Speaking of insurance, ICBC AXA has an unshakable position in the insurance industry. Today, Senior Sister will introduce this insurance company to you and see how it performs.
Before the analysis, friends who are not familiar with critical illness insurance recommend reading this article:
"Which is better for critical illness insurance? How to buy it is cost-effective, and teach you to avoid the pit by hand."
1. Is ICBC AXA reliable?
Senior sister will introduce ICBC AXA from two aspects: the company's strength background and solvency.
1, strength background
ICBC AXA Life Insurance Co., Ltd. (hereinafter referred to as "ICBC AXA") was established on July 20 12. China Industrial and Commercial Bank, French AXA Group and China Minmetals Group are three powerful Chinese and foreign shareholders, and their headquarters are in Shanghai.
The registered capital of ICBC AXA is mainly RMB 654.38+02.505 billion. By the end of 2020, ICBC-AXA had established 65.438+09 provincial branches, 65.438+0 directly affiliated central branches and 65.438+0 asset management subsidiaries.
2. Solvency
Solvency is very important for insurance companies. In order to obtain the business qualification, an insurance company must comply with these regulations formulated by the China Banking Regulatory Commission:
The core solvency adequacy ratio should be greater than 50%, the comprehensive solvency adequacy ratio should be greater than 100%, and the risk rating should be above Grade B. ..
Let's take a look at the screenshot of ICBC AXA's latest quarterly solvency report:
It is not difficult to see from the figure that all the indicators of ICBC-AXA have exceeded the minimum standards stipulated by the CBRC, so ICBC-AXA is still very reliable.
Next, Senior Sister will evaluate AXA, the best-selling critical illness insurance product of ICBC in the future. What kind of performance will it bring us
If you don't have much time, you can click here to check the evaluation results:
"ICBC AXA Royal Exclusive Edition is full of heart! Analysis of the article "
Second, is the Royal Life Edition worth buying?
Let's take a look at the product evaluation chart of Yu Xiang's exclusive edition for life:
Generally speaking, the advantages and disadvantages of this exclusive edition are still outstanding.
Highlights of>& gt Royal Life Edition
1, short waiting time.
The shorter the waiting time, the better for the insured. At present, the waiting period of many products on the market will end in 180 days, which is actually unreasonable.
However, the waiting period of the exclusive version of the royal life needs to wait for 90 days, which can be said to be very good and worth recommending!
2. Specific tumor resection ensures intimacy.
Yu Xiang Lifetime Exclusive Edition provides specific tumor resection guarantee, with 10% coverage and 3 caps.
This kind of protection takes into account the stomach, lung, kidney and other organs 14, which is not considered by many critical illness insurance.
From this point of view, the royal exclusive life edition still has something extraordinary.
However, compared with the highlights, the shortcomings of the Royal Life Edition are more noticeable.
& gt& gt The Defects of the Exclusive Edition of A Life of Yu Xiang
1, with strict insurance conditions.
This exclusive version only allows people born between 28 days and 55 years old to be insured. Compared with the products that people aged 60 and 70 can choose on the market, the exclusive version needs to be strengthened.
Only the lifetime warranty version can be selected, and there is no periodic warranty.
Life-long products need to pay premium, which is more expensive than Baoding period, and our choices in this respect will become less.
The exclusive edition is not very intimate for friends with limited budget, and they can't choose according to their own needs and conditions when choosing the guarantee period.
In the case of critical illness insurance, is it lifelong protection or regular protection? After reading this article, you will understand:
Should critical illness insurance be guaranteed for a fixed period or for life? 》
2. There is no extra compensation for serious illness.
Yu Xiang Lifetime Exclusive Edition does not provide additional compensation for serious illness, and the compensation amount provided is only 100% of the insured amount.
Needless to say, high-quality critical illness insurance is divided into 60-year-olds to set up extra compensation, so that the insured can get more compensation and have enough money to solve the difficulties caused by the disease.
3. The secondary compensation for malignant tumor is more difficult.
Even though Yu Xiang Yisheng Exclusive Edition provides the secondary compensation for malignant tumor, it only provides the new occurrence, recurrence and metastasis of malignant tumor, but does not provide continuity. If the cancer is in a persistent state, then the secondary compensation will be completely unavailable.
In the market, this kind of guaranteed critical illness insurance usually covers these four States at the same time. In contrast, it seems a bit stingy to enjoy the exclusive version of life.
Summary: Although ICBC AXA has reached the standard, the performance of its popular product Royal Yisheng Premium Edition is not satisfactory. Its insurance conditions are harsh, it does not support additional compensation, and it is not worth buying. Sister Xue reminds everyone that you must think twice before buying.
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
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I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
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