Before we begin, we need to know what the insurance company wants to see:
"What should we pay attention to when we pay attention to insurance companies? 》
1. What is the strength of AIA? You will know after reading it!
AIA can be said to be a relatively large and well-known insurance company. After reading his data, you will know whether this company is really reliable.
Let me start with the background strength, solvency and service quality of AIA:
Background intensity
AIA, a subsidiary of American International Group, was formally established in Shanghai on 19 19. It was the first foreign insurance company in Chinese mainland that was allowed to operate insurance business, and it has a history of one hundred years.
In 20021year, AIA ranked 213 in the Fortune Global 500 list; In 2022, it was ranked150th among the top 500 global brands.
On the whole, AIA has strong strength and financial strength.
solvency
Solvency is the basic index that must be considered when measuring the financial situation of insurance companies. It can be understood that companies can pay the insured amount when they encounter great difficulties, and the solvency of insurance companies can be measured and compared by solvency rate.
AIA's comprehensive solvency adequacy ratio in 2022 1 quarter was 389.82%, and its comprehensive risk rating in 2026 1 third and fourth quarters was Class A, far exceeding the standard bottom line stipulated by the CIRC! Therefore, the latter claims can be relaxed.
Speaking of claims, here is a claim strategy that can help you get compensation faster and get compensation faster:
What are the general claims materials? Details determine the success or failure of claims! 》
Through the above analysis, I believe you have more understanding of AIA, which is really powerful!
However, when you choose insurance, the most important thing is to see how the insurance products are and whether the content is suitable for you. What about AIA's best-selling products? Keep looking down and you will understand!
Second, is the value of AIA's popular products worth starting with? Comprehensive evaluation!
If you want to say which AIA product has the highest popularity recently, it must be the newly released AIA Baby 202 1 Medical Insurance, an insurance product for children's leukemia, which can guarantee the insured's "leukemia critical illness insurance+leukemia medical expenses" and so on.
Not much to say, just go to the product protection map that Senior Sister has worked so hard to organize:
As can be seen from the above table, AIA Baobao 202 1 is more suitable for children born from 30 days to 17 years old. Besides health management services, AIA Baobao 2021can also provide leukemia protection for the insured.
What is AIA Baby Care 202 1 doing better? Senior compiled two points:
1. leukemia disease insurance money is specially set.
AIA Baby 202 1 has created the concept of full-time financial guarantee and resource service. From the four stages of prevention, diagnosis, treatment and rehabilitation, every detail is care.
The highlight lies in leukemia disease insurance and medical expense insurance, which are relatively rare in the current medical insurance market. If you add 5 million insurance coverage, the first diagnosis of leukemia will pay 4% of the basic insurance coverage and directly pay 200,000. The use is equivalent to critical illness insurance, which is very practical.
2. Enjoy overseas medical reimbursement
AIA Baby 202 1 specifically includes overseas medical reimbursement services: the United States provides 70% of medical reimbursement, except for eight other designated countries in the United States, which provide 80% of reimbursement. In other words, if you spend 4 million US medical expenses, 2.8 million will be reimbursed, and you only need to pay 6.5438+0.2 million.
In addition to the above two attractive places, senior sister really can't find any place that is in place. On the contrary, the senior has compiled some points that need attention in this product:
1. No guarantee of renewal.
When a friend saw "the maximum renewal age is 22 years old", he naively thought that this product was allowed to be unconditionally renewed to 22 years old every year, which seemed quite good ~
Hehe, then you really think too much. This product-AIA Baby 202 1 does not guarantee renewal!
"Insurance can be renewed until the age of 22" can be understood as the product will not stop selling under the premise that the health status does not change, with a cycle of 1 year. If you enter the next cycle after termination, you must reconsider the health underwriting, and you can continue underwriting only after no problems are found.
Many excellent medical insurance products on the market have remarkable performance in renewal. For example, E-Life insurance has a guaranteed renewal period of 20 years. Compared with such products, the performance of AIA Baby 202 1 is really not good enough. ......
2. Overseas hospitals can be reimbursed.
Although the overseas medical treatment on AIA Baby 202 1 is so attractive, there are conditions: medical expenses must be reimbursed by overseas hospitals, and you can apply for direct payment. In other words, hospitalization expenses insurance in domestic hospitals cannot be reimbursed without going to overseas hospitals for treatment!
In other words, if you want to reimburse medical expenses, you must meet the conditions for overseas treatment, otherwise it will be a waste of money, so you must know this before buying ~
3. Long waiting period
AIA Guardian Baby 202 1 actually covers a 90-day waiting period. After all, excellent medical insurance on the market only involves a waiting period of 30 days.
The longer the waiting period, the longer the guarantee will be, which is no small matter for consumers.
To sum up the full text, AIA is relatively strong, but the performance of their popular product AIA Guardian Baby 202 1 is not very bright.
Although this product can specifically protect leukemia, there are many requirements. It is not easy to reimburse after buying it. Unless you have overseas medical needs, I suggest you buy ordinary million medical insurance ~
Parents who want to protect their children from leukemia need not worry. There are still many good medical insurance options on the market. Sister Xue also selected several products here. Interested friends may wish to have a look:
The latest 10 million medical insurance rankings are freshly released! 》
Write it at the end
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