Senior, let's talk about the difference between Zhongan Insurance Company and China Life Insurance Company, and see which insurance company is stronger. Compare which company's products are more cost-effective? !
First announce the background of Zhongan Insurance!
The detailed name of Zhongan Insurance is Zhongan Online Property Insurance Co., Ltd., which opened on October 6, 2003, 20 165438. Established by China Ping An, Ant Financial, Tencent and other well-known domestic enterprises directly based on the original intention of promoting and ensuring the ecological development of the entire Internet. It is also the first Internet insurance company in China. You can know that Zhongan Insurance owns.
Zhongan is currently headquartered in Shanghai and has not set up a branch. Business can only be conducted through the Internet, and products are basically sold online.
After understanding the basic situation of Zhongan Insurance, let's take a look at its solvency, which is an important indicator to judge whether an insurance company has solvency. The principle of the CBRC is that a company with solvency standards must meet three conditions:
(1) The core solvency adequacy ratio is not less than 50%;
(2) The comprehensive solvency adequacy ratio shall not be less than 100%.
(3) Its comprehensive risk rating is above Grade B..
The solvency report in the third quarter of 2022 shows that the core solvency adequacy ratio of Zhongan Insurance is 285.43% and 293.65%, and the comprehensive risk rating in the second quarter of 2022 is BBB.
If you want to know more about Zhongan Insurance, you can click this article to view it:
"Is Zhongan Insurance reliable? You will know after reading it! 》
Second, China Life's strength is getting stronger and stronger!
As we all know, China Life is well known. Next, let's briefly introduce it. China Life Insurance (Group) Company is a national large-scale financial insurance enterprise. Today, the company has been selected as one of the Fortune Global 500 Enterprises in 19 and the World Top 500 Brands in 15. In 2026, 5438+0, the brand value reached 436.672 billion yuan.
The group company consists of China Life Insurance Co., Ltd., China Life Asset Management Co., Ltd., China Life Property Insurance Co., Ltd., China Life Pension Insurance Co., Ltd. and many other companies and institutions.
Similarly, taking solvency as an example, in the third quarter of 2022, China Life Insurance Co., Ltd., a subsidiary of the Group, had a core solvency adequacy ratio of 155.58%, a comprehensive solvency adequacy ratio of 192. 1 1%, and a comprehensive risk rating (classified supervision) of AA in the second quarter of 2022.
The following article also introduces the relevant contents of China Life Insurance, which you can learn more about:
How about China Life? What products are there? 》
Third, Zhongan Insurance is better than China Life Insurance.
Let's compare Zhongan Insurance and China Life Insurance, who is better!
1, background contrast
From the company explanation above, we can know that the strength of Zhongan Insurance and China Life Insurance is worthy of recognition, and we don't have to worry that such a powerful insurance company will go bankrupt.
Moreover, these two insurance companies are also strictly supervised by the CBRC, where there are annual, quarterly, monthly and daily audits. If insurance companies have any problems, the China Banking and Insurance Regulatory Commission will certainly safeguard the interests of our consumers.
2. Solvency comparison
Insofar as solvency is concerned, Zhongan Insurance's core solvency and comprehensive solvency adequacy ratio greatly exceed the standard line set by the CBRC, representing a particularly strong solvency; Only China Life's solvency adequacy ratio has exceeded the standard line, and its comprehensive risk rating is Grade A, indicating that China Life's solvency is also excellent. We don't need to worry about the problem that they have no money to settle claims.
3. Product comparison
Zhongan insurance business includes medical insurance, critical illness insurance, accident insurance, children's insurance and other comprehensive insurance. Popular products include Zhongan exclusive electronic health 2022 edition, Zhongan critical illness insurance preferential edition, Zhongan million medical insurance 2022 and so on.
China Life Insurance covers critical illness insurance, medical insurance, annuity insurance and accident insurance. In particular, it introduces China Life Kangning Life Critical Illness Insurance 202 1 C Edition, China Life Xiaoyixian No.2 Medical Insurance and so on.
Let's compare Zhongan Critical Illness Insurance Privileged Edition and China Life Kangningbao Lifelong Critical Illness Insurance 202 1 Edition C to see who has more advantages:
It can be known that Zhongan Critical Illness Insurance Premium Edition is a short-term critical illness insurance with a guarantee period of only 1 year. China life insurance Kangningbao 20265,438+0C version should belong to lifelong critical illness insurance, which can provide relatively stable protection for the insured.
As far as the coverage content is concerned, Zhongan Critical Illness Insurance Privileged Edition provides rich content, which provides protection for serious illness, mild illness, male and female students 10 specific diseases.
However, there are some small details in the premium version of Zhongan Critical Illness Insurance, which need your attention before insurance:
How about one-year critical illness insurance? Let 2022 Zhongan Critical Illness Insurance Privileged Edition tell you the answer.
The life critical illness insurance version 202 1 C of China Life Kangning Insurance only includes critical illness insurance, 15 specific illness insurance and death insurance. Among them, the attractive point is that the performance of its specific disease insurance payment 150% of the basic coverage is still remarkable, but on the whole, this product does not provide very rich protection content.
Generally speaking, Zhongan Insurance and China Life Insurance are very strong, but if you want to buy their products, you still need to decide whether to configure them according to your own needs.
Write it at the end
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