Compared with Ping An Insurance and China Life Insurance, Fosun United Health is a new company. Although it is not very famous, its strength is superb.
Later, I will introduce Fosun United Health, an insurance company, and then look at Ford plus critical illness insurance. Is this hot-selling product worthy of your attention?
1. Is Fosun's joint health reliable?
Later, the senior sister will talk about the specific situation of reviving joint health from the perspectives of background strength and solvency.
1, strength background
201765438+1October 19 With the approval of the China Insurance Regulatory Commission, Fosun United Health Insurance Co., Ltd. started business with a registered capital of RMB 500 million.
Dean Diagnostic Technology Group Co., Ltd., one of Fosun's joint health shareholders, entered the 2020 Hurun China Top 100 Health Private Enterprises with a market value of 654.38+0.6 billion yuan in 2020, which proves the strength of Fosun's joint health.
The following link is a detailed evaluation of Fosun United Health. Friends who want to study in depth poke here to find out:
Is Fosun United Health Insurance Company Reliable? I suggest you consider this product carefully! 》
2. Solvency
Solvency is one of the important standards to measure whether an insurance company has solvency, and solvency is like the lifeline of an insurance company.
According to the regulations of China Banking Regulatory Commission, the solvency of companies with core solvency adequacy ratio above 50%, comprehensive solvency adequacy ratio above 100% and risk rating above Grade B is the standard.
Then the following picture is a screenshot of Fosun United Health's solvency report in the fourth quarter of 2022:
As can be seen from the figure, all the indicators of Fosun United Health are in line with the standards formulated by the China Banking Regulatory Commission, and Fosun United Health, an insurance company, is still trustworthy.
In addition to the strength background and solvency, what other aspects can we examine the capabilities of these insurance companies? Curious friends click on this article:
"What should we pay attention to when we pay attention to insurance companies? 》
Next, Senior Sister will show you the Ford Plus Critical Illness Insurance, a product of Fosun United Health, and see what highlights it will have!
2. How about Ford with critical illness insurance?
As usual, let's take a look at the essence of Ford plus critical illness insurance:
It can be found that Ford's critical illness insurance protection is still very comprehensive, and there are really many advantages.
1, the proportion of serious illness compensation is high.
Ford plus Critical Illness Insurance is willing to pay up to 6 kinds of critical illness, and the maximum compensation that the insured can get is 250% of the insured amount.
In addition, Ford plus critical illness insurance stipulates that if you suffer from a serious illness for the first time before the age of 60, you will be guaranteed 200%.
If the insured amount is converted to 450,000, then the insured can get 900,000 from the insurance company, and the insured can have a better choice for treating serious illness.
The setting of Ford's critical illness insurance in the proportion of critical illness insurance is really great!
As for the proportion of critical illness insurance, only Versailles plus can be compared with Ford PLUS critical illness insurance.
This Versailles PLUS can claim for serious illness up to 180%, and can also enjoy extra compensation for a specific age group, which is no less powerful than Ford Plus.
2. The compensation of mild and moderate diseases is strong.
In addition to serious illness, this Ford plus serious illness insurance has a very good proportion of minor illness compensation.
For chronic diseases, this Ford plus critical illness insurance has a 70% claim ratio, which can be said to be unparalleled in the market.
As we all know, at present, a considerable number of China's diseases in critical illness insurance only pay 60% of the insured amount, while this Ford plus critical illness insurance can pay 70%, which is commendable!
Moreover, this Ford plus critical illness insurance is also excellent for paying for minor illnesses. You can pay for it up to 6 times and get up to 75% of the insured amount.
At present, the proportion of minor illness compensation for critical illness insurance products is basically stable at around 30%, while Ford's critical illness insurance is more than half!
If converted into 400,000 insurance coverage, Ford can pay 6.5438+0.8 million more for minor illnesses than ordinary products of the same type.
I have to say that Ford's compensation for minor illness in critical illness insurance has largely met people's needs!
3. Secondary compensation is optional for high incidence and serious illness.
Ford plus critical illness insurance has many optional responsibilities and strong practicability, including secondary compensation for malignant tumor, secondary compensation for severe acute myocardial infarction and secondary compensation for severe stroke sequelae.
Like malignant tumor, this serious disease has a high probability of recurrence.
We have come to the conclusion in many experiments that the recurrence rate of 60% is the data of cancer patients after operation 1 year, and it is estimated that 80% patients will die because of recurrence or metastasis in just five years.
Ford plus critical illness insurance can choose to set up a secondary liability for this high-risk critical illness, which can make the insured get more compensation to fight this serious illness, which is still very good.
The second compensation for cancer is essential. Curious friends look at this article:
Is it necessary to attach "second compensation for cancer"? If you don't understand these points, be careful to spend money for nothing! 》
Summary: Fosun United Health is a very reliable insurance company, and its best-selling Ford plus critical illness insurance has excellent cost performance. It belongs to a very good critical illness insurance product and is worth starting with.
Write it at the end
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