After reading it, you will know the status of Kunlun health and critical illness insurance!
In 20 17, the China Insurance Regulatory Commission issued an inquiry letter for the first time, starting with Kunlun Health, so Kunlun Health was listed as a wait-and-see object by consumers. How is the company developing after three years? Let's analyze it below.
(1) company information
According to the data of regulatory indicators such as solvency adequacy ratio, operational risk and liquidity risk, the China Banking Regulatory Commission divides insurance companies into four regulatory categories: A, B, C and D..
In the comprehensive risk rating of insurance companies in the first quarter of 2020 published by China Banking Regulatory Commission, Kunlun Health Insurance was rated as Grade A, which shows that Kunlun's health risk is still low, its solvency is sufficient, and its risks in operation, strategy, reputation and liquidity are small, which can well protect users' rights and interests. So, can Kunlun Health rank in the top ten? After reading it, you will know: the latest list! Top Ten Insurance Companies in China
(2) Product information
Kunlun has many health products. I chose two kinds of analysis that more people pay attention to.
1 .kunlun health insurance 2.0
Kunlun Health Insurance 2.0 has outstanding advantages. If senile diseases such as Parkinson's disease and Alzheimer's Harmo's disease are included in China's disease insurance, 50% of the insured amount can be paid. This is very thoughtful! So whether this product is worth buying, you will know after reading it:
2. Guardian 3
First maintenance chart
& gt& gt& gt Advantages:
(1) Severe, moderate and mild diseases are fully covered, and the proportion of compensation is considerable.
This product has comprehensive protection for serious diseases, moderate diseases and mild diseases, and the protection for serious diseases is not only diverse, but also can pay up to 2 times. If you suffer from serious illness in the first 15 years after purchasing insurance, the highest compensation ratio is 150%, which is quite satisfactory.
(2) Serious illnesses are not grouped, which improves the probability of multiple payments.
Critical illness insurance can only be paid once in each group, and there is no need to group, so the probability of getting two claims will be greatly improved. Compared with many other critical illness insurances that have been paid many times, it is obvious that the critical illness protection of Guarding No.3 is more comprehensive.
& gt& gt& gt is insufficient:
Regularly bind death liability: If you choose to protect yourself until you are 70 years old, you must choose death liability.
After reading these two products, we can see that Kunlun has a healthy and cost-effective product, which not only guarantees comprehensiveness, but also takes into account the needs of consumers. Generally speaking, Kunlun Health has not been disappointing in recent years, and there are many good products that can be safely insured.