If we want to buy insurance from these two companies, which one is more worthy of our choice? Let the senior sister elaborate on it for everyone!
First, AIA background analysis
19 19, Mr. Shi Dai founded a foreign-funded institution in Shanghai to provide life insurance services for Chinese, which opened a century-old relationship between AIA and China. 1992 is the date when AIA set up its branch in Shanghai. It is one of the first non-local insurance institutions to obtain the business license of personal life insurance after the reform and opening up, and it is also the first insurance company to introduce the insurance salesman system.
2065438+In July 2009, AIA ranked 388th in Fortune Global 500. In March 2020, it was successfully selected as the 95th among the top 500 global brand values in 2020. In fact, we can see from the Fortune Global 500 list of 20021that AIA is once again on the list, and AIA ranks 2nd13rd in the list with an operating income of US$ 50.359 billion, which is 37 places higher than the previous year.
The above content is an analysis of its company background, and then take a look at its solvency.
Solvency is an important indicator to measure whether an insurance company has the ability to repay debts, and whether an insurance company's solvency is qualified depends on whether it meets the requirements of China Banking and Insurance Regulatory Commission.
The relevant standards stipulated by the CBRC are: the core solvency adequacy ratio is not less than 50%; The comprehensive solvency adequacy ratio is not less than100%; The comprehensive risk level is Grade B or above.
According to AIA Life Insurance Company's solvency report in the third quarter of 2022, AIA Life Insurance Company's core solvency adequacy ratio reached 228.0 1%, comprehensive solvency adequacy ratio reached 379.76%, and comprehensive risk rating reached AA.
It can be seen that AIA's solvency meets the requirements of CBRC. If you want to know more about AIA, you can read this article again:
How about AIA? Is its product worth buying? 》
2. What is the strength of Zhongan Insurance?
20 17 On September 28th, Zhongan Insurance was officially listed on the main board of the Hong Kong Stock Exchange, becoming the first internet insurance company in the world. Zhongan Insurance will be headquartered in Shanghai, without any branches, and conduct business entirely through the Internet. The key is to drive the engine from "insurance+technology", which can serve the new generation with technology, and then focus on setting customized, personalized and intelligent new insurance for it.
The above content is an analysis of its corporate background, and then I will take a look at its solvency.
According to the solvency report of Zhongan Insurance in the third quarter of 2022, the core solvency adequacy ratio of Zhongan Insurance reached 285.43%, and the comprehensive solvency adequacy ratio also reached 293.65%. The comprehensive risk rating obtained in the fourth quarter of 2002/KLOC-0 is BBB.
The following article also introduces the contents of Zhongan Insurance, which can be obtained by clicking the link!
"Is Zhongan Insurance reliable? You will know after reading it! 》
Three. Aia PK zhongan insurance
1, background
After reading the above explanation, I found that AIA and Zhongan Insurance have good strength. Although AIA was established earlier than Zhongan Insurance, the shareholders behind Zhongan Insurance are relatively strong, so you don't need to worry.
2. Solvency
It can be seen that AIA and Zhongan Insurance are similar in solvency. Zhongan Insurance is lower than AIA in comprehensive risk rating, but it also meets the relevant standards of China Banking Regulatory Commission, so both companies can be trusted.
3. AIA and Zhongan insurance products PK!
AIA's insurance business scope is still very wide. Common types of insurance include critical illness insurance, medical insurance and accident insurance, life insurance and annuity insurance. Aia is involved. Ruyou Ruyi Shunxin version of critical illness insurance and AIA future annuity insurance 2022 are all key products of AIA at this time.
There are also many types of insurance sold by Zhongan Insurance. At present, the exclusive E-Health 2022 Million Medical Insurance Personal Edition and Zhongan Pratt & Whitney E-Health Million Anti-cancer Medical Insurance are also products that consumers often say.
Let's take Youshang's Ruyi Shunxin Edition and the exclusive E-student's 20.22 million medical insurance personal edition as examples to analyze for everyone.
Then let's take a look at the protection map of AIA Life's AIA Happiness Edition:
We can get some information from the above picture. You ruyi Shunxin Edition is really rich in protection content, including serious/moderate/minor illness protection, death/total disability protection, extra insurance benefits and health management services for serious illness/death/total disability.
Moreover, the waiting period of Friends Ruyi Shunxin Edition is set at 90 days, which is relatively short in critical illness insurance products. If the waiting period is short, everyone can be guaranteed as soon as possible, which is quite good for consumers. In case of danger during the waiting period, it is not worth the loss to the insured.
However, there is still one thing to pay attention to. You ruyi shunxin edition also has extra quota exemption protection. It can be understood that you have to pay the premium yourself to enjoy the exemption protection of the insured, which is a bit unkind. So this is also a point that friends should pay attention to.
Today, I would like to take this opportunity to take a look at the protection map of E-student's personal version of 20.22 million medical insurance:
E-student's 20.22 million medical insurance personal edition provides rich protection, which not only provides some basic protection responsibilities, but also provides the insured with relevant treatment methods for rare diseases and malignant tumors of minors, and it is a deductible. At the same time, it also provides a wealth of optional protection for consumers to choose, which can provide the best treatment plan for the insured.
To sum up, AIA and Zhongan Insurance Company are equal in strength, and if you want to know which insurance company's products are worth buying, you have to combine personal security needs and economic conditions to see which products are more suitable.
If you still don't know how to choose the right insurance, you can take a look at this insurance strategy first:
Which kind of insurance is better and how to buy it is more cost-effective, and teach you to avoid these pits of insurance.
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
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