Before starting, I suggest you collect this article about judging whether an insurance company is good or not:
"What should we pay attention to when we pay attention to insurance companies? 》
Is the value of Pacific Life Insurance Company worthy of your trust? Senior analysis for you from the following aspects:
I. Background of Pacific Life Insurance Company
China Pacific Life Insurance Co., Ltd. (hereinafter referred to as "Pacific Life") is a professional life insurance subsidiary of China Pacific Insurance (Group) Co., Ltd. (hereinafter referred to as "Pacific Insurance"). Founded in 200 1+0 1, with its headquarters in Shanghai. In addition, the registered capital of Pacific Life is RMB 8.42 billion.
Its parent company, Pacific Insurance, is an insurance group company established on the basis of China Pacific Insurance Company established on May 3, 199 1. In fact, it is a leading comprehensive insurance group in China, and the other is the first A+H+G (Shanghai, Hong Kong and London) listed insurance company.
In terms of honor, Pacific Life has been rated as A-class business by insurance companies for six consecutive years, and AA- rated in the service evaluation results of national insurance companies from 20 17 to 20 19 for three consecutive years. The service quality index of life insurance (life insurance, accident insurance and health insurance business) in 20021year is 94.74, making it a leading enterprise in the industry. This influence is very good.
What if people think it's not intuitive enough? You can check the rankings of major insurance companies by clicking the links below:
"Family exposure! Total assets ranking of the top ten insurance companies.
Two. Solvency of Pacific Life Insurance Company
Do you often hear the following sentence: "The strength of an insurance company is good, and the most important thing is to see its solvency!"
In fact, what I want to say is that this is not something that everyone should consider at all, because even if the insurance company goes bankrupt, we don't have to panic too much.
In fact, in China, the existence of insurance companies is quite special:
1, there are many ordinary investors in insurance companies, so it is impossible to compare investment channels;
2. Theoretically, the company may go bankrupt, but the insurance law stipulates that the insurance company cannot go bankrupt, and there are only two options: separation and merger;
Even if the insurance company declares bankruptcy, it will not bring losses to customers, because the insurance company will withdraw the deposit for each premium. If there is a problem in operation, the insurance company will also hand over all the insurance policies and deposits to another insurance company.
In this case, whether the solvency of insurance companies (such as Pacific Life Insurance Company) is excellent is not something we need to worry about at all!
Third, the claim limitation of Pacific Life Insurance Company.
Pacific Life Insurance Company will not be slow in settling claims. For example, the information provided by yourself is complete enough, so you don't have to worry too much about the settlement speed of this insurance company. Within the scope of the insurance contract, it is marked, so it will definitely be paid in a certain period of time.
Now, let's take a closer look at the compensation limit of Pacific Life Insurance Company. First of all, let me show you the picture:
Pacific Life Insurance Company's Claims Service Report in the First Half of 2022
According to the relevant information in the picture, it can be found that for the insurance company of Pacific Life Insurance Company, the fastest payment limit is only 3.3 seconds, which is really too fast. So you can rest assured that you can insure the products of Pacific Life Insurance Company. It's really amazing! Claim limit is really a factor that you need to consider when insuring insurance products. Therefore, if you are ill in hospital or need money urgently in other places, the speed of claim settlement is likely to be directly linked to your life. If you get the money one day earlier, you will be guaranteed one day earlier.
Therefore, in the following article, Senior Sister helps you to comprehensively sort out the claims speed of major insurance companies. Interested friends can have a look:
"Which insurance company claims the best? 53 claims annual report tells you "
Four, the characteristics of Pacific Life Insurance Company
Official website data show that the characteristics of Pacific Life Insurance Company are mainly reflected in the critical illness insurance. Critical illness insurance is the main characteristic insurance of Pacific Life Insurance Company.
Furthermore, in the process of building critical illness insurance, Pacific Life Insurance Company is also trying its best to build it. Therefore, more attention should be paid to the income guarantee function of critical illness insurance, which makes it difficult for customers to see a doctor and the cost of critical illness treatment insufficient.
Pacific Life Insurance Company tries its best to add some functions and clauses for most critical illness insurance, such as extra payment, green service in key hospitals, and priority care for patients with critical illness. In this way, customers can afford to see a doctor, have a good hospital to see a doctor, and the family can also ensure sufficient financial support during the medical treatment. Therefore, the critical illness insurance of Pacific Life Insurance Company really deserves our consideration.
The above content belongs to the specific explanation of Pacific Life Insurance Company, and I sincerely hope to help you ~
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