guarantee contents. Friends who are still hesitating can also look at it again:
How about the widely acclaimed Fude Life Life "Kangyou Life"? Analysis of the article "
Of course, a critical illness insurance product doesn't mean anything. You can look at other insurance products of Fude Life Insurance. It is best to compare the products of other insurance companies horizontally and find out the products that are useful to you.
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
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