In fact, there is no need to worry at all, as long as the insurance company is reliable under the supervision of the CBRC. Senior, what about Fosun United Health Insurance and China PICC? Which of the two companies is better?
Before we begin, it is necessary for everyone to understand these pits of insurance companies: "What should we look at when we look at insurance companies?" 》
First of all, the strength of Fosun United Health Insurance and China PICC appears!
What is the strength of China PICC and Fosun's joint health insurance? Senior will introduce it from the following aspects:
1, basic information
China PICC is one of the world's top 500 enterprises and central financial enterprises. Founded in 1949, with a registered capital of more than 4 million yuan, it was once listed in the Fortune China and Fortune 500 list 14 and 1 12 respectively.
So we can know that the strength of China PICC is amazing!
If you want to know more about PICC in China, please read this article: "What kind of China is PICC? This fairy product is flawed ... "
Fosun United Health Insurance is a professional health insurance company initiated by six shareholders, including Fosun Group, at the beginning of 20 17, with a registered capital of 500 million yuan and its headquarters in Guangzhou, Guangdong Province.
According to the Insurance Law, the minimum registered capital for establishing an insurance company is 200 million yuan, and the registered capital must be paid-in monetary capital.
The registered capital of Fosun United Insurance Company meets and exceeds the requirements of the insurance law, and it is still very strong!
2. Solvency
What is the strength of PICC China? The key is its solvency!
Solvency refers to the claims ability of insurance companies, but whether the claims ability of China PICC and Fosun is up to standard, please see the official data chart:
& gt& gt China People's Insurance Company
& gt& gt Fosun United Health Insurance
Comparing the solvency of China PICC and Fosun Joint Health Insurance with the regulations of China Banking Regulatory Commission, we can find that it is much higher (the core solvency adequacy ratio is ≥50%, the comprehensive solvency adequacy ratio is ≥ 100%, and the comprehensive risk rating is Grade B and above).
At this time, some friends are confused. What if these two insurance companies go bankrupt?
2. What if the insurance company goes bankrupt?
The establishment of an insurance company must be audited by China Banking and Insurance Regulatory Commission. In addition, China Banking and Insurance Regulatory Commission's supervision of insurance companies must not be relaxed. If an insurance company is aware of the risk of bankruptcy, the China Banking and Insurance Regulatory Commission will take over or arrange for other insurance companies to replace it.
In other words, when buying critical illness insurance, we should not only consider whether the insurance company is good or not, but also buy insurance products based on protection and service. Senior sister's suggestion is to choose the insurance product that suits you best according to your own situation.
For example, critical illness insurance, Senior Sister, take this as an example today to discuss with you how to choose the critical illness insurance products of Fosun United Health Insurance and PICC China.
3. How to choose Fosun United Health Insurance and China PICC's critical illness insurance products?
1, depending on whether the protection is comprehensive.
After the introduction of the new regulations, the number of diseases with high incidence of critical illness insurance increased to 28.
In addition, if the rational odds are low, it needs to be explained separately, and it is not allowed to disassemble highly repetitive diseases into several similar diseases to make up the number.
2. See if the disease grouping is reasonable.
Generally speaking, single payment type and multiple payment type are common payment types of critical illness insurance products. In most cases, the overpaid critical illness insurance will basically group the disease types.
Sister Xue reminds everyone, how to face the critical illness insurance that has been paid many times? Pay attention to whether there are independent groups of cancer.
Generally speaking, cancer is a high-risk disease of critical illness insurance, and a single group is the best!
After all, cancer is a major disease with high incidence. If high-risk diseases such as cancer are grouped together, it is meaningless to pay more.
If you don't believe me, read this detailed article: "Is it more cost-effective to pay more for critical illness insurance?" 》
3. See if cancer has been paid many times.
The most straightforward meaning is that as long as you have suffered from cancer or serious illness before and have made claims, if the cancer recurs, persists or occurs again in a few years, you can get claims.
To put it bluntly, recurrence, metastasis, new onset and persistence all belong to the state of second cancer, and the probability of occurrence is undeniable.
Therefore, only friends who pay attention to this news can better purchase the critical illness insurance under the joint health insurance of China PICC and Fosun!
To sum up, China PICC and Fosun joint health insurance is more reliable. Compared with insurance companies, everyone pays more attention to product protection. After all, the insurance products of various insurance companies are uneven.
Write it at the end
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