Its products, such as Sunshine I-life Critical Illness Insurance (exclusive to the Internet), Sunshine Wheat Full PRO Term Life Insurance, Sunshine Life Insurance, etc., have high cost performance.
So today, Senior Sister will introduce Sunshine Life Insurance to everyone and see if the critical illness insurance products of Sunshine Life Insurance are worth buying!
This article can help you understand the products of Sunshine Life in advance. Let's take a look at those who don't know:
Comparing and evaluating Sunshine Life Insurance and Huaxia Life Insurance, which product plays better? 》
1. How is life in the sunshine? Is it reliable?
1, background strength
Sunshine Life Insurance was established on June 5438+February 65438+February 07, 2007. It is a life insurance company under Sunshine Insurance Group with a registered capital of183.4 billion yuan. We should know that a basic requirement for the establishment of an insurance company is to have a registered paid-in capital of at least 200 million yuan, so every existing insurance company in China is not that small.
With the continuous development, Sunshine Life has opened 33 secondary institutions and nearly 65,438+0,000 third-and fourth-tier branches. In 2020, the income from insurance business will reach 5.5104 million yuan, a year-on-year increase of 14.50%. Among the 66 unlisted life insurance companies, Sunshine Life ranked second in net profit for two consecutive years and sixth in year-on-year growth.
It can be seen here that Sunshine Life Insurance not only has strong economic strength, but also develops rapidly in the industry. As consumers, we are more concerned about whether this company can afford it. Of course, this has to do with the solvency of the company.
2. Solvency
The CIRC stipulates that as a qualified insurance company, the comprehensive solvency adequacy ratio shall not be less than 65,438+000%, and the core solvency adequacy ratio shall not be less than 50%. It also requires a comprehensive risk rating, which must be at Grade B or above.
According to this chart, we can see that Sunshine Life's solvency far exceeds the prescribed passing line, and the risks we face are still relatively small, so friends don't have to worry so much.
On the other hand, this insurance company is very good, but it doesn't mean that its products are completely worthy of our trust. Therefore, Senior Sister gave her friends a test of Darwin Easy Core Edition 202 1, the mainstream critical illness insurance product of their company. Let's take a look at the product form of this critical illness insurance.
2. Is Darwin Easy Core Edition 202 1 good, and is it worth buying?
That's all, please see the picture:
As can be seen from the figure, Darwin Easy Core Edition 202 1 is a critical illness insurance product with single payment for critical illness, which is mainly signed for people under 50 years old, so the guarantee period can only be lifelong. On the whole, this product has only mild and moderate illness protection and serious illness protection, and the basic protection is more comprehensive.
So is this product worth our insurance? Let's look at its advantages and disadvantages.
1, advantages
(1) Loose underwriting
So, let's see what makes it easier for everyone to buy this product, which is the easy-core version that everyone often says:
For patients with hypertension, diabetes and thyroid nodules, the pictures tell us that they may buy Darwin's easy nucleus version 202 1. We should be clear that most insurance companies will not allow patients with hypertension, diabetes and thyroid nodules to participate in insurance purchase, and such an insurance threshold will make our patients blessed.
If you want to know more about the insurance details of Darwin Easy Core Edition 202 1, please see this article:
"Sunshine Darwin easy nuclear version 202 1 is critical illness insurance worth buying? Read this article first! 》
2. Deficiencies
(1) The extra compensation for serious illness is omitted, and the protection is insufficient.
At present, the extra payment for serious illness has become the standard of excellent critical illness insurance, and the payment for serious illness is only once, and the proportion is only 100% Darwin's easy-core version 202 1. Therefore, the protection for serious illness is obviously insufficient.
(2) The guarantee responsibility provided is single.
Darwin's easy nuclear version 202 1 has only mild, moderate and severe diseases as a whole, plus death protection. Even the basic optional responsibilities such as secondary compensation for cancer, cardiovascular and cerebrovascular diseases or secondary compensation for special diseases of children/adults/the elderly are not provided, and the guarantee responsibility is extremely single.
(3) the waiting time is too long
180 days is the waiting period of Darwin Easy Core Edition 202 1. In case the insured is in danger while waiting, the insurance company will not be liable for compensation.
Many excellent critical illness insurance products only have a 90-day period. By comparison, it is found that the waiting period of Darwin Easy Core Edition 202 1 is not as good as other excellent critical illness insurance, which is unfair to consumers.
To sum up, Darwin Easy Core Edition 202 1 is not cost-effective, and the guarantee content is missing, so it is not worth buying.
The biggest highlight of Darwinian Easy Core Edition 202 1 is the loose underwriting, which is an opportunity for consumers who are already terminally ill. But the guarantee content of this product is not rich enough. Apart from the basic protection, there is no additional protection at all.
If you want to buy more cost-effective critical illness insurance, you can consider other products on the market. The following is a cost-effective list of critical illness insurance for your reference before buying:
"Top Ten Hot Critical Illness Insurance Inventory Worth Buying! 》
Write it at the end
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