According to the latest data released by the World Health Organization, in 2020, there will be 4.57 million new cases of cancer in China, just like 8 people get cancer every minute, accounting for 23.7% of the world.
It should be noted that cancer is no longer a "patent" disease for middle-aged and elderly people. Therefore, it is necessary for everyone to set up a critical illness insurance to transfer the economic risks brought by serious illness.
No, in recent days, many small partners have been consulting Pacific Life's critical illness insurance. Come and find out right away!
Before the lecture, Senior Sister took out a list of popular critical illness insurance for your reference:
"Top Ten Hot Critical Illness Insurance Inventory Worth Buying! 》
1. Is Pacific Life Trustworthy?
I often hear salespeople say that buying critical illness insurance doesn't matter the size of the insurance company, it depends on the bank insurance supervisor behind you!
That makes sense, but China Banking and Insurance Regulatory Commission also has relevant regulations on the indicators of insurance companies. What are the specific indicators? Let's take a look with our senior!
1, basic information of Pacific Life
Pacific Life Insurance Co., Ltd. (hereinafter referred to as "Pacific Life Insurance") was established on 20011,and is a professional life insurance subsidiary of China Pacific Insurance (Group) Co., Ltd. (hereinafter referred to as "Pacific Insurance").
Pacific Life has established a nationwide sales network and diversified service platform.
Strive to provide risk protection solutions based on customer life cycle, and the products also cover life insurance, annuity insurance, health insurance, accident insurance and other fields.
If you have friends who want to know more about Pacific Life, please poke:
How about Pacific insurance? Is it reliable? What pits and routines are there? 》
2. Solvency of Pacific Life
Solvency refers to the ability of Pacific Life to repay its debts. If the insurance company's solvency meets the standard, it also shows that the insurance company's ability to claim insurance benefits also meets the standard.
Then, the senior introduced the solvency data chart of Pacific Life in the third quarter of 2022:
From the information disclosure of Pacific Life in the third quarter of 2022 (available in official website), it is clear that the core solvency adequacy ratio of Pacific Life is 143%, the comprehensive solvency adequacy ratio is 24 1%, and the latest comprehensive risk rating is AA.
According to the requirements of CBRC, the solvency of insurance companies must meet the following standards: the core solvency adequacy ratio is not less than 50%, the comprehensive solvency adequacy ratio is not less than 100%, and the comprehensive risk rating is above Grade B!
However, the solvency of Pacific Life has always been higher than the standard set by CBRC, so you don't have to worry about the solvency of Pacific Life ~
To sum up, it is the strength parameter analysis of Pacific Life. In general, Pacific Life is also worthy of everyone's trust.
Second, the contents of Jin Dian critical illness insurance in the Pacific are revealed!
Next, Senior Sister will start the highlight prepared today, such as Jin Dian's lifelong critical illness insurance. What are the advantages and disadvantages of this product?
Senior will not beat around the bush with you. Let's announce the test results directly to you:
1, protection before illness
Why is it a hunch?
The aura is even lighter than mild symptoms, but it does not meet the criteria of mild symptoms, so the aura is likely to turn into mild, moderate and severe.
Jin Dian's life critical illness insurance provides pre-illness protection, and you can enjoy an additional 10% protection before illness. Compared with the critical illness insurance that does not provide pre-illness protection, this critical illness insurance can be started.
For example, for atypical hyperplasia nodules of liver cells, surgery doesn't cost much, but you can pay 10% insurance, which means you don't have to worry about the cost of this medicine.
2. Lack of protection for diseases in China.
Traditional Chinese medicine classifies diseases with relatively high incidence and treatment costs, which can increase the probability of claims and really bring benefits to customers.
However, Jin Dian's life critical illness insurance does not provide consumers with protection against China's disease. It is really inappropriate to consider this.
3. The longest payment period is only 19 years.
Consumers can choose from the payment period of 5/9/ 14/ 19 stipulated by Jin Dian lifelong critical illness insurance. If you want to pay all the premiums at one time, you can also choose the wholesale payment method!
However, compared with most critical illness insurance with the longest payment period of 30 years in the market, the characteristics of critical illness insurance in Jin Dian are not outstanding.
Everyone should understand that the payment period is linked to the premium. The longer the payment period, the lower the average annual premium paid.
This will take care of those low-income groups and will not cause them economic pressure to a certain extent!
Secondly, the longer the payment period, the easier it is to trigger the exemption clause, and the greater the leverage it can exert.
Simply put, the insured does not need to pay money under certain conditions, and can continue to be guaranteed in the later period.
Due to the limited time, if you want to know more about life in Pacific Jin Dian, you can check it here:
Is the critical illness insurance of Pacific Jin Dian Life really that good? Reality is coming! 》
On the whole, Pacific Life is trustworthy, but its critical illness insurance, Jin Dian Life, is only a very common product, and its basic protection is not particularly comprehensive, and it does not cover the protection of China's disease.
Compared with the high-quality critical illness insurance products on the market, such as Versailles 1, Jin Dian Life is much inferior!
Therefore, senior sister reminds everyone here that if you want to buy Pacific critical illness insurance, compare the quality products on the market ~
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
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I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
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