Recently, a friend said that considering between two insurance companies-Fosun United and Taiping Life Insurance, I don't know which one is more suitable.
In today's article, Senior Sister will tell you specifically: What about Fosun United and Taiping Life Insurance? See which insurance company is stronger? Compare which company's products are more cost-effective?
Before reading the article, let's take a look at what we need to pay attention to when choosing an insurance company.
"What should we pay attention to when we pay attention to insurance companies? 》
1. What are the advantages of Fosun United and Taiping Life Insurance Company?
Mainly around the strength of Fosun United and Taiping Life Insurance Company, I will discuss it in depth today.
1. Company background
Fosun United Health Insurance Co., Ltd. started business on 20 17 19 10, and its legal representative was Zeng Mingguang.
The registered capital of the company is RMB 500 million, mainly engaged in health insurance business.
Shareholder information is as follows:
At present, according to big data statistics, Taiping Life Insurance Co., Ltd. belongs to the sixth national life insurance company in China.
The company has a long history, which can be traced back to Taiping Fire and Water Insurance Company established by 1929. In 200 1 10, China Taiping Group Company launched "Taiping Life Insurance", and once again undertook domestic life insurance business, mainly covering medical care, pension, children's education and accident insurance.
I have to say that these two companies are really neck and neck!
Now let's further introduce the company's solvency.
2. Solvency
If we want to measure the financial situation of an insurance company, the basic index that must be considered is solvency, that is, the insurer's ability to compensate for debts.
The relevant standards stipulated by the CBRC are: the core solvency adequacy ratio is not less than 50%; The comprehensive solvency adequacy ratio is not less than100%; It can basically be called the passing line of solvency.
Core solvency adequacy ratio: refers to the ratio of core capital to minimum capital, which can measure the adequacy of high-quality capital of insurance companies.
Comprehensive solvency adequacy ratio: refers to the ratio of actual capital to minimum capital, which can measure the overall adequacy of insurance companies. Let's take a look at the solvency report of Fosun United in the third quarter of 2022:
The solvency report for the third quarter of 2022 shows that the core solvency adequacy ratio of Fosun United Health Insurance Co., Ltd. is 68.05%, and the comprehensive solvency adequacy ratio is 136.0 1%. In the second quarter of 2022, the comprehensive risk rating was Grade B..
It can be seen that all indicators of Fosun United Health Insurance Co., Ltd. have perfectly exceeded the standard line in China Banking and Insurance Regulatory Commission, China, which is really excellent.
Now let's study the peaceful life together:
It can be understood that the solvency report for the third quarter of 2022 shows that the core solvency adequacy ratio of Taiping Life Insurance is 103. 13%, and the comprehensive solvency adequacy ratio is 206.25%. In the second quarter of 2022, the comprehensive risk rating was Grade A..
In a word, both Fosun United and Taiping Life Insurance are outstanding in company background and solvency ~
So are the insurance products of these two companies really cost-effective? Next, the senior sister will take you to know!
2. What about the products of Fosun United and Taiping Life Insurance?
Senior sisters chose a popular critical illness insurance from Fosun United and Taiping Life Insurance, namely: Fosun United -A Mu Tong 1 and Taiping Life Insurance-Taiping Fulu Shunxi, and made a comparison.
Let's study the safety responsibility comparison chart with senior sister:
According to the safety responsibility comparison chart, we can clearly feel that the safety of Atom Mu 1 is richer than that of Taiping Fulu Shunxi.
Then, isn't a Mu Tong 1 better? Senior according to these points, give you a test and evaluation:
1. Insurance rules
A Mu Tong 1 Like the guarantee period of Taiping Fulu Shunxi, it is a lifetime guarantee, and the waiting period is the same, which is 90 days.
However, the age limit for Taiping Fulu Shunxi is very small, from 28 days to 65 years old, and everyone can choose.
Therefore, in terms of insurance rules, Taiping Fulu is slightly better than Shun Xi.
As far as an insurance product is concerned, what we need to pay attention to is its protection content. Let's discuss the protection content of these two products with our senior sister!
2. Basic guarantee
A bucket of wood. 1 The serious illness, light illness and serious illness are included in its coverage. If the insured is diagnosed as serious illness before he is 50 years old and within 15 policy years, he will also pay 100% of the insured amount. After calculation, the insured can get double the insured amount, which is really excellent!
However, Taiping Fulu Shunxi only provides consumers with protection for serious illness and mild illness. Although it also provides additional compensation for serious diseases, only 12 kinds of high-cost serious diseases have this guarantee.
At the same time, for this product of Taiping Fulu Shunxi, there is a lack of Chinese medicine protection module.
It should be understood that many major diseases are gradually developed from Chinese medicine.
Moreover, the treatment cost of Chinese medicine is not very low, which is not a small expenditure for ordinary families.
In terms of critical illness insurance, most products on the market now have middle illness protection, and the insured can get a sum of insurance money in time after being diagnosed with middle illness to prevent the illness from getting worse.
Comparatively speaking, Taiping Fulu Shunxi is slightly worse in this respect!
3. Other guarantees
A Mu Tong 1 In addition to the most basic protection, there are special disease protection, secondary compensation for cancer, stroke care, secondary compensation for cardiovascular and cerebrovascular diseases, etc. , and very rich in death protection, specific drugs for serious diseases, and medical treatment for nail cancer.
For the insured who buys insurance, it is very important to have the products of cancer secondary compensation, stroke care and cardiovascular and cerebrovascular secondary compensation.
According to the above statistics, the recurrence rate and metastasis rate of cancer are not low, and the recurrence rate or metastasis rate will generally exceed 90% after 5 years of operation. Stroke patients usually have no ability to take care of themselves, and nursing expenses also cost a lot of money. Taiping Fulu Shunxi has death protection, but it lacks secondary compensation for cancer, stroke care, cardiovascular and cerebrovascular diseases.
In this contrast, the performance of a Mu Tong 1 is really very good!
In a word, although the critical illness insurance of Mu Tong 1 is not as wide as the protection of Taiping Fulu Shunxi, the protection is much more favorable than Taiping Fulu Shunxi!
For friends who are looking for more comprehensive and practical insurance, Senior Sister still suggests comparing other products. Senior sister has arranged a lot of critical illness insurance with great value for money and thick protection. You can choose the best one here:
"Top Ten Hot Critical Illness Insurance Inventory Worth Buying! 》
Third, the summary of the senior sister
In short, from the company background and solvency, Fosun United and Taiping Life Insurance are very good choices, which are worthy of everyone's trust.
Comparing Taiping Fulu Shunxi Critical Illness Insurance under Taiping Life Insurance and astro mu 1 Critical Illness Insurance under Fosun United, we can see that it will be inferior.
Sister Xue's friendly reminder: when you choose insurance products, you need to pay attention to the products themselves, not the insurance companies.
After all, insurance companies also make claims according to contracts. If it is specified in the contract, they will definitely get compensation, and they will not indirectly think that the compensation will be different just because they are different companies.
Therefore, senior sister shared an article with you to teach you some ways to identify insurance contracts.
Teach you to identify those pits in the insurance contract! 》
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.
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