People's livelihood insurance is unreliable, but it is also unreliable. Don't worry, it will deceive people. How can it be irregular for the CBRC to manage insurance companies? So it will be settled smoothly according to the contract. Moreover, it takes at least 200 million yuan to set up an insurance company (the laws and regulations are clearly written), and a reliable and credible insurance company can afford enough money.
Minsheng Life Insurance was established in June 2003 with a registered capital of 6 billion yuan and two headquarters in Beijing and Shanghai respectively. Minsheng Insurance is mainly engaged in personal insurance business, including life insurance, health insurance, accident insurance and annuity insurance.
1. What is the strength of Minsheng Life?
By the end of February 20 18, 18, Minsheng Insurance Company had 25 branches and nearly 800 service outlets in China. Minsheng Life Insurance's premium income in the first half of 20 19 reached 6.833 billion yuan, ranking 36th.
Although these data are far from the first-line insurance companies such as China Life Insurance, Ping An Insurance and Pacific Insurance, the development of people's livelihood insurance has been very stable and reliable in recent years.
Second, the solvency of people's livelihood insurance
Solvency is the basic index to measure the financial situation of insurance companies, which represents the ability of insurance companies to repay debts. The higher the solvency, the less likely the insurance company will go bankrupt.
It can be seen that the comprehensive solvency of Minsheng Insurance is 26.8%, and its comprehensive risk rating is Grade A, far exceeding the passing line set by China Banking and Insurance Regulatory Commission, and it has performed well. Which insurance companies have higher solvency? I tidied it up here. What are the top ten insurance companies with solvency in 2020? 》
3. What about Minsheng Life's products?
Minsheng Insurance mainly deals in life insurance, critical illness insurance, medical insurance, accident insurance and other personal insurance businesses. I have filtered all the popular products in the list:
What about its products?
First, make a simple evaluation of the two major critical illness insurance, and look at the picture directly:
Ruyi Xinkang: Two compensation for serious illness and three compensation for mild illness, but not only serious illness is divided into three groups, but also mild illness is divided into three groups, which is far from the same level of products. Moreover, the protection for minor diseases is not practical enough, and the payment conditions are harsh. For example, atypical myocardial infarction with high incidence needs to be compensated by coronary intervention.
Ruyi Juankang: 65438+ 0 times of serious illness+3 times of mild illness, including extra compensation for children's specific diseases. China has insufficient disease protection, incomplete protection for mild illness and high price.
These two major critical illness insurance are not so good. There are other products with higher cost performance and more comprehensive protection on the market. You can have a look at my "Top Ten Hot Critical Illness Insurance Inventory"! 》
Hope to adopt!
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Source: Xueba said that insurance official website