Next, Senior Sister makes a comparative analysis of the two companies to see who can laugh last, China Life Insurance and Fosun United Health.
1. Is the joint health of China Life Insurance and Fosun reliable?
Then I will make some specific explanations for China Life Insurance and Tongfang Global Life Insurance in combination with my background strength and claim settlement ability.
1, strength background
& gt& gt China life insurance
The registered capital is 654.38+88 million yuan, and the brand value will reach 465.438+0.588+00 million yuan in 2020.
In 0/8, China Life/KLOC was selected into Fortune Global 500, and its ranking jumped from 290th in 2003 to 45th in 2020. /kloc-was selected as one of the top 500 brands in the world in 0/4.
Want to know more about China Life? Poke here and it's ok:
How about China Life? Which product is better? Deep analysis "
& gt& gt Fosun United Health
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 top 100 private health enterprises in Hurun China in 2020 with a market value of 654.38 billion yuan, which can also prove the strength of Fosun's joint health.
Regarding Fosun United Health, this evaluation article is more detailed:
"Is Fosun United Health Reliable? Here are the keys! 》
2. Solvency
Solvency is one of the criteria to measure an insurance company, which mainly depends on whether it has solvency, which is indispensable for an insurance company.
China Banking Regulatory Commission stipulates that the solvency of companies with core solvency adequacy ratio above 50%, comprehensive solvency adequacy ratio above 100% and risk rating above Grade B can be regarded as up to standard.
According to the quarterly solvency report of China Life Insurance Co., Ltd. in the third quarter of 2022, its core solvency adequacy ratio is 16 1.93% and its comprehensive solvency adequacy ratio is 230.26%. The latest two comprehensive risk ratings are AAA.
According to the solvency report of Fosun United Health Insurance Co., Ltd. in the third quarter of 2022, its core solvency adequacy ratio is 68.05%, and its comprehensive solvency adequacy ratio is 136.0 1%. The latest two comprehensive risk rating results are all Class B. ..
All the above indicators have exceeded the passing line of CBRC. It can be seen that the solvency of China Life Insurance and Fosun United Health is quite good.
Next, let's take a look at the comparison between China Life Insurance and Fosun's joint health sales of critical illness insurance.
2. Who can win the best-selling critical illness insurance, China Life Insurance and Fosun United Health?
For example, China Life Insurance and Fosun jointly launched two kinds of critical illness insurance, comparing Kangningbao 202 1 C version and Youwei 1 to see which is better.
Anyway, let's take a look at the C version of Kangningbao 202 1 and Youwei 1:
Looking around, the protection content of 1 is more complete than the C version of Kangningbao 202 1!
& gt& gt insurance conditions
As for the payment period, the longest payment period of item C of Kangningbao 202 1 is only 20 years. 1 has an optional 30-year policy, which effectively reduces the annual premium burden of the insured.
As far as the warranty period is concerned, this C version of Kangningbao 202 1 is only allowed to choose a lifetime warranty. For 1, you can choose to keep it until you are 70 years old or for life, which is relatively flexible.
& gt& gt Basic security
Kangningbao 202 1 C version has no minor illness protection, only serious illness, and the protection content is too poor!
The protection of mild and moderate diseases is indispensable. If you find yourself with a high incidence of mild and moderate diseases as early as possible, you can make early diagnosis and treatment before it becomes a serious disease. When making claims, the threshold of claims for mild and moderate diseases will be much lower than that for severe diseases.
Mild and moderate illness protection can help the insured to have money to see a doctor and let the insured see a doctor early.
In this respect, it is very good that this model has the size of 1. For the number 1, this model covers all basic guarantees such as serious illness, moderate illness and mild illness, and can pay 100%, 50% and 30% respectively, and its claim settlement ability ranks first in the market.
In addition, this Youwei 1 can also be accompanied by mild and moderate illness protection, and the insured can choose the one that suits them best according to their own needs.
The following is the details of this insurance policy 1. Friends who are interested in buying it can poke it in and have a look:
"Youwei 1" critical illness insurance hit hard! It is young and promising! 》
& gt& gt Optional protection aspects
Compared with Yu Youwei's 1, section C of Kangningbao 202 1 has no malignant tumor insurance money and the insured's exemption. This often optional guarantee is really lame!
This is an exemption for the insured with the number 1. In case of moderate or mild illness, the remaining premium will not be paid, and the guarantee will always take effect.
In addition, 1 can be paid for up to 30 years, which greatly increases the probability that the insured will not be started. It's really awesome!
In addition, there is the option 1, which also includes malignant tumor insurance. To tell the truth, this is similar to the second payment of malignant tumor, which can fully protect the insured.
On the whole, China Life Insurance and Fosun United Health are both very good, but their sought-after critical illness insurance product protection is quite different.
Kangningbao 202 1 version C is short of two Jin, which is simply not as good as Youwei 1. Compared with this critical illness insurance, Fosun United Health is the best!
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
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