MetLife is unreliable, but neither is it credible. Don't worry, it will deceive people. The whole process of supervision and management by CBRC is the reason why insurance companies are absolutely formal, reasonable, reliable and will not cheat, and will definitely settle claims smoothly according to the contract. Moreover, the establishment of an insurance company needs at least 200 million yuan (laws and regulations are clearly written). If the insurance company can afford so much money, are you still afraid of being unreliable?
Among the top 500 world brands in 20 18, the strength of MetLife is not to be underestimated, ranking 300. But just looking at this ranking is not enough. Next, I will analyze metropolitan insurance companies from solvency, reputation and product situation.
(1) solvency
Metropolitan claims policy 20 18 1 1 has exceeded 20000. What is the solvency of metropolis? This list gives you the answer:
(2) Word of mouth
In order to make claims faster, MetLife has launched an automatic micro-customer service platform, which allows consumers to solve their own services such as renewal, claims settlement and hotline consultation, saving consumers' time and getting favorable comments and recognition from many consumers.
(3) Product information
Metlife's products include sincere care, hospitalization allowance, medical insurance, accident and major illness protection plan, health and lifelong illness insurance plan and self-driving accident insurance.
Analysis of life-long illness insurance plan;
Advantages:
The life-long illness insurance plan for medical care can be extended to 65 years old, 75 years old and 85 years old, including insurance protection, with high flexibility. Products have independent responsibilities, and other additional responsibilities will not be invalid because of serious illness compensation.
Insufficient:
(1) The grouping of serious diseases is unreasonable.
Liver and kidney-related diseases and liver and kidney-related diseases are grouped together. In this way, once the malignant tumor is paid, the protection of the same group of diseases is gone, and there are too few groups, which greatly reduces the probability of getting multiple payments.
(2) Repeated payment for minor illnesses is disappointing.
To tell the truth, most of the serious illness insurance in the market will not classify minor illnesses into one category, and healthy and casual minor illnesses also have intervals. Usually, the interval period occurs in the second payment of cancer. Obviously, such a setting is unpopular.
(3) the price is more expensive
Take care of illness, minor illness, exemption and main insurance, 30-year-old female, 30 years old, with the insured amount of 500,000. The annual premium of medical care is more than 65,438+065,438+0000, which can be compared with Kangle Life Insurance 2065,438+09, and the coverage of Kangle Life Insurance 2065,438+09 is more than that of medical care life insurance. Please poke here.
By comparison, we can see that the price of life-long critical illness insurance plan is slightly higher than other popular critical illness insurance.
Summary: The strength of metropolis should not be underestimated, and its solvency and reputation are good, but the products are more expensive, so the cost performance is not high. If you want to choose the insurance of Metropolitan Company, the budget must be higher.