Among the top 500 world brands in 2065438+2008, the powerful MetLife insurance company ranked 300th. But just looking at this ranking is not enough. Next, I will analyze metropolitan insurance companies from solvency, reputation and product situation.
(1) solvency
According to statistics, by 20 185 1 1 this month, there have been more than 20,000 claims policies in metropolis. What is the solvency level of metropolis? Click on the list and you will know:
(2) Word of mouth
In order to make claims more efficiently, MetLife has made a micro-customer service automation platform, where consumers can renew their insurance and make claims themselves, which is convenient for consumers and has been recognized by many people.
(3) Product information
Metlife's products include sincere care, hospitalization allowance, medical insurance, accident and major illness protection plan, health and lifelong illness insurance plan and self-driving accident insurance.
Participation in critical illness insurance, Health and Lifelong Sickness Insurance Scheme:
Advantages:
The health lifelong illness insurance plan can be supplemented to 65 years old, 75 years old and 85 years old for life, and the coverage period and scope are very flexible. As an independent liability product, the payment for serious illness will not affect other additional liabilities.
Insufficient:
(1) The grouping of serious diseases is unreasonable.
Malignant tumors are not grouped separately, but are grouped with liver and kidney related diseases. If malignant tumors are paid in this group, the protection of the same group of diseases will be lost, and the probability of multiple payments will be reduced because there are too few groups.
(2) Repeated payment for minor illnesses is disappointing.
Most of the serious illness insurance ailments in the market will not be grouped, and the interval period is also set for healthy and free ailments. Interval seems to reduce the probability of secondary payment for cancer. These settings are disappointing.
(3) the price is more expensive
The serious illness, minor illness, exemption and main insurance are reserved. The 30-year-old female pays 500,000 yuan in 30 years, and the annual health premium is more than 1 1000. In contrast, in 2065,438+09, the annual premium for recreational life was above 6,000, and in 2065,438+09, the protection of recreational life was better than health.
By comparison, we can see that the price of life-long critical illness insurance plan is slightly higher than other popular critical illness insurance.
Summary: The strength of the metropolis is still there, with good solvency and reputation, but the products are more expensive, so the cost performance is not high. If you have to buy insurance from this company, you must be prepared to spend more money.