Therefore, before this analysis, friends need to know what angles insurance companies look at:
"What should we pay attention to when we pay attention to insurance companies? 》
First, the strength pk! Which is stronger, Sunshine Life Insurance or Guohua Life Insurance?
1. Company strength competition
Sunshine Life Insurance Co., Ltd., referred to as "Sunshine Life", was established in 2007 with a registered capital of 65.438+0.834 billion yuan.
Since its establishment, Sunshine Insurance has solved the employment problem of 280,000 people, provided insurance protection for more than 4180,000 customers, accumulated social risks of 14 10 billion yuan, and paid various kinds of compensation of over 202 billion yuan.
Since its establishment five years ago, the company has become one of the top 500 enterprises in China. At present, the Group has a number of professional subsidiaries such as property insurance, life insurance, credit guarantee insurance, asset management and medical care.
Guohua Life Insurance Co., Ltd., referred to as "Guohua Life Insurance", was established in 2007 with a registered capital of 4.846 billion yuan and is headquartered in Shanghai.
By the end of 65438+February in 2020, Guohua Life Insurance had total assets of 232.772 billion yuan and net assets of 27.42 billion yuan.
Guohua Life Insurance has formed an efficient network layout covering the whole country, and has set up 18 provincial branches in Shanghai, Beijing, Tianjin, Henan, Hebei, Zhejiang, Shandong, Guangdong, Jiangsu, Hubei, Liaoning, Chongqing, Sichuan, Shanxi, Hunan, Qingdao, Shenzhen and Anhui.
Generally speaking, Sunshine Life and Guohua Life are both very strong, but Sunshine Life has more funds than China Life ~
2. Solvency competition
Frankly speaking, solvency depends on whether the insurance company can pay the insurance amount agreed in the contract. To limit solvency, these three conditions must be met at the same time:
The core solvency adequacy ratio is ≥ 50%; ? Comprehensive solvency adequacy ratio ≥100%; ? The comprehensive risk rating is above Grade B..
According to the summary of solvency report of Sunshine Life Insurance Co., Ltd. in the third quarter of 2022, its core solvency adequacy ratio is 1 14.33%, its comprehensive solvency adequacy ratio is 170. 16%, and its comprehensive risk rating result in the second quarter of 2022 is AAA.
The summary of the solvency report of Guohua Life Insurance in the third quarter of 2022 shows that its core solvency adequacy ratio is 1 13. 15%, its comprehensive solvency adequacy ratio is 166.58%, and its comprehensive risk rating result in the second quarter of 2022 is BBB.
Although the comprehensive risk rating result of Guohua Life Insurance is lower than that of Sunshine Life Insurance, the solvency of Guohua Life Insurance has far exceeded the passing level, not to mention Sunshine Life Insurance. Don't worry about not being able to pay.
Senior students only compared the strength and solvency of Sunshine Life Insurance and Guohua Life Insurance in the above two commonly used standards. Due to the limited space of the article, there is no restriction on the comparison between the two companies. Want to know more, might as well see what experts say:
"Guohua PK Sunshine Life Insurance, this result is unexpected! 》
After two rounds of competition, Guohua Life Insurance has been unable to compete with Sunshine Life Insurance. Is Guohua Life Insurance really better than Sunshine Life Insurance?
It doesn't have to be like this. After all, the quality of products is not necessarily related to the strength of the company.
Next, let's see who is the better product of these two companies.
Second, the product pk! Which product is better, Sunshine Life Insurance or Guohua Life Insurance?
Senior sister chose the ace critical illness insurance of two companies-Sunshine Care Lifelong Critical illness insurance of Sunshine Life Insurance and Lifelong Health and Welfare Edition of Guohua Life Insurance for comparative analysis.
You can have a look at the protection comparison chart:
In the following time, Senior Sister will analyze these two critical illness insurance products from the aspects of insurance rules and protection contents.
1. Comparison of insurance rules
The insurance standards of these two products are similar. All belong to lifelong critical illness insurance. The age limit for insurance is 50, and even the longest payment period is the same as 30 years.
The biggest guarantee is the waiting period. The waiting period of sunshine care life-long critical illness insurance needs 180 days, which is twice as long as the 90-day waiting period of health and welfare life edition.
You know, if there is an accident during the waiting period, there is a high probability that you won't get compensation. So for our consumers, the shorter the waiting period, the better.
Therefore, in terms of insurance rules, the life-long version of health benefits is undoubtedly better.
2. Comparison of guarantee contents
In terms of basic protection, the life-long version of health benefits has achieved complete protection for serious diseases, moderate diseases and mild diseases, while the sunshine care life-long critical illness insurance has not provided protection for moderate diseases.
You should know that Chinese medicine is a symptom of a disease, with a slight proportion. If the treatment is timely and effective, it can prevent the disease from deteriorating into a serious disease. But the treatment cost of Chinese medicine is very expensive, so the protection of Chinese medicine is very important.
Sunshine care life-long critical illness insurance is not complete in terms of protection, and there is nothing surprising in terms of compensation. Life-long health & welfare regulations, in case of serious illness in the first ten years of the policy, pay 30% of the basic premium, which is very sincere.
From this comparison, it seems that the sunshine care protection of life-long critical illness insurance has been lost.
Of course, there are loopholes in the protection of life-long health benefits. If you want to know about this product, take a look at this in-depth evaluation article:
"I heard that Guohua National Health Welfare 202 1 is particularly good? That's because you haven't found this pit yet! 》
Third, summary.
Generally speaking, although Sunshine Life is still very strong in terms of capital, its ace product lags far behind Yu Guohua Life.
Of course, senior doesn't mean that sunshine life products are not worth having. After all, there are so many products in their home, and it is normal that there are good and bad products.
These two companies are very powerful companies. If they have products at home, they can consider buying them.
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
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