Taiping Life Insurance is actually an insurance company with deep qualifications in the industry. Many friends are familiar with the name of this company, but they don't know much about its strength. Today, Senior Sister gives you a detailed evaluation to help you better understand and know Taiping Life Insurance.
Space is limited. For a detailed evaluation of Taiping Life Insurance, you can poke the following links for a comprehensive understanding:
How can Taiping Life be reliable? I suggest you think more about these products ... "
1. Is Taiping Life Insurance Company reliable?
1. Overview of Taiping Life Insurance
Taiping Life Insurance was formally established on 200 1, with a registered capital of 10 billion yuan and its headquarters in Shanghai. However, the origin of China Taiping Insurance Group originated from the 1920s and 1930s, and it can be regarded as an insurance company with a long history.
Up to now, China Taiping has developed into a financial and insurance group with more than 600,000 employees, 24 subsidiaries and more than 2,000 business organizations at all levels, with total assets of 600 billion yuan, ranking among the top 500 in the world in 20 18 years.
Taiping Life's own strength can be said to be beyond doubt, and this insurance company is still very worthy of everyone's trust.
2. Solvency of Taiping Life Insurance
Of course, we should not only have a clear understanding of the company's background, but also pay attention to the solvency of insurance companies. After all, it affects our interests.
Taiping Life's latest solvency report has been placed below for your understanding:
From Taiping Life Insurance official website
According to the requirements of CBRC standards, an insurance company's core solvency adequacy ratio reaches 50% or above, its comprehensive solvency adequacy ratio reaches 100% or above, and its comprehensive risk rating reaches B or above, which can be regarded as qualified solvency.
According to the content shown in the above figure, the indicators of Taiping Life Insurance in the first quarter of 2022 are compared with the standards stipulated by the CBRC, and it can be seen that they are still exceeding the standard. So you can rest assured that the solvency of the product is very obvious.
The above is only a small part of the understanding of insurance companies. If you want to fully understand an insurance company, the following professional article can help you:
"What should we pay attention to when we pay attention to insurance companies? 》
Don't be too happy to see this. After all, a strong company does not mean a good product. Secondly, the key points, let's take a look at the performance of Taiping Life Insurance products!
Second, is Taiping Life's critical illness insurance worth buying?
Senior sister summed up the critical illness insurance products that many people care about, and selected a popular critical illness insurance product-Taiping Fulu Xinxi Critical illness insurance for evaluation.
Before it's too late, let's go to the critical illness insurance protection map of Fulu Xinxi:
Taiping life fulu new Xi critical illness insurance protection map
Taiping Fuluxin Xi critical illness insurance is a very simple critical illness insurance, and there are only two kinds of coverage, namely, critical illness protection and death protection. Senior sister thinks there are still many things to pay attention to:
1. Lack of protection for mild and moderate diseases.
The most prominent deficiency of Fuluxi is the lack of protection for mild and moderate diseases! To tell the truth, most of the current critical illness insurance provides basic protection such as mild or moderate diseases.
Many people may not understand the importance of mild or moderate diseases in critical illness insurance. For this reason, senior sister will give you an example to analyze:
If Xiao Ming started from Fu Luxi and was unfortunately diagnosed with some kind of Chinese medicine disease one year later, and this Chinese medicine obviously does not meet the scope of compensation for Fu Luxi's serious illness, then Fu Luxi will not provide compensation.
It can be seen that the most important function of the establishment of mild and moderate diseases is to lower the threshold of claims, so that the insured can get insurance money in time for treatment when they are mild and moderate.
Moreover, when the disease is mild or moderate, the treatment effect and prognosis are much better than those of specific diseases, which is more beneficial to consumers.
2. The proportion of compensation for serious illness is low.
Fuluxin Xi's compensation for critical illness insurance is only 100%, which is far from enough in the critical illness insurance market!
Compared with excellent critical illness insurance, critical illness insurance will set additional compensation. For example, Versailles plus set 80% extra compensation before the age of 60 and 30% extra compensation between the ages of 60 and 64. Comparatively speaking, there is still a big gap between the protection efforts of the two.
Imagine that if you buy 500,000 insurance coverage and insure Versailles plus, you can get 900,000 claims, but Fulu Xinxi only has 500,000 claims, so you must choose to pay more.
Similarly, if you want to know more about the content analysis of Versailles plus, you can poke into this article:
"Versailles plus critical illness insurance has returned heavily, and you must look at the in-depth evaluation before buying! 》
In short, although Taiping Life itself is very strong, the performance of this Fuluxi critical illness insurance is not very good. If you are a friend who is interested in the insurance products of Taiping Life, you'd better compare them more.
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
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I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
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Never trust China Taiping Life Insurance.
Senior once mentioned in an article, what kind of company is Taiping Life Insurance? Interested friends can find out: Is Taiping Insurance trustworthy?
I. Background of China Taiping Insurance Company
Taiping Life Insurance was established on 200 1, and the group behind it, Taiping Insurance Group, was established on 1929. Established more than 90 years ago, it has become the longest-running national insurance brand in the history of China.
Taiping Life Insurance Company has a registered capital of * * */kloc-0.003 billion and total assets of nearly 600 billion yuan. Do these figures still make you think this is a small company? It will be unexpected when you see it.
Taiping life insurance company is really so powerful, which is really commendable!
The business scope of China Taiping and its subsidiaries covers life insurance, property insurance, endowment insurance, reinsurance, reinsurance brokers and insurance agents, internet insurance, asset management, securities brokerage, financial leasing, real estate investment and pension investment.
