1, AIA
19 19 was founded in Shanghai, and later revoked. 1992 returned to the mainland. 20 12 AIG sold AIA due to the debt of the 2008 financial crisis. Since then, AIA has been separated from AIG and is now a listed company in Hong Kong. AIA is the only foreign insurance company at present, so it is restricted by the policy. At present, AIA only conducts business in Beijing, Shanghai, Shenzhen, Guangdong and Jiangsu. The registered capital is not disclosed. 20 17 ranked 97th in the world top 500.
2. cautious
Founded in 2000, with a registered capital of 2.36 billion and 65,438+08 branches, it is a joint venture between CITIC Group and Prudential Group. CITIC Group, the Chinese shareholder, ranked 172 in the "Fortune 500" in 20 17, and the British shareholder ranked 56th in the "Fortune 500" in 20 17. Is the world's largest listed life insurance company, founded in 1848, with more than 170 life insurance experience.
3. Metropolis
Sino-American Luen Thai Metropolitan Life Insurance Co., Ltd. is a joint venture between a subsidiary of American Metropolitan Group and Shanghai Luen He Investment Co., Ltd., which was established in 2005 with a registered capital of 2.72 billion. Shanghai Lianhe Investment Co., Ltd., a Chinese shareholder, is a wholly state-owned investment company under the Shanghai State-owned Assets Supervision and Administration Commission. The foreign shareholder, Metropolitan Group of America, was founded in 1868 and has more than 150 years of life insurance experience.
Second, 20 17, the number of complaints of the three companies is relative.
AIA 0.78 pieces/100 million yuan, Xincheng 1.23 pieces/100 million yuan, and Metropolis 3.08 pieces/100 million yuan. There are only such complaints every 1 100 million yuan in the market. Is it much lower than we thought?
Three. Solvency and comprehensive risk rating of the three companies
20 17 fourth quarter data
The comprehensive risk ratings of the three companies are all Grade A.. The highest solvency adequacy ratio is AIA, and the highest score of SAMRA is Xincheng.
The first two indicators are the risks faced by insurance companies, while SARMRA assesses the ability of insurance companies to manage risks. This indicator is very important because it is directly linked to the minimum capital requirement, which is the denominator of solvency adequacy ratio. Solvency adequacy ratio and comprehensive risk rating are calculated and evaluated based on the current situation, and SARMRA evaluation is a judgment of future risks.
Fourth, the limitation of claim.
From the data point of view, the best is AIA, the second is Prudential, and the best is Metropolis. The industry average data is 2.0 1 day, which is quite impressive. If you are too worried about claims, it is unnecessary. Of course, the premise is that your insurance contract has been carefully examined and studied.
Verb (abbreviation of verb) product comparison
Let's compare and analyze, 30-year-old male, 500,000 insured, life-long critical illness insurance with savings, and see their differences.
Even though many of the above security services look the same, there are actually many differences. We looked down one by one.
1, severe illness grouping
Aia insurance company
Metro
Because metropolises often don't pay for serious diseases, there is no grouping of serious diseases. As far as grouping is concerned, AIA and Prudential are more authentic, and they put six kinds of high-risk and serious diseases in three different groups (some companies in the market put six kinds of high-risk and serious diseases in one group, so it is of little significance to pay multiple compensation). The highest incidence of malignant tumors is in a single group. From this perspective, the new city will appear more human.
2. Repeated payment for serious illness
AIA paid three times and Prudential paid five times.
3. Light grouping and multiple payments
AIA pays in three groups, with no interval. Metlife paid twice, with an interval of 365 days. Prudential has not paid for minor illnesses many times. Generally speaking, AIA still has some advantages in mild diseases.
4. Mild premium exemption
AIA, exempting the remaining unpaid premium of endorsement contract; Prudential waives the unpaid premium of the main insurance; Metropolis waives all unpaid premiums on the remaining contracts. So the rules of metropolis are better.
5, serious illness premium exemption
AIA and Prudential Insurance stipulate this content in the additional risks, and both of them are exempted from the premium of this additional risk. There is no exemption function of critical illness insurance premium in the metropolitan clause.
