Among the top 500 world brands in 20 18, Metropolitan Insurance Company ranks 300th, which shows that it is still very powerful. But just looking at this ranking is not enough. Next, I will analyze metropolitan insurance companies from solvency, reputation and product situation.
(1) solvency
According to statistics, by the end of 20 18 1 1, the metropolis had settled more than 20,000 insurance policies. What is the solvency level of metropolis? This list gives you the answer:
(2) Word of mouth
In order to settle claims more efficiently, MetLife has launched an automated platform as customer service. Consumers can help themselves with renewal, claim settlement, hotline consultation and other services, which makes it more time-saving for consumers to handle business and has been recognized by the industry and consumers.
(3) Product information
Metlife's products include sincere care, hospitalization allowance, medical insurance, accident and major illness protection plan, health and lifelong illness insurance plan and self-driving accident insurance.
Choose a more representative health care life-long illness insurance plan for analysis;
Advantages:
The life-long illness insurance plan for healthy old-age pension can provide additional coverage to 65 years old, 75 years old, 85 years old and life-long, and it is flexible in terms of insurance matching and coverage period. The responsibility of the product is independent, and other responsibilities are effective regardless of whether the serious illness is compensated.
Insufficient:
(1) The grouping of serious diseases is unreasonable.
Malignant tumors are not grouped separately, but are grouped with liver and kidney related diseases. Once such groups pay for malignant tumors, the diseases in the same group lose the opportunity to claim compensation, and there are too few groups, so the probability of multiple claims is very low.
(2) Repeated payment for minor illnesses is disappointing.
It is rare to see minor illnesses grouped in critical illness insurance, and there are intervals for healthy and free minor illnesses. Generally speaking, the concept of interval will only exist in the second payment of cancer, which is very thoughtless.
(3) the price is more expensive
The policy covers serious illness, minor illness, exemption and main insurance. 30-year-old female, the insured amount is 500,000 yuan. The annual premium for a healthy life is 1 1000 yuan, while the annual premium for a leisure life is 20 19, which is only 6,000 yuan. The leisure life guarantee of 2,065,438+09 is more comprehensive than the healthy life guarantee.
By comparison, we can see that the price of life-long critical illness insurance plan is slightly higher than other popular critical illness insurance.
Summary: The strength of metropolis should not be underestimated, and its reputation and solvency are commendable. However, the products in metropolis are expensive, so the cost performance is not high. If you pursue the insurance of this company, the premium may be higher.