You can sneak a sneak peek!
Kunlun health insurance is unreliable, but it is also unreliable. Don't worry, it will deceive people. The reason why all insurance companies are absolutely formal and will not cheat insurance lies in the comprehensive management of the CBRC, so they will definitely settle claims smoothly according to the contract. Moreover, the establishment of an insurance company requires at least 200 million yuan (laws and regulations are clearly written). I believe that those reliable insurance companies definitely have the strength to pay enough money.
In 20 17, the China insurance regulatory commission issued an inquiry letter for the first time, starting with Kunlun health, so Kunlun health was listed as a wait-and-see object by consumers. What is the company like now after three years? Let's announce it for everyone.
(1) company information
China Banking Regulatory Commission classifies insurance companies into four regulatory categories: A, B, C and D by analyzing quarterly regulatory indicators such as solvency adequacy ratio, operational risk and liquidity risk.
In 2020, China Banking Regulatory Commission and China announced the comprehensive risk rating of insurance companies in the first quarter, and Kunlun Health Insurance was rated as Grade A, which shows that the health risk of Kunlun is still low, except for its high solvency, the risks of operation, strategy, reputation and liquidity are relatively small, which can be said to be relatively reliable. In this case, is there Kunlun Health among the top ten insurance companies? After reading it, you will know: the latest list! Top Ten Insurance Companies in China
(2) Product information
Kunlun has many health products. Select two representative products for analysis.
1 .kunlun health insurance 2.0
Kunlun Health Insurance 2.0 has outstanding advantages. If senile diseases such as Parkinson's disease and Alzheimer's Harmo's disease are included in China's disease insurance, 50% of the insured amount can be paid. It can be said that it is very conscience! Whether this product is good or not, the specific analysis shows:
2. Guardian 3
First maintenance chart
& gt& gt& gt Advantages:
(1) Severe, moderate and mild diseases are fully covered, and the proportion of compensation is considerable.
This product has comprehensive protection for serious diseases, moderate diseases and mild diseases, and the protection for serious diseases is not only diverse, but also can pay up to 2 times. If you suffer from serious illness within the first 15 years after purchasing insurance, the highest compensation ratio is 150%, which is considered as an excellent level.
(2) Serious illnesses are not grouped, which improves the probability of multiple payments.
If a serious illness is paid, other serious illnesses in the same group cannot be paid, and there is no grouping, the probability of getting a second claim will be greatly improved. Compared with other critical illness insurance that can be paid for many times on the market, the critical illness protection of other products is not comprehensive enough.
& gt& gt& gt is insufficient:
Regularly bind the responsibility of death: if you are insured until you are 70 years old, you must choose the responsibility of paying the insured amount after your death.
Through the analysis, we can know that Kunlun Health has products with good cost performance, which not only has comprehensive protection, but also considers the needs of most people. Generally speaking, Kunlun Health has developed very well in recent years, and there are many good products that can be safely insured.