There are two insurance companies with similar names, Pacific Insurance and Taiping Insurance. Many consumers said that they were stupid and confused.
Today, Dad will learn about Pacific Insurance with you. I hope the following answer will help you: How about Pacific Insurance? Is it reliable?
In fact, this is an insurance company with complete insurance licenses such as life insurance, property insurance and health insurance. This company is not small. Moreover, China Pacific Insurance has been selected into the Fortune Global 500 for eight consecutive years, ranking 220th on 20 18.
However, in April this year, Mr. Yi, a resident of Pujiang, was diagnosed with cancer. Remembering that I bought a Pacific insurance, I went to the company to settle claims, but I was accused of defrauding insurance.
So what is the ins and outs of this matter? Are the products of this company worth paying for?
Learn more about Pacific Insurance.
Analysis of all types of Pacific insurance
What's worth noting about Pacific Insurance and Online Insurance?
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Learn more about Pacific Insurance.
1, cancer claims can't be helped, and it's called fraud.
In fact, Yu Xiansheng acquired Pacific Jinyou Life Insurance. This product will be introduced below. He said that his agent had asked about his health.
Yu Xiansheng told the hospital about stomach bleeding and high blood pressure, but the agent said it didn't matter, and the insurance company would investigate the medical records when making claims. Yu Xiansheng also told reporters that he had nodules in his lungs two years ago, and he would have regular checkups at ordinary times. I also went to the hospital in February, and the doctor diagnosed it as invasive adenocarcinoma (upper lobe of left lung), so I want to make a claim.
According to the insurance company, Yu Xiansheng didn't tell the truth about the nodule, and only chose hospitalization and stomach condition as health advice when taking out insurance. Has he had X-rays and CT scans in the past five years? He has chosenNo ..
Some time ago, Yu Xiansheng hoped to get a claim, and the agent made an inquiry and registration for him. Whether you have been hospitalized or had a chest CT examination within five years is "None, the outpatient examination is normal, and I forgot specifically". Yu Xiansheng's statement is: I was told about stomach bleeding, high blood pressure, etc. At that time, the agent came to the door with a computer and didn't see the insurance policy; Ask for registration, ask him if he has done CT, and say yes.
Finally, due to the error between the record and the actual situation, the insurance company extended the underwriting.
2. Who is responsible for being refused compensation?
After a brief analysis, Dad said that the two sides disagreed, but one thing is certain: Yu Xiansheng had a history of pulmonary nodules, and later he suffered from invasive adenocarcinoma (in the upper lobe of the left lung), and did not give any health information about the nodules.
From Yu Xiansheng's point of view, it is obvious that he is not familiar with insurance products, or even completely unclear about what needs to be truthfully informed, and he is just brushed off by the agent's simple questions.
From the insurance company's point of view, Yu Xiansheng didn't tell the truth about pulmonary nodules. His cancer was related to his medical history, so it was understandable to refuse to pay.
Then the problem is obvious. The problem lies with the agent and Yu Xiansheng in the sales process.
Yu Xiansheng doesn't know the product, so he will answer any agent he asks. The agent is unprofessional, even in order to sign the bill, some inquiry and communication links are omitted. The current situation of agency is fierce: I have a friend who didn't contact me for many years until Ta started selling insurance. ...
In the later inquiry and registration, it was also because of the problem between the broker and Yu Xiansheng that the two sides had different opinions.
As a result, Yu Xiansheng did not tell the truth and was refused compensation.
Its realization is that many people feel that it is not necessary to know the product when buying insurance, and it is enough to have an agent to help them settle claims.
Dad can tell you responsibly that no matter where you buy insurance, you should be familiar with your products and health advice.
An understanding of insurance is indispensable. It doesn't mean that you can sit back and relax with an agent. Just like Yu Xiansheng's claim, the agent really can't help.
Let's learn more about Pacific Insurance.
Next, everyone is more concerned. Is Pacific insurance as good as the agent population? Let's first understand some characteristics of Pacific insurance.
Pacific Insurance Company, headquartered in Shanghai, as a comprehensive financial insurance group, has its own advantages:
Brand influence: Offline insurance companies actually do the same, with large advertising investment and millions of agents promoting it, so many people have heard of Pacific Insurance.
