Many people think that the products of insurance companies with high brand awareness will also be very good. Is it true?/You don't say. You will understand after reading the following ~
What are the criteria for judging a good insurance company? Now let's look at the following points:
"What should we pay attention to when we pay attention to insurance companies? 》
1. How about China Insurance Company and Ping An Life Insurance Company of China Insurance Company?
China Ping An was founded in 1988, and its headquarters is in Shenzhen. At present, its registered capital is182.8 million. It is the first joint-stock insurance enterprise in China and an integrated financial service group integrating insurance, banking and investment. It has been listed on Hong Kong Stock Exchange and Shanghai Stock Exchange.
At present, China Ping An has been ranked among the top 500 enterprises in the world in 2020, ranked 2nd1,4th in the Fortune China 500 in 20021and 6th in the Forbes Global Enterprise 2000 in 20021.
China Ping An Life Insurance Company of China Insurance Company is an important member of China Ping An Insurance Group, which was established in 2002 with a registered capital of 33.8 billion yuan. It has 42 branches (including 7 telemarketing centers) and more than 3,300 business outlets and many service outlets.
China Ping An Life Insurance Company of China Insurance Company also won the honorary titles of "Outstanding Life Insurance Company in Asia in 2020", "Best Life Insurance Company in Asia in 2020" and "Outstanding Life Insurance Company of the Year".
Moreover, in 2020, China Ping An Life Insurance Company of China realized the original premium income of 476.087 billion yuan, the core solvency adequacy ratio reached 234.30% in 2002 1 year1quarter, and the comprehensive solvency adequacy ratio reached 239. 18%. The latest comprehensive risk rating is Grade A, far exceeding the minimum requirements of CBRC, and its solvency is very good.
Generally speaking, China Insurance Company Ping An Life Insurance Company of China Insurance Company is a credible insurance company with strong strength and excellent payment ability.
The following is the catalogue and product information of China Ping An Life Insurance Company of China Insurance Company. If you want to know more, the answers to related questions are all in this article:
How about China Ping An Life Insurance Company of China Insurance Company? What products are there, what are the good ones and what are the pit routines? In-depth analysis.
Second, is the product of China insurance company Ping An Life Insurance Company of China worth buying?
Senior has found the latest ace critical illness insurance of China insurance company Ping An Life Insurance Company of China-2021Ping An Liu Anfu, and its cost performance is here to take you to make an analysis and see if it is worth buying ~
It can be drawn from the figure that 202 1 Ping An Six Fuks covers the protection contents of serious illness, moderate illness, minor illness, children's specific serious illness, death protection, survival fund, etc., and at the same time, it also adds the special protection of Anrun and serious illness project management services.
Next, I will analyze the advantages and disadvantages of this 202 1 Ping Liu Anfu ~
Advantages:
1. Repeated compensation for serious illness
202 1 There are 120 kinds of serious diseases guaranteed by/kloc-0, which are divided into 6 groups, and the maximum compensation is 6 times. According to the basic guarantee standard of 100% each time, the compensation interval is only 1 year, which can be said to be relatively short.
Before, China's critical illness insurance company in Ping An Life Insurance Company of China paid a single payment, and the highest number of critical illness insurance payments in 202 1 Ping An Liu Fu reached 6 times, which is a great development!
2. Reaching the exercise standard can increase the insured amount.
202 1 ping has a kind of guarantee called ping, which is very distinctive. As long as it meets the sports standards, a certain percentage of insurance coverage can be increased. In this case, it is really good to increase the insured amount without adding money. In addition, this kind of insurance can also encourage us to take more exercise, thus making our bodies healthier.
When applying for insurance, the insured must be at least 18 years old, which is a prerequisite for Ping An Liu Fu 202 1 to increase the coverage, and the coverage for serious illness, moderate illness and 1% can be increased by 5%- 10%.
Disadvantages:
1. There is a time limit for multiple compensation for serious illness.
1 serious illness and 202 1 safe six blessings can be guaranteed for life, and 2-6 serious illness has a time limit and can only be guaranteed until the age of 80. Compared with many life-saving critical illness insurance, 202 1 Ping An Liu Fu is still worse.
And the older you are, the greater the chance of serious illness insurance. 202 1 Ping An It is unreasonable for Liu Fu to compensate for serious illness for many times up to the age of 80.
2. The protection of mild and moderate diseases is not strong.
Compensation for mild and moderate diseases is two guarantees of 202 1. 50% is the basic coverage ratio of moderate disease compensation, which can only be paid 1 time, while the compensation ratio of mild disease is only 20%. In this way, the compensation ratio of 202 1 is really not high, and it is not entirely reasonable to set this compensation.
The survival money was received very late.
For the returned critical illness insurance in the market, the survival fund can be collected at the age of 60 or 70, which can be used for providing for the elderly.
It's just that the minimum living allowance for 202 1 Ping An Liu Fu can't be collected until the age of 80, and the waiting period is very long and unreasonable.
In addition to these three shortcomings, 202 1 Pingfu also contains a "fatal" shortcoming, so you must be careful before choosing:
"202 1 ping an Liu Fu critical illness insurance was heavily listed. I won't buy it for this! 》
To sum up, this 202 1 Pingfu insurance lasts for quite a week, but it has some shortcomings, such as low payment ratio, various conditions and high premium. Therefore, senior sister thinks it is best not to buy 202 1 Pingfu, but to learn more about other critical illness insurance before making a choice.
Write it at the end
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