In the vast insurance market, there are countless insurance companies with the word "life" in their names, and many of them are industry leaders and veterans, such as China Life, China Life, Centennial Life, and so on. The company's main goal is to provide the best possible service to its customers.
They are all masters who have stood in the insurance industry for several years, with strong family backgrounds and huge power, and any one of them is a loud name.
In recent years, there are also many new stars on the market with "life" in their names, such as BOC Tri-Star Life, established in 2015, and Ruihua Life, established in 2018.
Today, let's talk about one of these newcomers, Ruihua Life, and take the opportunity to talk about how their critical illness insurance is.
Let's take a look at the new kid on the block, Ruihua Life, and see if it's good enough. If you want to know more, you may want to browse through this article.
"An article to analyze! What about Ruihua Life? Is the product worth buying?
I. How strong is Ruihua Life?
It is important to understand that the establishment of an insurance company is very difficult, not only to go through red tape, but also to have money. To create an insurance company, the registered capital needs at least 200 million yuan, then the strength of this Ruihua Life is strong or not, let's continue to see:
(1) company strength
Ruihua Life was established on May 4, 2018, the company's registered capital of 500 million yuan, the company's business premises in Shanghai, the city of Shanghai. The operation site is located in Shanghai.
Ruihua Life is a professional health insurance company, the purpose is to strive to be the most intimate health steward of customers.
In 2019, Ruihua Life won the "Outstanding Product Innovation Award in the Health Insurance Industry", and in 2020, Ruihua Life won the "Most Innovative Insurance Brand Award".
This is a very good company.
(2) Solvency
What is the claim settlement ability of an insurance company or its solvency record.
The CIRC has stipulated that the core solvency ratio of an insurance company should not be less than 50%;
The comprehensive solvency ratio should not be less than 100%; and the comprehensive risk rating should not be less than B. If these three solvency requirements are met at the same time, it is considered to be up to the standard.
Next, we'll discuss the solvency of Ruihua Life!
According to Ruihua Life's 4Q2022 solvency report, Ruihua Life's core solvency adequacy ratio is 110.01%, its consolidated solvency adequacy ratio reaches 162.81%, and its consolidated risk rating reaches BB in 3Q2022, which is the minimum standard stipulated by the CBIRC, and these three solvency criteria are already met.
It can be seen that Ruihua Life in the solvency are already up to standard, the problem of insurance companies can not afford to pay compensation after the accident, is a situation we do not have to worry about.
So, Ruihua Life's strength and solvency have conquered us, but will Ruihua Life's products be able to gain our trust as well as their strength? Let's wait and see!
What about RWL's critical illness insurance?
There are quite a lot of critical illness insurance policies in Ruihua Life, and I've only picked one of them today to give you a general assessment, which is Ruihua Life's Kang Rui Bao 2.0.
Before you prepare for the test of Kang Rui Bao 2.0, you might want to take a look at the following article if you are interested. , which may be of some help to all of you when listening to the latter article!
"Good Critical Illness Insurance Turns Out to Look Like This! You've been lied to for so many years...
Or the old rules, my sister first gave my friends a picture of the product form of Kang Rui Bao 2.0:
At first glance, Kang Rui Bao 2.0's coverage is quite complete, giving us a first impression that this company is still very good. Next, let's take a deeper look at it ......
(1) Advantages of Kangrui Insurance 2.0
1. Flexible payment terms
Kangrui Insurance 2.0 can choose from a single premium, 5/10/15/20/30 years, and so on. Six payment terms are available so that consumers will have less pressure to pay.
Let's say Wang enrolled himself in Kang Rui Bao 2.0 at the age of 25 and had to pay 300,000 yuan in premiums, which is a lot of financial pressure for a young man of only 25 years old.
But Kang Rui Bao 2.0 has up to 30 years of payment period to choose from, we can be specific calculations, installment payment, on average, a year is only 10,000 yuan, an average of 1,000 yuan a month need to pay.
This calculation, if you only need to pay more than 1,000 yuan per month, for a 25-year-old young people, the pressure is not really big.
It's easy to see that for the term of payment, Kangrui Insurance 2.0 can be said to be very satisfactory.
As long as things will be two sides are, insurance products are no exception. This is not, in the school sister bit by bit in-depth analysis, finally saw this problem of Kang Rui Bao 2.0.
(2) Problems with Conrad Insurance 2.0
1. Waiting period of 180 days
From the chart, it can be seen that the Conrad Insurance 2.0 stipulates a waiting period of 180 days.
For example, if you have purchased a Kangrui Insurance 2.0 policy, and you have a major illness on the 91st day of the policy, the insurance company is exempted from the liability to pay for the illness, and you can only return the premiums you have paid.
But if you buy a critical illness insurance policy with a waiting period of only 90 days, then you can get a claim after the diagnosis of a critical illness, and it can help you share the pressure of reduced income due to a critical illness.
I've covered the waiting period in previous articles, but I'll review it again for you! If you don't understand it, you'll be in big trouble!
All in all, Kang Rui Bao 2.0 has both pros and cons! If you have any friends who want to buy Conrad 2.0, I won't try to discourage them, but I will advise you to be careful and considerate.
Writing in the end
I'm a schoolteacher talking about insurance, focusing on objective, professional and neutral insurance assessment;
If the above content has not solved your problem, you can also come to the public number schoolteacher talking about insurance to consult me;
If you are not able to solve the problem, you can also come to the public number schoolteacher talking about insurance to consult me;
I'm a schoolteacher talking about insurance to consult me. p>
I will give you the most professional advice with years of experience in configuring insurance for 10W+ families.
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