No, recently, many friends asked Senior Sister, Is China People's Insurance OK? Is the strength credible?
When I have time, I will give you a good evaluation of PICC China, an insurance company.
Before we begin, you may want to read the following articles to learn about how to check insurance companies:
"What should we pay attention to when we pay attention to insurance companies? 》
First of all, the strength of China PICC has risen from the bottom.
1, company background
People's Insurance Company of China was established on 1949 and 10/0 on October 20th. It has the reputation of "the eldest son of new China insurance industry" and is the pioneer and founder of new China insurance industry.
It ranks among the top 500 in the world, belongs to a central financial enterprise, and has also become one of the largest insurance companies in the world.
The company has a registered capital of over 42.4 billion yuan and provides comprehensive insurance (financial) services. There are more than ten professional subsidiaries around, such as PICC P&C Insurance, PICC Assets, PICC Health and so on. The business scope covers property insurance, life insurance, reinsurance, asset management, real estate investment and alternative investment, financial technology and other fields.
At this point, the background of PICC China should also surprise everyone. I really want to give my big brother a gift, right ~
To sum up, it is obvious that China PICC has the strength and influence of leverage!
However, China Banking and Insurance Regulatory Commission's regulations on the solvency of insurance companies cannot be changed. So, let's take a look.
2. Solvency
Consumers are most concerned about whether this insurance company has solvency, which depends on its dynamic indicators. The higher the general solvency adequacy ratio, the lower the risk that insurance companies will face.
According to the regulations of China Banking and Insurance Regulatory Commission, meeting the compliance index means that the solvency of this insurance company is still good in all aspects, so as long as the core solvency ratio is ≥50% and the comprehensive solvency adequacy ratio is ≥ 100%, it can reach the standard.
Is China PICC solvent enough? Let's take a look at the latest data:
The latest solvency data of PICC China is core solvency adequacy ratio 199.6%, and comprehensive solvency adequacy ratio is 262.2%.
Everyone is most concerned about the solvency of insurance companies. China PICC did it, not only reaching the standard, but also far exceeding the standard level. Now you don't have to worry. PICC P&C has enough money, so paying is not a problem ~
3. Claims settlement ability
No matter in which insurance, insurance compensation is the place that consumers are most concerned about, which determines whether our protection is implemented.
According to the latest data, in 2020, China PICC Life Insurance accepted 3,346,600 claims, with the amount of claims reaching 6,983 million yuan, and the number of claimants reaching1472,300, with the odds equal to 99%!
Not only that, China PICC has also prepared these special compensation services for everyone:
Developed outlets and network technology departments, China People's Insurance Company has entrusted, to strive to achieve online and offline efficient claims, to provide consumers with real and caring claims services.
Through the analysis of the above contents, we can see that PICC China is obviously a powerful, capable and efficient insurance company. In general, it is two words: reliable! Very trustworthy.
Whether the insurance company is reliable or not can't decide whether the product is reliable or not. Sister Xue will give you a review today-PICC, a very popular product in China, to see if its best-selling product is really powerful!
Second, what about this popular China PICC product? One-click secret!
Not much to say, look at the protection map first:
According to the content of the picture, it is not difficult to find that PICC Shi Sheng's worry-free and high-risk accident insurance also includes accidental death/disability, accidental injury medical treatment, emergency death (including sudden death) protection and aviation accident protection. Generally speaking, the content of protection is comprehensive.
So what are the characteristics of this insurance? Senior now carefully explain to you:
1, breathtaking ultra-high insurance coverage
PICC Shi Sheng Worry-Free and High Insurance Accident Insurance can basically cover 2 million! This is excellent in the market.
You know, most accident insurance coverage on the market is only a few hundred thousand, which is far from enough for many people. After all, everyone can earn hundreds of thousands of dollars or more.
Therefore, if most people want to achieve high insurance coverage, they need to buy a lot of copies, which is a bit difficult.
As long as you can buy a copy of this product, you can get enough protection, which is really worry-free, time-saving and labor-saving for people in the workplace. It's really good!
Then, when buying insurance, how should the insurance amount be chosen properly? The unclear suggestion is to read this article:
How much insurance is appropriate? Talk about the doorway inside.
2. Excellent accident medical insurance
PICC Shi Sheng Worry-Free High Accident Insurance provides 20,000 yuan for accidental injury, and the deductible is only 100.
In this way, the expenses that can be reimbursed include burns, bandaging, etc. , saving the expenses caused by accidental injuries ~
3, including sudden death protection
PICC Shi Sheng Worry-Free Accident Insurance includes sudden death protection, and the threshold is very low.
For this guarantee, it is stipulated in the clause: from the onset, if the patient unfortunately dies within three days, he can get compensation of 500,000 yuan.
However, for the compensation related to sudden death, most accident insurance in the market must die within 6 hours of sudden illness to get compensation, but there is no way to get compensation if it exceeds 1 hour.
In contrast, rich countries have 2.75 extra days, so consumers are more likely to get claims.
Due to space reasons, I have compiled a more detailed evaluation of the prosperous times in the following article. The details can be poked:
Fighter's accident insurance in PICC, I am very moved to see this super high insurance coverage! 》
However, when you haven't started to insure, you should pay more attention. Its age and occupation requirements are strict. Only people aged 18 to 55 who are engaged in 1-2 occupations have the opportunity to buy it.
But don't worry if you can't buy it. There are many accident insurance products with good cost performance on the market, so you can choose them at will.
Summary:
China People's Insurance Company has a strong background and strength, so you can choose its products with confidence.
In addition, PICC Shi Sheng Worry-Free Accident Insurance is also an excellent product, so don't miss it!
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
If the above content has not solved your problem, you can also come to the official account of WeChat to learn to bully and say that insurance consulting me;
I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
WeChat official account: Xueba said that insurance costs less, buy the right insurance!