There are many outlets: Pacific Life Insurance Company (subsidiary) alone has more than 2,800 branches, and many domestic third-and fourth-tier cities can find insurance places offline.
Rich types of insurance: In addition to the health insurance that we often contact, Pacific products also include auto insurance, travel insurance, family property insurance and so on.
Similar to other large insurance companies, the development of Pacific insurance products is more inclined to return and dividend products, with high offline commission, high operating costs and high product prices.
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Analysis of all types of Pacific insurance
Dad has always stressed that the role of insurance is protection.
Among all kinds of insurance, scientifically matching the four major insurance types can build a relatively perfect security system for individuals and families. These four types of insurance are: million medical insurance, accident insurance, life insurance and critical illness insurance.
Dad will analyze the products of Pacific company according to the four major types of insurance.
1, Pacific critical illness insurance analysis
Dad screened the Pacific critical illness insurance on the market, and the following models are more representative:
Taibao Life Insurance Golden Lady Shou
Taibao Life Insurance Jin Nuo Youxiang
Taibao Life Insurance Jinyou Life Insurance 20 18
Taibao Life Insurance Golden Lady Shoushou Children's Edition
Taibao property insurance love learning and worry-free
Taibao Life Insurance Children Super Insurance 3.0
Please click to enter a picture description.
(Pacific critical illness insurance Assessment)
First come to the conclusion:
If we pursue comprehensive protection: Taibao Life Insurance Jin Fu Life Insurance is the latest product, which provides comprehensive protection for adults and the elderly, but it needs to increase the exemption of the insured.
If you are more inclined to pay dividends: Taibao Life Insurance Jinyou Life Insurance (A 20 18) has dividends, but the premium is relatively high, and my father has not recommended financial critical illness insurance: if you are sick, you should save money. Is the return insurance worth buying?
If you want to buy it for your children, the children's edition of Taibao Life Insurance includes special diseases for children, and the protection is more comprehensive; Taibao Property Insurance is a critical illness insurance of 1 year, suitable for friends with insufficient budget. Taibao Life Insurance Children's Super Insurance 3.0 is a critical illness insurance that is returned regularly.
About these serious diseases, my father chose several representative simple analyses:
Taibao Life Insurance Golden Lady Shou
This product has two characteristics:
After (1)0- 17, 18-60, 6 1 age, there will be different additional guarantees;
(2) It is divided into children's edition and adult edition. After the insured 18 years old, the children's version can be switched to the adult version and enjoy different additional guarantees.
There are additional insurance premiums for adult disability:
18-60 years old, disabled due to serious illness, unable to independently complete three or more of the six basic daily activities, can pay extra 100% of the insured amount. Special diseases of the elderly 10, extra insurance money:
6 1 diagnosed after age 10 kinds of senile specific diseases, extra payment 100% insured amount. On the whole, Jin Fu's life security is more comprehensive and innovative.
Chronic diseases are not guaranteed, and mild diseases are only guaranteed by 20%. Online insurance is basically 30%, and the price of Mrs. Kim's life is more expensive.
If you have enough budget, you must choose Pacific critical illness insurance, and you can consider this product.
Taibao life insurance benefits life.
The biggest difference with Mrs. Kim's birthday is that serious illness, death and total disability bring dividends in addition to extra insurance.
Policy dividends include annual dividends and final dividends:
The annual dividend is distributed as an increase;
The termination bonus is divided into caring bonus and special bonus, which is paid when the contract is terminated due to serious illness or death.
But the dividend is uncertain, there is no guaranteed interest rate, and the premium is 30% higher than Mrs. Kim's life, which is not worth calculating.
So again, it is not recommended that Dad choose wealth management products.
Taibao Life Insurance Children Super Insurance 3.0
This is a rewarding critical illness insurance for children.
Mainly reflected in:
Critical illness insurance coverage+paid premium;
/kloc-returned after 0/8 years old 150% premium;
Return after 30 years 150% premium.
There are also 15 kinds of children's special diseases, and 100% coverage.
However, the insurance coverage for mild diseases is only 20%, which lacks the protection for moderate diseases and also has the common problem of returning products: it is too expensive.
