Senior, let's talk about the difference between Zhongan Insurance and China Ping An, and see which insurance company is stronger. Compare which company's products are more cost-effective?
First announce the background of Zhongan Insurance!
Zhongan Insurance is the first Internet insurance company in China initiated by Tencent, Ant Financial and China Ping An in 20 13, aiming at safeguarding and promoting the development trend of the whole Internet ecology. It can be seen that there is indeed a shadow of peace in China behind Zhongan Insurance.
Because Zhongan Insurance is essentially an Internet insurance company, almost all its business is conducted through the Internet, and insurance products are usually bought and sold online.
Let's analyze the solvency of Zhongan Insurance. Solvency is an important factor to consider whether an insurance company has the ability to repay debts, and it is the embodiment of the financial stability of an insurance company.
According to the regulations of the China Banking Regulatory Commission, as long as these three standards are met: the core solvency adequacy ratio should be no less than 50%; The comprehensive solvency adequacy ratio is not less than100%; Only when the comprehensive risk rating is above Grade B can an insurance company meet the standards.
Zhongan Insurance's solvency report in the third quarter of 2022 shows that its core solvency adequacy ratio and comprehensive solvency adequacy ratio reached 285.43% and 293.65% respectively, and its comprehensive risk rating in the second quarter of 2022 was BBB.
Senior has also specially studied Zhongan Insurance before. Interested friends can learn more about it:
"Is Zhongan Insurance reliable? You will know after reading it! 》
Second, the strength of China Ping An has been greatly improved!
China Ping An is the earliest joint-stock insurance enterprise in China. With the support of governments at all levels, regulatory authorities, customers and all walks of life, it has become one of the three comprehensive financial groups in China.
China Ping An is also one of the personal financial life service groups with the most comprehensive financial license and the widest business scope in China. The total assets of the group have exceeded 10 trillion yuan, and now it can be said that it is the largest insurance group in the world. Its subsidiaries include China Insurance Co., Ltd., China Ping An Life Insurance Company of China Insurance Company, China Ping An Property Insurance Co., Ltd. and Ping An Health Insurance Co., Ltd. ..
Just like Ping An Health, in the third quarter of 2022, the core solvency adequacy ratio of Ping An Health was 228.49%, and the comprehensive solvency adequacy ratio reached 273.55%. In the second quarter of 2022, the comprehensive risk rating was BB.
Everyone must be curious about other aspects of peace in China, so let's take a look at this introductory article, which has more details:
How about ping an insurance? What products are there? Which ones are good? What problems are worthy of in-depth analysis? 》
3. Which is better, Zhongan Insurance or China Ping An?
Next, Senior Sister will compare Zhongan Insurance and China Ping An, which company is better!
1, background contrast
As can be seen from the above company description, the strength of China Ping An is very strong, and the strength of Zhongan Insurance, which is attached to well-known enterprises such as China Ping An, cannot be underestimated.
In addition, the state's supervision of insurance is quite strict. From the examination and approval of insurance licenses, the requirements for the establishment of insurance companies, product development and sales, claims and funds, every process insurance company must strictly control. Once there is something wrong with the insurance company, the CBRC will not be without it.
2. Solvency comparison
In terms of solvency, Zhongan Insurance and China Ping An both reached the standard line stipulated by the CBRC, but they also exceeded the standard line by a lot, indicating that their financial situation is relatively stable and they can make claims with sufficient strength.
3, popular products PK!
The insurance products operated by Zhongan Insurance mainly include medical insurance, critical illness insurance, accident insurance and children's insurance, especially Zhongan Enjoy E-Health 2022 Edition, Zhongan Enjoy Critical Illness Insurance 2022 Edition and Zhongan Million Medical Insurance, all of which are popular products on the Internet.
As for the insurance business covered by China Ping An, it is actually more extensive. The company can continuously introduce various types of insurance products for consumers to choose from, mainly including serious illness, accident, medical care, life insurance, reserve and pension products, such as Ping An E Life Long-term Medical Insurance Ping An Health Duo, China Ping An Life Insurance Company of China Insurance Company Fufen Critical Illness Insurance, Ping An Guardian 100% Critical Illness Insurance, etc.
Then senior now selects two products of the same type-Zhonganxiang E-Health 2022 Edition and Ping An E-Growth Medical Insurance, and compares them:
According to the comparison chart above, Zhongan Enjoying E-Health Edition 2022 is quite rich in protection contents, including not only basic general medical care and serious illness medical care, but also various kinds of protection such as malignant tumor, special drug expenses outside proton heavy ion hospital, medical care, etc. You can also choose to attach multiple fuel packs to provide sufficient protection for yourself.
The insurance coverage is also quite adequate, with the maximum medical insurance often reaching 3 million and the maximum medical insurance for serious illness reaching 6 million.
Compared with the 2022 edition of Zhonganxiang E-Health, the coverage of Ping An E-Health Medical Insurance is not so comprehensive, but it provides basic protection, and the coverage is still relatively wide. Moreover, there is an advantage that Zhonganxiang E-Health 2022 does not have, that is, Ping An E-Health Medical Insurance can directly guarantee renewal for 20 years!
In fact, during these 20 years, if the insured has health problems, makes claims, or stops selling products, they can renew their insurance and continue to get protection.
So is the long-term medical insurance value of Ping An E Life Insurance worth buying? Before we say:
"Ping An E Life's long-term medical insurance, which claims to be guaranteed for 20 years, should pay attention to these contents ..."
To sum up, Zhongan Insurance and China Ping An are very reliable insurance companies, but if you want to insure, you should actually analyze the specific products and choose the products that suit you according to your actual needs and economic situation.
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
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