Today, Senior Xue takes Taikang Insurance as an example to tell you how to judge whether an insurance company is reliable or not.
Before formally introducing the basic situation of this company to you, friends who are not familiar with insurance may wish to take a look at the following article and learn the relevant knowledge points of insurance:
"Super complete! Everything you want to know about insurance is here.
1. Is the strength of Taikang Insurance Company reliable?
Taikang Insurance Group Co., Ltd. was established in 1996 and its headquarters is in Beijing. Up to now, it has developed into a large financial insurance service group covering three core businesses: insurance, asset management and medical treatment.
Since its establishment 24 years ago, Taikang Insurance has served 262 million customers and more than 420,000 corporate customers, ranking among the "Top 500 Chinese Enterprises" for 14 years in a row.
On September/0/0, 2020, the list of the top 500 private enterprises in China in 2020 was released, and Taikang Insurance Group Co., Ltd. ranked 20th, with an operating income of 2038/0/4.06 million yuan.
Taikang Insurance Company ranks 20th in the list of private enterprises in China, and it is a company with strong comprehensive strength. Let's take a look at its performance in claims.
2. What is the ability of Taikang Insurance Company to claim compensation?
Statistics show that Taikang paid customers 165438+ 10,000 yuan, 3.85 million yuan and 6 billion yuan in five years. More than 30,000 patients are still receiving protection on Taikang Online.
After reading these, are you still worried about the claims of Taikang Insurance? Senior sister gives you reassurance. The solvency standard is based on its core solvency adequacy ratio, comprehensive solvency adequacy ratio and comprehensive risk rating index.
Image from Taikang Online Property Insurance Co., Ltd. official website.
As shown in the figure, as of the fourth quarter of 2020, Taikang Insurance Company's core solvency adequacy ratio and comprehensive solvency adequacy ratio both reached 265,438+065,438+0.65%, and its comprehensive risk rating results continued to maintain Grade A, which met the regulatory requirements of the China Banking Regulatory Commission and was a company with solvency standards.
Generally speaking, the strength of Taikang insurance company is still ahead of other insurance companies, which is worth believing!
Insurance companies are trustworthy, and products are not necessarily trustworthy. Senior sister wants to evaluate the better Taiai Million Medical Insurance (exclusive version) sold at home and see how cost-effective her products are.
3. Is the product of Taikang Insurance Company worth buying?
Without further ado, I will directly show you the product protection map of TAI Aibao Million Medical Insurance (exclusive medical version) ~
1, insurance age
Tai Aibao Million Medical Insurance (exclusive medical edition) can only be insured at the age of 60, and the elderly over 60 cannot be insured.
There are also millions of medical insurance that can be insured over 60 years old in the market, which has brought benefits to many elderly groups. As long as you pass the underwriting, you can insure smoothly.
2, proton heavy ion protection
Proton heavy ion technology is an internationally recognized frontier radiotherapy technology, which can not only centrally blast tumors, but also reduce the damage to healthy tissues. The treatment effect is more obvious, and there are not too many side effects.
Although proton heavy ions are good, the high cost makes many patients with ordinary income discouraged. Taiaibao million medical insurance (exclusive medical edition) includes proton heavy ion protection, and the treatment fee is not a problem!
3. Insurance renewal
Tai Ai Bao Million Medical Insurance (exclusive medical edition) is a continuous million medical insurance. When you choose to start the continuous protection plan, you can have continuous protection, renewal without notice and no waiting period.
So what should I pay attention to when renewing my insurance? You will know after reading the following article:
How to operate medical insurance renewal and what should I pay attention to? Please look at the analysis! 》
4. Medical progress
Simply put, medical advance is the negotiation between insurance companies and cooperative hospitals. The medical expenses shall be paid by the insurance company in advance, and will be liquidated after the insured is discharged from the hospital.
In this way, when the insured person is hospitalized, there is no need to worry about the problem that he can't take the medicine because he can't afford the deposit. The function of medical advance payment is quite good!
Thai Aibao Million Medical Insurance (exclusive medical edition) currently covers 3/kloc-0 provinces (autonomous regions and municipalities directly under the Central Government) and 82 cities, with a total of 3,650 hospitals.
Generally speaking, it is really unnecessary to consider whether the insurance company is a big company when configuring insurance. The most important thing is to look at the insurance product itself. After all, product quality determines value ~
Finally, I will give you a list of benefits and millions of medical insurance cost performance:
The latest top ten list of millions of medical insurance! 》
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!