Be careful when choosing an insurance company. Caution is not a bad thing, but we don't see the real point. The focus of buying insurance should be the product itself, not the size of the insurance company. Small-scale insurance companies can also provide protection for our personal health:
Is it better for a big company or a small company to buy insurance? 》
1. Worried that Fosun can't afford the associated expenses? Worry too much!
Although Fosun United is a "newcomer" in the insurance industry, its current total assets have exceeded 500 billion yuan! Branches are also widely distributed, covering Guangzhou, Beijing, Shanghai, Chengdu and other regions, involving asset management, insurance, industrial operation, medical care, fashion, real estate development and other fields.
If this is not enough for you to agree with the strength of Fosun United, does the online merchant bank know? Fosun is the second largest shareholder; Have you ever heard of Debon Securities? Fosun is the largest shareholder. Fosun United, with a registered capital of 500 million, is no longer a small company.
If we want to judge whether an insurance company can afford it, the key is to look at solvency and risk assessment. The following article can be used as a reference:
When we look at insurance companies, what are the solvency and risk assessment? 》
To put it bluntly, in order to better manage and supervise insurance companies, China Banking and Insurance Regulatory Commission has set the following three requirements. Only when they are fully satisfied can they be regarded as "good students" with stable operation;
The core solvency adequacy ratio is above 50%;
② The comprehensive solvency adequacy ratio is above 100%;
③ The comprehensive risk rating is Grade B or above.
Fosun United's core/comprehensive solvency in the latest quarter was 68.05% and 1.36. 0 1% respectively according to the inquiry of senior students and sisters, and its risk rating was also Grade B, with only a handful of business levels, so you can start with confidence.
This shows that we don't have to be afraid of the problem that insurance companies can't afford to pay. The latest annual claims report shows that Fosun has jointly paid 230 million yuan to nearly 50,000 consumers who provide claims services. The probability is still high, and the claim is still quick:
2. Can I buy Darwin 5 Glory Edition? Tell you the truth
We don't need to worry about claims and the strength of the company. Even if the company is strong enough to buy bad products, everyone is equally blind, so products are still the most worrying issue for everyone.
In the previous article, my senior sister also mentioned that the Darwin 5 glory version of critical illness insurance jointly owned by Fosun is the focus of recent purchases. Whether it is really worth buying or just beautiful, this confused senior will solve it for you right away. The first step is to look at the product protection diagram:
Senior sister carefully studied the glorious version of Darwin 5, only to know that its reputation is true, not only the guarantee is comprehensive, but also the guarantee responsibility is quite flexible.
1, sickness care insurance: extra compensation is free to choose.
Seeing that Darwin 5 Glory Edition only pays the basic insurance amount, the senior sister is still puzzled, saying that the high cost performance leads to the payment. I didn't know it was optional disease care insurance until later, so my friends were free to choose. Do you have to pay extra for serious, moderate and mild diseases before the age of 50 or 60?
It's great to give consumers more choices and meet the different needs of more people! In addition, after increasing the premium of disease care insurance, Darwin 5 Glory Edition has the highest single serious illness 160%, which cannot be exceeded. The highest compensation ratio of China's disease even reaches 90%, so it has to be said that its protection is very strong ~
Moreover, Darwin 5 Glory Edition is different from other critical illness insurance products that are forced to bundle extra payments. The additional compensation is increased by the insured himself, giving consumers more choices.
2. Anti-cancer is superhuman.
How to embody humanization? Darwin 5 Glory Edition set up a malignant tumor allowance. If the insured insists on treatment after one year of diagnosis, the insured can get a basic insurance amount of 40% per year for up to three years. Although there is a time limit, it is still very good.
Compared with the products on the market that can only be paid if cancer is diagnosed after 3 or 5 years, if cancer is diagnosed again after 1 year, Darwin 5 Glory Edition can also make these people in danger get paid, which is equivalent to lowering the threshold for claims to a certain extent. Very friendly!
Because people do not popularize the high incidence of cancer, they all think that cancer is far away from them. The knowledge of cancer is limited to cancer, which is very harmful. Most of the new cancer cases in the world come from China, and these cases also show a trend of recurrence and metastasis. It would be great if there were specific protection for cancer!
Is it necessary to increase optional cancer protection? If you don't understand these points, be careful to spend money for nothing! 》
There is a big problem with the insurance rules of Darwin 5 Glory Edition. Compared with those products that can only be guaranteed with a waiting period of 90 days, the waiting period of 180 days is particularly long. The glory version of Darwin 5 is really unsatisfactory.
Therefore, although Fosun has not been established for a long time, its strength and products are very good. Darwin 5 Glory Edition is also a remarkable good product. Choose it, whether you value high compensation or flexible insurance, it will guarantee your satisfaction.
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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