6, the insured premium exemption
Prudential provides this optional service, which AIA and Metropolis do not.
7. Death/total disability
Choose between two. Metropolis is not responsible for total disability.
8. terminal illness
Friendly nation/country
It is a bit difficult to meet this condition.
Metro
metropolis
Judging from the terms, if a customer is in the same situation, AIA is the most difficult to get the terminally ill care fund, followed by Metropolis and Prudential.
9. Extra cost of malignant tumor
Prudential stipulates in the main insurance contract that the first serious disease is malignant tumor, and an additional 20% of the basic insurance amount is paid. AIA and Metropolis do not have this requirement.
10, multiple payments for malignant tumor.
AIA and Prudential are both triple. Not in metropolis.
1 1, modern diseases or specific malignant tumors
Friendly nation/country
First visit, not first visit, is meaningless.
metropolis
The same is true for the first time.
12, rehabilitation fund for severe illness
AIA and Prudential do not have this function.
13, special care fund
Judging from this clause, some clauses of AIA are more humane. Neither Prudential nor Metropolis has this requirement.
14, elderly care fund
Friendly nation/country
It takes 180 days to completely lose the ability to live independently. Feel for yourself and don't comment here.
15, additional accident insurance
Both are optional.
16, exemption clause
Friendly nation/country
AIA has reached an agreement on different exemptions for death, total disability and serious illness. For a person who may be exposed to the risk of HIV infection, this exemption is not good for the customer.
Metro
Prudential's death and disability, no serious illness exemption agreement. Three exemptions from death are still relatively advanced in the industry, but the exclusion of some high-risk activities in the total disability clause is not a good thing for people who like high-risk activities.
metropolis
The metropolitan exemption clause is justified.
17, premium
Loyalty is the lowest, friendship is the second and metropolis is the highest.
Value-added service of intransitive verbs
Companies with big brands now pay more attention to value-added services. All three companies have VIP customer service. Let's see where their differences are.
Friendly nation/country
The annual premium is more than 50,000 yuan, and the life insurance coverage is more than 500,000 yuan: the maximum coverage for emergency medical transport, medical transport to China and remains/ashes transport to China is 300,000 yuan each time.
Economy class one-way ticket for minor children to return to China.
Provide economy class round-trip air tickets for immediate family members to visit and stay. The accommodation fee for each activity is no more than USD 250 per day, and the maximum amount of this project is USD 65,438+RMB 0,000 per event.
Except for the above-mentioned emergency medical transport, medical transport to China and transport of remains/ashes to China, the maximum amount of rescue service for any user in any accident is $65,438+$00,000.
Metro
The annual premium is more than 9,000 yuan: the global 24-hour emergency rescue service, emergency medical transport, medical transport to China, and the maximum service for transporting remains/ashes back to China is 6,543,800 yuan, and the domestic 7 million yuan.
Economy class one-way ticket for minor children to return to China.
Economy class round-trip air tickets for immediate family members to visit and stay in hospital. The accommodation fee for each activity does not exceed $300 per day, and the maximum amount of this project is $3,000 per event.
Except for the above-mentioned emergency medical transport, medical transport to China, and transport of remains/ashes to China, the maximum rescue service for any user under any accident is USD 6,543.8+0,000.
Including helicopter emergency rescue, legal aid, arrangement and payment of economy class air tickets and accommodation for relatives.
Annual premium is more than 40,000 yuan: private family telephone doctor, and professional general practitioners provide consulting services in health, medical care, health preservation, children's medical care, family accident rescue, and rehabilitation of chronic diseases of the elderly. Let you have a "family health consultant".
The annual premium is more than 80,000 yuan, Beijing driving and training service, free roadside quick repair, emergency trailer, emergency refueling, maintenance and so on.
metropolis
Prudential has the most comprehensive services, the lowest conditions and the highest amount. Followed by AIA, and finally metropolis.
After reading it, do you really find that different companies and products have their own advantages and disadvantages? As a customer, we should find a professional insurance consultant and tailor it according to the demand, which is the way to achieve the maximum protection demand with the least money.