Among the top 500 world brands in 20 18, MetLife ranks 300th, and its strength cannot be underestimated. But just looking at this ranking is not enough. Next, I will analyze metropolitan insurance companies from solvency, reputation and product situation.
(1) solvency
According to statistics, in 20 18 1 1 year, the metropolis has settled more than 20,000 insurance policies. What is the repayment level in metropolis? Directly on the list is clear at a glance:
(2) Word of mouth
In order to settle claims more efficiently, MetLife has launched an automated platform as customer service, which allows consumers to handle renewal, claim settlement and hotline consultation by themselves, making consumers more time-saving when handling business, and winning the appreciation of many people.
(3) Product information
Metlife's products include sincere care, hospitalization allowance, medical insurance, accident and major illness protection plan, health and lifelong illness insurance plan and self-driving accident insurance.
Analysis of life-long illness insurance plan;
Advantages:
The health lifelong illness insurance plan can be supplemented to 65 years old, 75 years old and 85 years old for life, and the coverage period and insurance types can be selected according to needs, which is very flexible. As a product with independent responsibility, the compensation for serious illness will not affect other additional responsibilities.
Insufficient:
(1) The grouping of serious diseases is unreasonable.
Malignant tumors and other diseases are classified into the same group. Once such a group pays for malignant tumors, it will not pay for other diseases of the group, and too few groups will lead to fewer opportunities for multiple claims.
(2) Repeated payment for minor illnesses is disappointing.
It is rare to see minor illness grouping in critical illness insurance. There is also an interval for minor illnesses that are healthy and free. Generally speaking, the interval is set on the second payment of cancer. These settings are disappointing.
(3) the price is more expensive
Choose serious illness, mild illness, exemption and main insurance, 30-year-old female, 30 years old, with a coverage of 500,000. The annual premium for a healthy life is more than 1 1000. A healthy life is about 5,000 yuan more expensive than a recreational life in 2065,438+09, and the protection of a healthy life is not comprehensive enough.
Summary: Metropolis still has strength, good solvency and good reputation, but because the brand has set a higher price, the product cost performance is not high. If you want to buy insurance for this company, you must be prepared to spend more money.