A fan wrote a private letter to her senior, asking about the strength of Ping An Insurance. Is it difficult to settle claims? In order to help you solve this problem, let's take a look with our senior sister.
1. Is China safe and reliable? The key is to look at these two points.
1, point 1: Company status
China Insurance Co., Ltd. China Ping An Life Insurance Company of China Insurance Company was established in 2002 and is an important member of China Ping An Insurance (Group) Co., Ltd. ..
By the end of 2020, China Ping An Life Insurance Company of China Insurance Company had a registered capital of 33.8 billion yuan and had 42 branches (including 7 telemarketing centers) in China. At the same time, there are more than 3,300 business outlets and more than one million life insurance agents. The service network covers all of China, providing customers with life insurance products and services.
According to the premium income ranking of life insurance companies in 2020, China Life ranked first, and China Ping An Life Insurance Company of China ranked second with 476.087 billion yuan.
2. The second point: solvency.
202 1 China insurance company China Ping An Life Insurance Company of China insurance company's repayment ability in the first quarter has come out. Let's see:
Note that the CBRC's requirements for the solvency of insurance companies are: the core solvency adequacy ratio is ≥50%, and the comprehensive solvency adequacy ratio is ≥ 100%, so as to meet the normal operating standards.
In this way, the data and repayment ability of China insurance company, China and Ping An Life Insurance Company of China are relatively good. "A" level is the result of the latest comprehensive risk rating. People still have the strength to pay your insurance policy, don't worry ~
The above two points can be concluded, which completely dispels the view of China Life Insurance Company.
Of course, after seeing the strength of China insurance company China Ping An Life Insurance Company of China Insurance Company, we finally need to pay attention to products. Here are some examples of our senior sisters, which will definitely help everyone after reading them ~
2. Are China Ping An's products worth buying? I'm telling you!
China Ping An, a big brand, is familiar to everyone, but who really knows the insurance products of China Ping An Life Insurance Company of China Insurance Company?
Because the critical illness insurance accounts for a large proportion in most cases, senior, let's take Ping An Fu 2 1, a subsidiary of China Ping An, as an example, so that we can have a deeper understanding of whether its critical illness insurance is worth buying. Come, present the picture first:
As shown in the figure, I have a deep understanding. Ping An Fu 2 1 owned by China Ping An is an adult critical illness insurance. We are interested in this product. If you want to know the specific advantages and disadvantages, please take a look at the following analysis:
Advantages of Ping An Fu 2 1:
1, the waiting period is only 90 days.
As we all know, if an accident happens during the waiting period, the insurance company will not pay a penny, but directly refund the premium, so the insurance contract will be invalid, so the shorter the waiting period, the sooner the insured can enjoy the product guarantee.
The waiting period of Ping An Fu 2 1 is only 90 days, which is consistent with the shortest waiting period on the market at present.
Of course, there are other unknown rules about the waiting period. I suggest you read this article to avoid the pit better:
"The insurance company will not lose money during the waiting period? If you don't understand, you will suffer a big loss! 》
2. The basic guarantee is comprehensive.
In fact, Ping An Fu 20, the predecessor of Ping An Fu 2 1, can't enjoy the disease protection in China. Now, the upgraded Ping An Fu 2 1 finally includes China's disease protection, and this product also has two basic protections: serious illness and mild illness. Sister Xue is very satisfied to see this feeling ~
However, Ping An Fu 2 1 performed well in these places. Senior sister found this product through the above terms, but there are still the following shortcomings:
Disadvantages of Ping An Fu 2 1:
1, the insurance age range is not wide.
Because various insurance companies have a new definition of critical illness insurance, senior sister found that the maximum age of critical illness insurance is 65 years old.
Let's look at Ping An Fu 2 1. Only people aged 18-55 can be insured. From this perspective, the experience of this product will be much worse for people aged 55-65!
For example, you are just 56 years old and in good health. You want to buy Ping An Fu 2 1, but you are not in the insurance age range of others, so you can't buy other products. Really speechless.
2. The proportion of compensation for minor diseases is low.
Although the new regulations on critical illness insurance limit some small claims, the proportion of small claims is generally around 30%, which is the case for most products, and some products pay extra 10%, which is what Xintai Life Darwin No.5 New Edition Huan did ~
Comparing the two, Ping An Fu 2 1 mild illness can only pay 20% of the insured amount, which is inevitably inferior.
Suppose that under the insurance coverage of 300,000 yuan, other insurance companies can pay 40% of the minor illness coverage, that is, 1.2 million yuan, while Ping An Fu 2 1 can only pay 60,000 yuan. Does anyone think the difference of 60 thousand yuan is fair?
Knowing this, do you think the evaluation of Ping An Fu 2 1 is over, but it's not over yet? A fatal flaw of others is this:
Ping An Fu 2 1 Critical illness insurance under the new critical illness regulations is coming! These obscene operations have not changed ... "
Ok, the introduction of China Ping An Insurance is over. Let's briefly summarize!
Third, the summary of the senior sister
Generally speaking, you can buy the insurance of China Ping An Insurance Company with confidence, and the big brands are trustworthy ~
When we buy insurance, we should not only pay attention to the reputation and strength of the insurance company. The first thing to pay attention to is the cost performance of insurance itself.
For example, Ping An Fu 2 1, the example cited today, although it is a product of China Ping An Insurance Company, still has a lot to be improved. Therefore, sister Xue suggested that you should look at insurance more and choose the one that suits you best!
If you don't know how to compare, this list of senior sisters is recommended to everyone, hoping to help:
"Top Ten Hot Critical Illness Insurance Inventory Worth Buying! 》
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
If the above content has not solved your problem, you can also come to the official account of WeChat to learn to bully and say that insurance consulting me;
I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
WeChat official account: Xueba said that insurance costs less, buy the right insurance!