The rest of the time, senior, I will give you an evaluation.
If you don't like the friends of these two insurance companies, you can look at the critical illness insurance that is more concerned and worth buying in the market:
"Top Ten Hot Critical Illness Insurance Inventory Worth Buying! 》
1. Fosun or PK ruitai Life, who is stronger?
1, company strength
Fosun was incorporated in 2065438+2007 65438+ 10/9. In the market, its parent company is Shanghai Fosun High-tech (Group) Co., Ltd. with a registered capital of 500 million yuan. At present, it has the largest number of listed companies among private enterprises, and it is also one of the members of the largest private holding enterprise group in China. The background of this listed company is really strong.
Ruitai Life was established in June 2004 with a registered capital of15438+ 10/100 million yuan. It is the first Sino-foreign joint venture life insurance company headquartered in Beijing. The company was founded by National Energy Group Capital Holdings Limited and South Africa Qiwei Group Qiwei Life Insurance (South Africa) Co., Ltd., with a particularly fierce background.
2. Solvency
One of the important criteria to judge whether an insurance company is reliable is solvency. According to the relevant regulations of CBRC, when the core solvency adequacy ratio is >; 50%, and the comprehensive solvency adequacy ratio >; 100%, and an insurance company with a comprehensive risk rating of Grade B or above is considered as qualified in solvency.
We directly found the latest quarterly solvency statements of two insurance companies, Fosun United and ruitai Life, and studied their solvency levels:
Fosun United
From the figure, we know that Fosun United's core solvency adequacy ratio and comprehensive solvency adequacy ratio were 152.25% in the second quarter of 2002/kloc-0, and its comprehensive risk rating in the latest quarter was Grade B, indicating that it is an insurance company with solvency standards.
Ruitai life insurance
Ruitai Life's two solvency adequacy ratios (core solvency adequacy ratio and comprehensive solvency adequacy ratio) are 144.7%, and it was rated as Class B in the latest risk report, and it is also a qualified solvency insurance company.
From the above two points of view, Fosun United and ruitai Life are neck and neck in comprehensive strength, and they are both excellent and reliable insurance companies.
Of course, whether an insurance company is good or not depends not only on its background and solvency, but also on other key points. Friends who are planning to buy can read this article:
"What should we pay attention to when we pay attention to insurance companies? 》
2. Which is better, Fosun or PK ruitai Life Insurance?
We can compare and test these two critical illness insurance products according to the above contents.
Fosun and Ford add critical illness insurance PK ruitai Life enjoys Ankang 202 1 critical illness insurance.
From the figure, we know that Fosun, Ford Plus and ruitai Life Insurance enjoy Ankang 202 1, all of which are overpaid products for critical illness insurance, with complete protection and rich optional responsibilities. Let's take a look at the protection separately!
Fosun and Ford increase critical illness insurance. ※
The maximum limit of Ford's critical illness insurance is 6 times. If you are diagnosed as a serious illness, you can pay according to 100%, 130%, 160%, 190%, 220% and 250% of the basic guarantee! In addition, the extra compensation for serious illness is also within its scope of protection. If you are diagnosed with a serious illness for the first time before the age of 60 and meet the claim standard, you can get an extra payment of 100% of the basic insurance amount. This protection is really leverage!
Additional responsibilities are rich and practical. ※
Ford plus Critical Illness Insurance provides secondary and tertiary compensation for malignant tumor with severe acute myocardial infarction, secondary and tertiary compensation for severe stroke sequelae, and other optional liabilities can be added. Every time 160% of the basic security payment, the product can meet the health security needs of different groups of people, especially humanized.
High cost performance ※
If the payment times of critical illness insurance products are more, the cost performance of Ford plus critical illness insurance is also quite high. Let's start with men. If he buys it at the age of 30, it will be guaranteed for life, with an insurance amount of 400,000, which will be paid in 30 years. He only needs to pay 7325 yuan a year, and he can enjoy the most basic serious, moderate and light illness protection. The insured is exempt from protection and is fully cost-effective.
From this point of view, Ford has obvious advantages in adding critical illness insurance, high compensation for critical illness, rich additional liability and high cost performance.
But to look at the problem in many ways, it is also a truth to choose insurance.
After careful analysis, I found that Ford's critical illness insurance group is unreasonable and the guarantee period is single.
Ruitai Life enjoys Ankang 202 1 Critical illness insurance ※ Comprehensive protection.
Enjoy Ankang 202 1 critical illness insurance is more comprehensive. The basic protection includes the responsibility for serious, moderate and minor diseases, and also includes the protection for children's specific diseases, the protection for death/total disability/terminal illness, and the exemption responsibility for the insured's lightest diseases. Others, optional responsibilities include malignant tumor-severe secondary compensation, cardiovascular and cerebrovascular secondary compensation guarantee, etc.
On the whole, the guarantee of Lexiang Ankang 202 1 is excellent, which has prepared a comprehensive and powerful guarantee for the friends!
Serious illness will not be grouped, and the compensation will be great. ※
Although Lexiang Ankang 202 1 critical illness pays a maximum of 2 times, the latter is better than Ford plus critical illness insurance, which pays a maximum of 6 times.
However, it is worth noting that Ford plus critical illness insurance pays a maximum of 6 times and pays 6 groups;
However, Lexiang Ankang 202 1 is not divided into groups, and it can be paid twice at most. In contrast, Lexiang Ankang 202 1 has a commendable probability of serious illness claims.
Because we know that serious diseases are not grouped, that is to say, all diseases covered by insurance are put together and no compensation type is set. In this case, the probability of obtaining compensation will be higher than that of group compensation.
So, if you still don't know how to choose grouping and not grouping, take a quick look at this article:
Is it good or bad for groups to choose critical illness insurance? The key is to look at this! 》
In terms of the strength of protecting serious illness, Lexiang Ankang 202 1 clearly stipulates that those who are diagnosed with serious illness for the first time and meet the claim standard can get 100% of the basic insurance amount; If a serious illness is diagnosed for the second time and meets the claim standard, the compensation amount can reach 120% of the basic insured amount.
In addition, the extra compensation for serious illness is also within its scope of protection. If the insured's first diagnosis of serious illness before the age of 50 still meets the claim standard, 50% of the basic insured amount can get additional claims! It's really great to enjoy Ankang 202 1 critical illness protection.
On the whole, ruitai Life's Lexiang Ankang 202 1 critical illness insurance is also outstanding, with strong protection, comprehensive protection and substantial benefits.
But as I said just now, when choosing insurance, we should not only look at the advantages, but also whether we can accept its disadvantages. For example, Enjoy Ankang 202 1 critical illness insurance, and there are still some shortcomings such as long waiting period.
Third, summary.
In contrast, in fact, Fosun United and ruitai Life have their own advantages and disadvantages, and the specific choice has to proceed from the reality of our consumers.
If you are a friend who wants to pay more for serious illness, high compensation and high-incidence diseases, you can choose Fosun and Ford to add critical illness insurance;
If you are a friend who pursues comprehensive protection, multiple payments for serious illness are not grouped, and the budget is sufficient, you can choose ruitai Life Insurance to enjoy Ankang 202 1 this critical illness insurance.
Of course, if you think these two products are not suitable for your friends, you can still continue to observe and choose other critical illness insurance products that are more suitable for you.
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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