For consumers with insufficient budget or incomplete family insurance configuration, buying returned products is putting the cart before the horse.
Moreover, many popular products on the market are not only cheap, but also guaranteed in all aspects. If you use the saved money for simple investment or deposit interest, the income you get can often be higher than the returned premium.
About children's insurance, my father wrote before, and I want to know more about the products: a new strategy for children's critical illness insurance: Xiong Haizi's insurance, buy it right once!
Although there are many critical illness insurances in Pacific Insurance, compared with the popular online celebrity products, the cost performance is still inferior.
For example, Jialebao of Bohai Life Insurance paid 150% of the insured amount for serious illness before the age of 60, and paid 50%/55%/60% of the insured amount for medium illness in turn.
There is also Jiaduobao of Everbright Yongming, which pays 6 times for serious illness and groups cancer separately; If he suffers from serious illness and is under 50 years old 10 years before insurance, he shall pay 120% of the insured amount.
More products were also evaluated in detail, and I learned that:
10 consumer critical illness insurance evaluation: there is always a poke at you ~
12 evaluation of savings critical illness insurance: savings critical illness insurance is getting cheaper and cheaper ~
2. Pacific Medical Insurance Assessment
At present, the competition of medical insurance in the market is fierce, the homogeneity of excellent medical insurance is serious, and the protection is actually similar. The medical insurance of Pacific Insurance is relatively few, and the protection is not very comprehensive:
Taixiang e Bao/tai healthy
Enjoy a million 20 18
(Pacific Medical Insurance Assessment)
First come to the conclusion:
If we pursue comprehensive protection: Taibao Life Insurance enjoys 1 million 20 18, including proton heavy ion therapy, medical greenway and 3 million medical insurance for serious illness, but the renewal of insurance needs to be reviewed, and the health condition may not be renewed.
If you pursue the renewal conditions: Taibao Property Insurance enjoys too many E-insurances/too healthy renewal without review, the disadvantage is that the protection is not sufficient.
Compared with online products, the difference is not a little.
For example, Zhongan enjoys E-Health 20 19, which can be renewed as long as it doesn't stop selling, with the most value-added services and full coverage.
For those who love the products of big companies, Ping An E Life Insurance Renewal Edition guarantees that the insurance will be renewed for 6 years, and the past diseases that the insured has informed and insured according to the standard body can also be compensated. You can learn about this dad's evaluation: 20 19 online celebrity million medical insurance evaluation, which Ta is more suitable for you?
3. Pacific accident insurance analysis
Because accidents are the main risk, there is generally no requirement for physical condition to insure accident insurance.
Taibao property insurance protects the body.
Taibao Property Insurance enjoys comprehensive accident insurance.
Taibao Property Insurance enjoys worry-free comprehensive accident insurance.
Taibao Allianz Personal Accident Protection
Taibao property insurance without micro-treasure accident insurance
Taibao Property Insurance is filial.
Taibao property insurance Taixiang senior accident insurance
Taibao Property Insurance enjoys Xue Ping Insurance too much.
Please click to enter a picture description.
(Pacific Accident Insurance Assessment)
First come to the conclusion:
If the pursuit of cost performance: CPIC has the lowest property insurance rate, including 500,000 sudden death insurance and 6,543.8+10,000 accidental medical insurance, but disability protection needs to be added.
If you want to buy it for your children, Taibao Property Insurance enjoys 20,000 accidental outpatient visits, 65,438+10,000 accidental hospitalizations and 65,438+10,000 critical illness insurance coverage, but the overall protection is not high.
If you want to buy it for the elderly: Taibao Property Insurance enjoys accident insurance for middle-aged and elderly people, including specific traffic accident protection. After social security, 100% will be reimbursed, but the death/total disability insurance amount is only150,000.
We can see that the price of accident insurance is not expensive, but the accident insurance in the Pacific is obviously not cost-effective and has great limitations.
So dad only chooses two modes:
Taibao property insurance protects the body.
This product is an accident insurance that requires health notification, which is relatively rare.
(Taibao Property & Casualty Health Notice)
It is also the only accident insurance in the Pacific region with sudden death protection.
In terms of security, 500,000 insurance coverage, 654.38+ 10,000 medical insurance coverage and 654.38+000% reimbursement are also quite satisfactory.