In this way, China Taiping's business scope is indeed very extensive, and its insurance coverage is also very comprehensive. In 2020, China Taiping Life Insurance won the China Jinding Award as "Outstanding Life Insurance Company of the Year".
Second, the solvency of China Taiping Insurance Company
What do you need to see to see if the insurance company is reliable? Also pay attention to solvency and risk rating, in terms of comprehensive strength. On the official website of China Insurance Association, seniors found many reports about China Taiping:
According to the report, the core solvency adequacy ratio of Taiping Life Insurance Company in the third quarter of 2020 was 265,438+03%, the comprehensive solvency adequacy ratio was 265,438+06%, and the risk rating was A-level.
And according to the relevant national regulations, an insurance company is qualified if its core solvency adequacy ratio exceeds 50%, its comprehensive solvency adequacy ratio exceeds 100% and its risk rating is in Class B..
You can rest assured to buy his products, and you will be guaranteed in the future. If you can't judge whether Taiping Insurance Company is an excellent insurance company, please read this article: What should we see for insurance companies?
Three, China Taiping Insurance Company solvency claims ability
According to the data of Taiping Life Insurance Company, its core solvency adequacy ratio was 2 13% in the third quarter of 2020, the number of claims was 692,000, the number of customers served in the whole year was 543,000, and the odds of small claims exceeded 99%.
Want to know how strong China Taiping Insurance claims ability is, you can learn from this amazing data. The odds of China Taiping Insurance's small claims are quite high, exceeding 99%. Once a customer is out of danger, most of them can get claims from China Taiping Insurance.
In order to make you better learn the prescription knowledge of China Taiping Insurance, Senior Sister has specially found relevant information for you. Let's study together:
The acceptance rate of "second compensation" for China Taiping Life Mobile claims is 66%, and the limitation of claims is changed from 8 seconds to 2 seconds, which is really fast. The final limitation of claims is only 1 second.
Therefore, the ten important service innovation projects of China Taiping Insurance Service Evaluation, the second prize of Shanghai Financial Innovation Achievement Award, and the excellent insurance service case of People's Good Insurance "Guardian Star" are really thoughtful!
If you want to know something about claims, take a look at this claim cheats. If an accident happens unfortunately, you can show your talents: what is the most practical method in the event of a claim dispute?
To sum up, Senior Sister analyzes China Taiping Insurance from the perspectives of insurance company background, solvency and claim settlement ability, and it can be seen that China Taiping Insurance is a reliable, trustworthy and powerful insurance company.
Is Taiping Life a lie? Is the company legal?
Taiping Life is not deceptive, and the company is legal.
Taiping Life has a long history. 200 1, 1 1, China Insurance Co., Ltd. resumed domestic life insurance business in the name of "Taiping Life Insurance".
After the resumption of business, "Taiping Life Insurance" is the sixth national life insurance company in China. At present, the company has a registered capital of 6.23 billion yuan and is headquartered in Shanghai. 20 16 In August, Taiping Life Insurance Co., Ltd. ranked 142 in "Top 500 Chinese Enterprises in 20 16".
In June 5438+0, August 2004 and June 5438+0/kloc-0, the registered capital of Taiping Life Insurance Company increased from 1 100 million yuan in June 2003 to 2.33 billion yuan.
2. In June 2005, the personal life insurance policy with an underwriting amount as high as 50.395 million yuan set a new record for domestic personal life insurance coverage, and was called "the first domestic personal life insurance policy".
3. In September 2005, we obtained the ISO900 1:2000: 2000 quality management system certification of "Providing new contract policy services" issued by BSI, an international authoritative certification body.
4. In February 2008, the new contract premiums exceeded 654.38+05.5 billion yuan, the total premiums reached 654.38+09 billion yuan, the total assets exceeded 60 billion yuan, and the number of customers exceeded 8 million, thus achieving fair competition under China accounting standards.
Taiping Life Insurance Co., Ltd.-Baidu Encyclopedia
Taiping Insurance is too cheat people!
Taiping insurance is not owned by swindlers. Taiping Insurance, the full name of which is China Taiping Insurance Group Co., Ltd., is the first multinational financial insurance group company in China and a central financial enterprise.
Taiping Insurance was established in Shanghai, 1929. It is a national insurance brand with a long history in China, the only Chinese-funded financial institution headquartered in Hongkong and the first Chinese-funded insurance enterprise in China. Moreover, insurance companies can only be established after the approval of the CBRC, and the CBRC will do the checks for consumers, so don't worry too much about cheating. If you want to know more about Taiping Insurance, you can also read this article again: [link] {How can Taiping Life be reliable? I suggest you think more about these products. ....
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People think that the fraudsters of Taiping Insurance usually come from hearing some news about refusing insurance, but senior sister wants to tell you that the common reason why insurance companies refuse to pay compensation is that people do not pay attention to the terms when purchasing insurance, especially the relevant exemption clauses indicated in the contract.
When you buy life insurance, it is very important to pay attention to the exemption clause, otherwise the insurance company may refuse to claim compensation when applying for compensation. If you are not particularly familiar with the exemption clause, you can read this article: What is the exemption clause of insurance? What do you think? If you don't understand, you will suffer a big loss!
However, when buying insurance, you should pay attention to more than the above. I suggest you read this information prepared by your senior again to help you avoid stepping on the pit: teach you to identify the pit in the insurance contract!
Hope to adopt
The same number on the whole network: Xueba said insurance, welcome to search!
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