Recently, senior sister found that many friends are asking, is Pacific Life Company good or bad? Is the life critical illness insurance promoted by Jin Dian car owners cost-effective? It is said that it also covers pre-illness protection? Will it hurt to buy?
Today, the senior also took this opportunity to compare and evaluate whether China Pacific Life Insurance and its owner will suffer losses from the critical illness insurance products.
Friends who can't wait to know the answer can look at the following:
How about Pacific insurance? Is it reliable? What pits and routines are there? 》
1. Is Pacific Life Reliable?
To know whether an insurance company is reliable or not, the senior sister mainly starts from the two angles of company strength and solvency!
1, company strength
Pacific Insurance was established in 20011,with a registered capital of 8.42 billion yuan! In 2020, Pacific Life realized insurance business income of 265,438 yuan+0,654 yuan and 38 yuan+0,952 million yuan; Total assets reached 654.38+484 million yuan; The operating profit was 25.875 billion yuan, a year-on-year increase of 65,438+06.7%!
In addition, by the end of 2020, Pacific Life has more than 2,800 branches in China, with more than 40,000 employees and more than 700,000 salesmen.
This dazzling figure has to make the senior sister exclaim: the strength is beyond doubt!
2. Solvency
First of all, solvency is the ability that insurance companies should have at any time to bear all contractual responsibilities.
This is equivalent to solvency, which shows the ability of an insurance company to "repay money".
If you want to judge whether this insurance company is reliable, then an important criterion is to see whether the solvency of the insurance company is up to standard!
According to the current Regulations on the Solvency Management of Insurance Companies, an insurance company must meet three regulatory requirements at the same time to be a real solvency company: its core solvency is above 50%, its comprehensive solvency is above 100%, and its comprehensive risk rating is above B.
With this indicator, we can refer to the solvency data of Pacific Life in the third quarter of 2022. Let's have a look!
According to the data, the comprehensive solvency adequacy ratio of Pacific Life is as high as 143% > 50%, the core solvency adequacy ratio is 24 1% > 100%, and the comprehensive risk rating result is AA.
This shows that the solvency of Pacific Life is very good and it is a company with reliable solvency. If customers buy insurance from this company, they don't have to worry about losing money all the time.
In fact, there are other means to judge whether an insurance company is reliable. If you want to know, take a look at this article:
"What should we pay attention to when we pay attention to insurance companies? 》
Without further ado, let's focus on this critical illness insurance in Jin Dian, Pacific, and see if this company's critical illness insurance protection is rich!
2. What is the life critical illness insurance coverage of Jin Dian in the Pacific?
As usual, let's take a look at the product protection map first!
Pacific Jin Dian Life critical illness insurance
As shown in the above figure, Jin Dian's life-long critical illness insurance is a single payment type of critical illness insurance. The basic protection covers serious illness+mild illness+pre-illness protection, additional death protection and adult-specific serious illness protection. Moreover, the insured can be exempted from minor illness, and a variety of serious diseases can be compensated.
Let's introduce its guarantee:
1 provides a novel guarantee for premonitory diseases, but it lacks the basic guarantee for chronic diseases.
Pacific Jin Dian added pre-illness insurance to his life, covering six pre-illness insurance, including pancreatic intraductal papilloma (surgery), and paid 65,438+00% of the basic insurance, with a maximum of 65,438+0 times.
The prominent feature of premonitory disease is that the condition is mild and reversible, and the prevention and treatment and prognosis are good, that is, it belongs to a stage before mild illness, that is, before mild illness, but it can not meet the standard of mild illness. If the patient is diagnosed with premonition at an early stage, he can get a sum of compensation, which can be used for early treatment and health management, and the possibility of recovery will be improved, and the deterioration of the disease will stop and develop towards the degree of major diseases!
Some popular critical illness insurance products on the market, such as Kanghuibao flagship version 2.0, also provide pre-illness protection, covering 20 pre-illness diseases, paying 15% of the insured amount!
Therefore, it is still very powerful for Pacific Jin Dian to set up pre-illness protection in his life.
However, we can also interpret it as a comprehensive critical illness insurance. The basic elements of protection are critical illness+moderate illness+minor illness, so as to take care of all aspects of consumers.
Although Pacific Jin Dian Life has prepared pre-illness insurance for users, it does not have the most basic and important middle illness insurance, which is really bad for the insured.
2. The compensation for specific serious illness is high, but the basic guarantee compensation is not high.
In terms of disease protection, Jin Dian Life has set up additional claims protection for adults with certain serious illnesses. If the adult with a specific serious illness specified in the contract is diagnosed for the first time and meets the claim conditions, the compensation amount will be increased by 100%, which means that it can be doubled at most! This guarantee is still very satisfactory!
However, there is nothing special about life in Jin Dian when setting up protection against serious and minor diseases:
Serious illness: 120 kinds of serious illness protection, 100% of the insured amount, the highest payment 1 time;
Mild illness protection: cover 60 kinds of mild illness, pay 20% of the insured amount, and pay up to 5 times.
Compared with the protection of other critical illness insurance on the market, there is nothing brilliant about the protection of this serious illness!
We randomly selected one of many products, such as Darwin No.5 Huan's new version of critical illness insurance: 65,438+000% protection for critical illness and 30% basic protection for mild illness. Not only that, it also provides additional claims protection for people of a certain age: if you are diagnosed with serious illness or mild illness for the first time before the age of 60, you can pay an additional 80% or 65,438+00% respectively!
After comparison, which kind of critical illness insurance will be better, I believe everyone has their own answer. ...
On the whole, although China Pacific Life's comprehensive strength such as company background and solvency can not be underestimated, its family's boosting critical illness insurance, namely Jin Dian Life's critical illness insurance, does not have any bright spots.
If a friend is going to buy this product, you'd better think it over carefully and make a comparison before choosing!
Summary:
Speaking of which, to be honest, we consumers choose insurance. As for how insurance companies don't have to worry, to be honest, the first thing is to see whether insurance products can meet our own actual situation and whether the protection provided to us is true and comprehensive.
Take the above-mentioned Jin Dian Life's critical illness insurance products as an example, the protection is not very strong. If you want to find a man with comprehensive security, strong security and high cost performance, then let go to choose other critical illness insurance and the products that suit you best.
If a friend doesn't know much about the good critical illness insurance in the market, I suggest reading this content first. Sister Xue specially summed it up for everyone to ensure that there is one suitable for you!
"Top Ten Hot Critical Illness Insurance Inventory Worth Buying! 》
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