Today, Senior Sister will give you a detailed evaluation to help you better understand Taiping Life Insurance, and then introduce you to a popular critical illness insurance product in their family.
Before preparing to start, let's collect this super-complete senior critical illness insurance comparison table, and then take it out for comparison when purchasing critical illness insurance:
Comparison Table of Domestic Popular 136 Critical Illness Insurance
1. Does Taiping Life have the strength? Is it reliable?
Presumably, many friends want to know about insurance companies before buying insurance. After all, insurance companies can be reliable, and you can rest assured when you buy insurance.
How can we tell whether a company is reliable? Senior sister thinks that everyone will know after reading the following article:
"What should we pay attention to when we pay attention to insurance companies? 》
Next, the senior simply analyzes Taiping Life Insurance:
1, Introduction of Taiping Life Insurance
Taiping Life Insurance is a subsidiary of China Taiping Insurance Group Co., Ltd., headquartered in Shanghai, and one of the large and medium-sized life insurance companies in China. China Taiping is a medium-sized financial enterprise, headquartered in Hongkong, and has been selected as one of the Fortune 500 companies for four consecutive years.
As of June, 20021year, the registered capital of Taiping Life Insurance1003 million yuan, the total assets exceeded 790 billion yuan, and the effective insurance coverage at the end of the period exceeded 40 billion yuan. Taiping Life has served more than 59 million customers, and the total amount of claims and survival funds has exceeded 654.38+04 billion yuan.
2. Solvency of Taiping Life Insurance
The China Banking Regulatory Commission stipulates that an insurance company's core solvency adequacy ratio is ≥50%, its comprehensive solvency adequacy ratio is ≥ 100%, and its comprehensive risk rating is Grade B or above, so its solvency meets the standard.
Let's take a look at the latest solvency report data of Taiping Life Insurance:
It can be seen that in the second quarter of 200212002, the core solvency adequacy ratio of Taiping Life Insurance was 205%, the comprehensive solvency adequacy ratio was 207%, and the comprehensive risk rating was Grade A, far exceeding the passing line stipulated by the CBRC.
Second, is Taiping Life's critical illness insurance worth buying? You will know after reading it!
Senior sister chose a popular Fulu Xinxi critical illness insurance from Taiping Life Insurance for everyone's evaluation. Let's share the protection map first:
Senior, tell us directly what are the advantages and disadvantages of Fulu Xinxi critical illness insurance ~
Advantages:
1, with a wide insurable age range.
The maximum insured age of Fuluxin Xi critical illness insurance is 70 years old, and many elderly people can buy it!
Many critical illness insurance products on the market are refused for people over 55 years old. By comparison, it can be seen that Fulu Xinxi critical illness insurance is indeed more friendly to the elderly than other products. However, it should be noted that the elderly are prone to the phenomenon of premium upside down when they are insured for critical illness insurance. Therefore, senior sister's suggestion is that if everyone has the right conditions, the sooner you buy yourself critical illness insurance, the better.
Disadvantages:
1 has no protection against mild and moderate diseases.
As a critical illness insurance product on the market, Fulu Xinxi doesn't even have the basic protection for mild and moderate diseases, which is somewhat unrealistic.
The prevalence of mild and moderate diseases will be lighter than that of specific diseases. The threshold for claims will also be lowered. With the protection of mild and moderate diseases, the insured can get a sum of insurance money to treat the disease in the early and middle stages of the disease, so that the disease will not continue to deteriorate. Fuluxin Xi's critical illness insurance does not cover mild and moderate illness protection, and the premium is relatively high, which is really not worth buying!
2. Compensation for serious illness is average.
The critical illness insurance of Fulu Xinxi Critical Illness Insurance is a single payment, and the proportion is only 100%, so the payment strength is not particularly good.
It should be understood that the better critical illness insurance in the market has additional critical illness compensation, which enhances the protection of the insured.
Summary: Taiping Life Insurance is a powerful insurance company and quite reliable. However, Fu Lu Xin Xi critical illness insurance of Taiping Life Insurance is not particularly excellent. There is a lack of protection for mild and moderate diseases, and the strength of protection for serious diseases is still very common. Senior sister suggested considering buying again.
For friends who are looking for more comprehensive and practical insurance, Senior Sister still suggests comparing other products. Senior sister has arranged a lot of critical illness insurance with great value for money and thick protection. You can choose the best one here:
"Top Ten Hot Critical Illness Insurance Inventory Worth Buying! 》
Write it at the end
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