However, disability protection requires additional options, which means adding money, and the cost performance is really not very high.
If you have to choose Pacific accident insurance, you can also consider this one.
Taibao Property Insurance enjoys comprehensive accident insurance.
If the feature of physical protection is sudden death protection, then the feature of this product is that it can protect traffic accidents.
However, only 1-3 can be insured, and the premium of 3 occupations is more than 60% higher than that of 1-2, and the premium of 1-2 is about 50% higher than that of personal protection.
In this case, it is more cost-effective to protect your body.
If you want to know more products, there are still many excellent accident insurances on the market, such as:
Shanghai Insurance's Burt's Bee Comprehensive Accident Insurance (Beyond Edition) provides 50,000 yuan for accidental medical insurance, hospitalization allowance of 50 yuan/day, and annual premium of only 158 yuan.
There are also female-only Zhongan women who enjoy millions of accident insurance, with the insured amount of 1 10,000, sudden death of 500,000, and optional traffic accidents of 5 million. The annual premium is only 240 yuan. Want to know more about cost-effective accident insurance evaluation, poke: cost-effective accident insurance is like this.
4. Pacific term life insurance assessment
There are not many options for term life insurance. Let's see:
Taibao Life Insurance loves to be together.
(Pacific Term Life Insurance Assessment)
Taibao life insurance is characterized by differentiated pricing according to smoking and physical health, and the insured amount can be as high as 25 million.
This product has been launched for more than a year, and there are not many advantages compared with similar products newly launched on the market.
For example, Sunshine Life's I insurance score can be increased, the premium is calculated according to the age at the time of insurance, and the payment and guarantee period are flexible.
There is also the love of Three Gorges Life Insurance, with 50% extra insurance for those who died before the age of 465,438+0, and pregnant women can also be insured. Dad had an evaluation not long ago and wanted to know more about the fixed life stamp: term life insurance has been reduced again!
03
What's worth noting about Pacific Insurance and Online Insurance?
Similar to the traditional insurance industry, Pacific Insurance mainly focuses on offline insurance, which generally has the following characteristics:
Strong sense of trust: offline sales are mostly recommended by familiar agents, and trust is attached to interpersonal relationships. Especially for some large transactions, talking face to face with a special person makes consumers feel more at ease.
The quality of employees is uneven: the threshold of insurance industry is low, the quality of team members is uneven, and misleading sales sometimes occur. For example, when Mr. Wang refused to pay compensation, the agent did not do a good job in sales, which led to all kinds of unnecessary troubles.
Less choice of products: take critical illness insurance as an example. At present, the critical illness insurance of offline channels is basically life-long savings-based critical illness insurance, and many of them are with dividends. There are not many product choices, and the income is not high.
The characteristics of online insurance are:
Diversified product selection: Internet information is relatively transparent, and insurance companies often need to work hard on products to compete for the market, while Internet sales save a lot of operating costs. Generally, the best products are sold online.
Convenient and fast insurance: Compared with offline insurance, online insurance can save manpower and material resources, and insurance, surrender, claims and other businesses are convenient, and the whole process is completed online without going to the branch in person.
The insured must have certain insurance knowledge: there is no special person to guide online insurance, so consumers have certain expectations for their actual needs and certain requirements for information interpretation ability.
Afraid of stepping on the pit? It's very simple, just read more articles by dad ~ A fierce poke about online insurance: Is it reliable to buy insurance online? Why is online insurance so cheap?
04
Write it at the end
At present, many people's understanding of insurance is still at the stage of insurance company brand and offline outlets.
But knowing more channels and products, it is easy to find that many products are not very suitable for you.
Therefore, many times when my father is writing insurance analysis, he will try to put together products from various channels that are suitable for different needs, so that everyone can have an intuitive comparison and find products that are more suitable for them.
Pacific insurance products also have their own characteristics. If you love this brand, you can consider it.
But dad is more inclined to choose products that are cost-effective and more suitable for himself according to his needs.
Another point has to be said, no matter where you apply for insurance, you must have a basic understanding of insurance. No one wants to buy an insurance policy that cannot be settled.
Know what the product can claim and where to tell the truth.