It is said that this product can give many benefits to women, and it is cost-effective. Many friends can't wait to comment on this product in private.
There should be many friends who don't know much about JD.COM Allianz, so today Senior Sister will take you to have a look: Can JD.COM Allianz rest assured? Will Allianz JD.COM regret buying certain critical illness insurance for women? Is it worth buying?
Before entering the text, let's learn some key knowledge about insurance, so as to better understand and stamp the article:
Before buying insurance, you must first understand these key knowledge points! 》
1.JD.COM Is Allianz reliable?
Let's get to know the background of Allianz in JD.COM first.
1. Company background
JD.COM Allianz, whose full name is JD.COM Allianz Property Insurance Co., Ltd., was established on March 24, 20 10 with a registered capital of 16 1 billion RMB.
JD.COM Allianz was formerly an insurance company established by German Allianz Insurance Group in 2003.
Allianz Group 1890 was founded in Berlin, Germany. It is one of the leading financial services groups in the world, serving/kloc-0 billion customers in more than 70 countries and regions around the world, and ranks first in the brand value of global insurance companies in the Interbrand global brand rankings of 20 1 9 and 2020.
Visible, JD.COM Allianz company is very strong!
Let's look at the solvency of Allianz in JD.COM.
2. Solvency
Solvency is a very basic reference condition to judge the financial situation of insurance companies. In fact, simply speaking, it is the repayment ability of insurance companies.
The solvency of insurance companies can be evaluated from the following three aspects:
Core solvency adequacy ratio: the ratio of core capital to minimum capital, which measures the adequacy of high-quality capital of insurance companies. Comprehensive solvency adequacy ratio: the ratio of actual capital to minimum capital, which measures the overall adequacy ratio of insurance companies. Risk rating: The risk rating of an insurance company is a comprehensive evaluation of risks. As long as the core solvency adequacy ratio is not less than 50%; The comprehensive solvency adequacy ratio is not less than100%; The comprehensive risk rating is Grade B or above, even if the solvency of the insurance company reaches the standard.
Let's look at the solvency of Allianz in JD.COM. COM:
It can be concluded that Allianz's three indicators in JD.COM are far beyond the standard line, which can be said to be quite excellent!
All the above tells us that you can trust JD.COM Allianz Insurance Company completely!
Let's take a look at JD.COM Allianz's female-only critical illness insurance.
How about 2.JD.COM Allianz Women's Specific Critical Illness Insurance?
As usual, let's take a look at the safety responsibility table first:
I believe that after understanding the map of the responsibility of protection, you will have your own understanding of JD.COM Allianz's female-specific critical illness insurance.
Let's analyze the advantages and disadvantages of JD.COM Allianz women's specific critical illness insurance for everyone!
1. Advantages
The protection of special diseases is practical.
Like breast cancer, these are high-risk diseases for women.
According to the data released by the International Agency for Research on Cancer of the World Health Organization, female breast cancer is now the most diagnosed cancer in the world, and there are more newly diagnosed cases than lung cancer. For women, JD.COM Allianz female specific critical illness insurance is really practical.
Flexible guarantee and low premium.
JD.COM Allianz women's specific critical illness insurance is divided into three protection plans according to the insured amount. Consumers who want to buy can consider their own needs before choosing, which is quite flexible.
At the same time, the premium of JD.COM Allianz women's specific critical illness insurance is extremely low.
A 30-year-old woman bought a critical illness insurance with a critical illness insurance coverage of 250,000 yuan and an accidental death/disability insurance coverage of 25,000 yuan. Buying 168 a year is really cost-effective!
2. Deficiencies
The guarantee period is only 1 year.
The guarantee period of JD.COM Allianz Women's Specific Critical Illness Insurance is 1 year.
When the guarantee expires, you need to re-insure. Suppose you are in poor health during this period, the insurance company may not let you insure.
If the critical illness insurance is 1 year, it is more suitable for young people with insufficient budget to transition, and then start regular critical illness insurance or lifelong critical illness insurance after saving enough money.
In addition, we need to pay attention to JD.COM Allianz women's specific critical illness insurance:
Behind the hot sale of women's specific critical illness insurance in JD.COM Allianz, this defect is hidden. ...
Generally speaking, if you want to buy a product with a short warranty period, you can pay attention to the specific serious illness of women in Allianz, JD.COM. The warranty period is only 1 year, and friends with a small budget can buy it.
Third, the summary of the senior sister
To sum up, the strength and solvency of JD.COM Allianz should not be underestimated, and it is a product worth buying.
JD.COM Allianz Company's special critical illness insurance for women is cost-effective, and young people with little budget can temporarily buy this product for a transition.
Of course, partners who want to buy other critical illness insurance can consider the following female critical illness insurance (including short-term and long-term):
Ten critical illness insurances worth buying for women! 》
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.
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