The name has a beautiful meaning, and it can also be called "China". Now many parents and friends can't wait for the seniors to evaluate this product.
Piece of cake, let's arrange it!
Before explaining, I'll give you a gift, that is, the list of children's critical illness insurance compiled by senior sister for a long time. If you want to buy critical illness insurance for your child, parents should not miss it:
"Ten super cost-effective children's critical illness insurance, don't miss this treasure raiders! 》
1. Is China United Life Reliable?
Whether China Jianlebeijia children's critical illness insurance is good or not, we must definitely mention China United Life Insurance, the underwriting company of China Jianlebeijia children's critical illness insurance.
Although compared with those well-known enterprises such as China Life Insurance and China Ping An, China United Life Insurance is not as famous as them, but don't underestimate it. In terms of insurance, any insurance company with business qualifications according to law must have a capital of more than 200 million yuan when it is registered.
In addition, the strength of China United Life is already very good. I'll popularize knowledge for you right away!
China United Life Insurance, also known as China Life Insurance, was formally established in 2065.438+05 with a registered capital of 654.38+08 billion yuan. It is a subsidiary of China Insurance Group.
As we all know, China Insurance is the only state-owned insurance company in China with the word "China". With such a strong backing, China United Life's "achievements" in recent years can be described as "rapid progress".
By the end of 65438+March in 2020, China United Life Insurance Company's total assets reached 1079 billion yuan, and won many awards such as Excellent Life Insurance Company Award, Ark Award for Gold Insurance Products, Best Underwriting Service Award for Health Insurance, etc.
China United Life Insurance is excellent in both development speed and strength.
Is China United Life highly credible? Its repayment data is our top priority.
The ability of insurance companies to repay debts is also the concept of solvency. Whether the insurance company can compensate depends mainly on this.
According to the official disclosure, in the second quarter of 2002 14 1.67%, the comprehensive solvency adequacy ratio of China United Life was 188.28%, and the risk rating in the first quarter of 2002/kloc-0 was A.
The reimbursement data are not lower than the passing line of China Banking and Insurance Regulatory Commission, which shows that China United Life is trustworthy.
By the way, if you are afraid of buying insurance and stepping on the pit, this insurance company identification guide is very suitable for everyone to learn. After all, just because the insurance company is reliable does not mean that there are no twists and turns inside:
"What should we pay attention to when we pay attention to insurance companies? 》
Next, let's take a look at the market performance of China Jianlebeijia children's critical illness insurance!
Second, is China Gyllenbosch Plus Children's Critical Illness Insurance OK? Is it worth starting with?
The product form of China Jianlebeijia children's critical illness insurance is as follows. Let's see:
To tell the truth, actually, after reading the children's critical illness insurance in China Gyllenberger, Senior Sister suggested that you should not buy this product.
The reason for this is the following：
1, China jianlebeijia children's critical illness insurance lacks middle disease protection.
A good critical illness insurance requires comprehensive basic protection and a lot of "welfare", including extra payment for critical illness at a specific age and multiple payments for critical illness.
The first hurdle of popular critical illness insurance-basic guarantee, China Jianlebeijia children's critical illness insurance was suspended because it did not include the protection of China's disease.
This is equivalent to saying that if parents buy the children's critical illness insurance of China Jianlebeijia, then if the children unfortunately get China's disease in the future, China Jianlebeijia's children's critical illness insurance will not compensate, because China's disease is not covered by the contract.
Then parents have to treat China's disease at their own expense.
2, minor illness protection is small.
China Jianlebeijia children's critical illness insurance also has the defect of insufficient protection. Although it can be paid five times, 60 kinds of minor diseases are divided into five groups.
Assuming that the insurance company has paid for a mild illness, the insurance company will not pay for other mild illnesses in the same group, so there are still many tricks.
You may also want to know, should you buy group critical illness insurance? In fact, the senior has written a popular science article specially. If some friends haven't read it, you can read the following article:
Is it good or bad for groups to choose critical illness insurance? The key is to look at this! 》
Therefore, to sum up a result, in the view of senior school sister, the protection of children's critical illness insurance in China Gyllenhaal is unattractive and not worth buying. If you want to buy a cost-effective one, it is recommended to compare other products.
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
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