Many people were puzzled when they first heard about Xinhua Life Insurance: What company is Xinhua Life Insurance? Never heard of it! Is it formal? Is it reliable?
So today, Dad will give you a reward about this new China life insurance company and its insurance.
? 1. Is Xinhua Life Insurance formal? The full name of New China Life Insurance is new china life insurance co Co., Ltd., an insurance company established in June 1996 with a registered capital of 3 1 100 million.
In fact, Xinhua Life Insurance has been established for a long time, and its own capital is abundant. Not only that, the solvency of Xinhua Life Insurance in the first quarter of 2020, that is, the latest solvency, is also very good.
The solvency of Xinhua Life Insurance 168% is not the highest in the insurance industry, but it is not bad. The comprehensive risk rating of 20 19 in the fourth quarter is Grade A, which shows that its anti-risk ability is good.
Therefore, Xinhua Company is definitely a regular insurance company, so you don't have to worry about buying Xinhua Company's insurance policy and finally getting nowhere to settle claims.
Then why has Xinhua Life been in obscurity for a long time? This is related to the marketing strategies of different insurance companies. Some companies advertise more and you hear more, which of course makes them bigger and more formal.
In fact, there are no real "small" companies in the insurance industry. The paid-in capital of an insurance company may be higher than that of a commercial bank, not to mention a certain risk reserve after its establishment.
All insurance companies must accept the strict supervision of China Banking and Insurance Regulatory Commission. Once there is a real problem, the CBRC will take over directly, and your policy is still valid.
And the insurance contract has legal effect from the time it takes effect. If there is a matching insurance contract, the insurance company refuses to pay compensation. You can sue the insurance company at this time.
So when buying insurance, we should pay more attention to the insurance products and the contract itself. Bian Xiao recommended an article to teach you to read contracts. Click here? "4 strokes to quickly understand the insurance contract! Reading skills that can be learned in 3 minutes.
2. What products does Xinhua Life Insurance have? Dad put the products of Xinhua Life Insurance on a table for everyone. The specific products are as follows:
It can be seen that most of the products of Xinhua Life Insurance are critical illness insurance. Then we take some critical illness insurance of Xinhua Life Insurance as an example, and compare it with the best-selling critical illness insurance in the market, and analyze the cost performance of critical illness insurance of Xinhua Life Insurance.
Dad chose two representative critical illness insurance in Xinhua Life Insurance, and compared them with the best-selling critical illness insurance in the market.
We can see that the premiums of two kinds of critical illness insurance of Xinhua Life Insurance are relatively high, both of which are more than 10,000 yuan, and both of them have the defect of insufficient disease protection for China.
Moreover, health and worry-free critical illness insurance has the least types of critical illness. Because it is a return-type critical illness insurance, it will be returned at maturity, so the premium will be raised a lot.
Xinhua Duobeibao A 1 As a critical illness insurance with multiple payments, there are seven payments for malignant tumors, and the number of payments is ok, but there is still a problem of high premium. Compared with other hot-selling critical illness insurance on the market, the cost performance is not high.
? Third, summarize the last small series to give you a suggestion, buy insurance, don't care too much about the brand of the insurance company, but should pay attention to whether the product itself is suitable for you and how cost-effective. Bian Xiao takes you to see the cost-effective insurance, poke here? Evaluation of critical illness insurance collection of Xinhua Life Insurance: Which is cost-effective? 》