If you pay special attention to the size of the insurance company when you insure, you may wish to take a look at the following points:
Is it better for a big company or a small company to buy insurance? 》
I. Company Competition | Fosun and pk Pacific Life Insurance
1. Company strength
(1) Fosun United
Fosun United Health Insurance Company was established on June 9, 2006, with a registered capital of 5438+2007, 65438+2007. Headquartered in Guangzhou, it was founded by six shareholders including Shanghai Fosun Industrial Investment Co., Ltd. and Guangdong Yihua Real Estate Development Co., Ltd.
Fosun United also relies on the powerful Fosun Group, with abundant funds and medical resources, and provides professional health services such as health consultation, health file management, health screening, expert outpatient appointment, green channel for surgery, green channel for hospitalization and global assistance. It is a professional health insurance company.
Fosun United also won the honorary titles of "the most innovative and competitive insurance company of the year" and "outstanding value growth company".
Fosun United, a small company, has just been established, but its shareholders are strong and its medical resources are abundant, so it can't be underestimated among many insurance companies, and its influence can't be ignored.
(2) Pacific Life
Pacific Life Insurance Company, established in 20011,with a registered capital of 8.42 billion yuan, is headquartered in Shanghai.
Backed by China Taibao, an insurance group with comprehensive strength, Pacific Life is the first insurance company listed in A+H+G (Shanghai, Hong Kong and London). The company has been selected into Fortune Global 500 for 65,438+00 consecutive years, and ranked fifth in Brand Finance's "65,438+000 Most Valuable Insurance Brands in the World".
In the third quarter of 2022, Taiping Life Insurance Company achieved a net profit of 654.38+03.6 billion. Relatively speaking, in terms of financial strength, sales network and influence, Pacific Life is stronger than Fosun United.
2. Solvency
Solvency plays an important role in insurance companies, which reflects the solvency of insurance companies.
According to the regulations of the China Banking Regulatory Commission, to meet the solvency standards, an insurance company must meet the following three points at the same time:
The core solvency adequacy ratio is ≥ 50%; Comprehensive solvency adequacy ratio ≥100%; Comprehensive risk rating ≥ B.
In the third quarter of 2022, Fosun's combined core and comprehensive solvency adequacy ratios reached 68.05% and 136.0438+0% respectively, and the latest comprehensive risk rating was Grade B. ..
In the third quarter of 2022, the core and comprehensive solvency adequacy ratios of Pacific Life reached 143% and 24 1% respectively, and the latest comprehensive risk rating was AA.
Both insurance companies exceed the minimum standards of the China Banking Regulatory Commission by a lot, but the core and comprehensive solvency adequacy ratio and comprehensive risk rating of Pacific Life are higher than those of Fosun United, indicating that the risk of compensation failure is smaller.
On the whole, China Pacific Life is stronger than Fosun United in terms of solvency and company strength. If you want to know more about Taiping Life's products, this is an article you must not miss:
How can Taiping Life be reliable? I suggest you think more about these products ... "
Second, the ace product pk | Mommy Bao Bei's new version vs children's life in Jin Dian
Even as mentioned above, Pacific Life is stronger than Fosun United in company strength and solvency, but the most important thing to buy insurance is to see whether the products are good or not. Its guarantee and cost performance are relatively large, and the insurance company is not the most important. So let's make a comparison between Fosun United and Pacific Life's ace child critical illness insurance:
1. Comparison of critical illness protection:
Mommy Baby Baby Newborn Edition has 1 10 kinds of nursing diseases, while Children Jindian has 120 kinds of nursing diseases. Although there is a little gap between the two, in fact, as long as the critical illness insurance covers 28 major diseases stipulated by China Banking and Insurance Regulatory Commission, the incidence rate is as high as 95%. The additional critical illness is added by the insurance company itself, and the types of critical illness do not cost money.
As for the compensation ratio, the compensation ratio of the two products is the same, and both products only pay once, which is 100% of the insured amount. From the perspective of critical illness protection, the two products are comparable.
2. Comparison of protection between mild and moderate diseases:
Mommy Baby Newborn Edition covers moderate and mild diseases. There are 25 moderate diseases that can be paid twice, each time paying 50% of the basic insured amount, and 5 1 mild diseases that can pay 30% of the basic insured amount each time, and the number of payments can be three times.
However, Jin Dian, a young child, has no medical insurance for his whole life, and the compensation ratio is only 20%, which is 10% less than the new version of Mommy Baby, and the compensation ratio is not high.
Although 60 kinds of mild diseases in Jin Dian's life include a few moderate diseases, the proportion of compensation is very small, such as the same moderate myasthenia gravis. Mommy Bao Bei pays 50% of the insured amount, while Jin Dian Life pays only 20% of the basic insured amount, which is 30% less than the new version of Mommy Bao Bei. This gap cannot be ignored.
3. Comparison of other guarantees:
The premonition can't be guaranteed in Mommy Baby Newborn Edition, but the number of premonition diseases guaranteed by Jin Dian Life Insurance for children is 6, such as intraductal papillary myxoma of pancreas (surgery) and Brunner adenoma of duodenum (surgery). Simply put, aura is a high-risk disease before a major disease occurs, with mild symptoms. If you are not treated in time, you may become a serious disease. In the case of early detection and early treatment, serious diseases can be put out in time.
In terms of specific disease protection, Mummy Baby Baby Newborn Edition and Children Jin Dian Life can provide protection for 20 kinds of children's special diseases, and both of them can pay an extra 65,438+000%. However, the Mommy Baby Baby Newborn Edition has no age limit for payment, and children living in Jin Dian are very strict in this respect. Only those diagnosed before the age of 65,438+08 can pay.
In addition, the new version of Mommy Baby Care also protects five rare diseases for children, and can pay an extra 200%, and there is no age limit. However, Jin Dian Children's Life Health Care Plan covers 20 kinds of serious diseases peculiar to adults, and these diseases must reach the age of 65,438+08 in order to get the additional compensation of 65,438+000% of the basic insurance amount.
Mommy Baby Newborn Edition and Jin Dian Children's Life have their own advantages in specific disease protection, depending on what protection you want to buy for your child.
4. Optional guarantee comparison:
The optional responsibilities of Mommy Baby Newborn Edition include malignant tumor-secondary compensation for serious illness, secondary compensation for serious illness, accidental medical treatment for children and accidental hospitalization allowance for children. However, the optional liability of Jin Dian Life Insurance Company for children is only multiple compensation for serious illness.
In contrast, this new version of Mommy Baby is more responsible.
5. Premium comparison:
Other things being equal, the new version of Mommy Baby is half less than that of Jindian, and the premium of this new version of Mommy Baby is more cost-effective. In addition to Mommy Bao Bei, there are many affordable children's critical illness insurance on the market:
"Ten super cost-effective children's critical illness insurance, don't miss this treasure raiders! 》
On the whole, no matter from which aspect, Mommy Baby Newborn Edition provides more comprehensive protection, with high payout ratio and high cost performance.
Write it at the end
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