China PICC has been established for 70 years. It is an established company with a long history and a leader among insurance companies!
So what is the reputation of PICC in China? Is the product it designs good or bad?
Sister Xue will come to solve the problem for everyone!
Anxious friends can directly check the evaluation results here, and poke:
What is the strength of PICC in China? What about its products? 》
1. How about China PICC?
Let's take a look at the company background of PICC China ~
1. Company background
China PICC was established on1October 20th, 1949, with a registered capital of 30.6 billion yuan. Known as "the eldest son of new China insurance industry", he is the pioneer and founder of new China insurance industry.
In May this year, "202 1 Forbes Global Enterprise 2000" was released, and PICC ranked 243rd in China.
PICC China's business scope covers property insurance, life insurance, health insurance, asset management, insurance brokerage, trust, funds and other fields, which has far-reaching influence at home and abroad.
You can find that PICC China is very strong!
So let's look at the solvency of PICC China.
2. Solvency
Solvency is the basic index to measure the financial situation of insurance companies, and it refers to the ability of insurance companies to repay debts.
When looking at a company's solvency, we mainly look at the following three aspects:
Core solvency adequacy ratio: the ratio of core capital to minimum capital, which is used to measure whether the high-quality capital of an insurance company can meet sufficient requirements. Comprehensive solvency adequacy ratio: the ratio of actual capital to minimum capital, which measures whether the overall situation of an insurance company is sufficient. Risk rating: The risk rating of an insurance company is a comprehensive evaluation of risks. Generally speaking, as long as the core solvency adequacy ratio is >: 50%, the comprehensive solvency adequacy ratio is > 100%, and the risk rating is above C, even if the solvency of the insurance company reaches the standard.
Let's take a look at the solvency of China PICC Life in the third quarter of 2022:
After reading the above figure, we can know that in terms of core solvency adequacy ratio, China PICC Life's solvency index far exceeds the standard line, which is really good!
In addition, its comprehensive risk rating is as follows:
It also meets the standards, proving that China PICC Life Insurance Company is a regular and reliable insurance company.
Generally speaking, PICC China is one of the top 500 enterprises in the world, with strong strength and solvency.
What about the insurance products of PICC in China? Keep looking down!
Second, how about China PICC products?
Senior sister chose I worry-free critical illness insurance of PICC Life Insurance, a subsidiary of China PICC Group, to test and evaluate it for everyone.
Let's take a look at the responsibility diagram:
As can be seen from the above protection map, PICC I's worry-free and critical illness insurance (Internet-specific) has relatively good protection conditions, and there are two options for its protection period.
One is guaranteed to be 70 years old, and the other is guaranteed for life. Everyone can choose freely according to their own needs.
In addition, PICC I worry-free critical illness insurance (Internet only) has a waiting period of 90 days, which is better than other critical illness insurance with a waiting period of 180 days.
PICC No.1' s worry-free and serious illness insurance (Internet only) has comprehensive protection, including light, medium, heavy and death protection.
Critical illness insurance is paid in two cases. Pay 150% of the insured amount for those diagnosed ten years before the policy, and pay 100% of the insured amount for those diagnosed ten years after the policy. If you die, you have to pay the premium you have already paid.
The protection of mild and moderate diseases is optional, with 30% of the insurance coverage for mild diseases and 60% of the insurance coverage for moderate diseases.
Generally speaking, PICC I's worry-free critical illness insurance is still possible, and everyone can take out insurance according to their own situation.
Of course, there are still many outstanding ones on the market. If you want to start with critical illness insurance, you can also study these cost-effective critical illness insurance products and choose more suitable products for insurance:
Cost-effective top ten critical illness insurance inventory! 》
Third, the summary of the senior sister
On the whole, PICC China has done a good job in company background and solvency, and China PICC Life has done a good job in I-free critical illness insurance.
However, the senior sister suggested that buying insurance should be analyzed in detail. The most important thing about insurance products is the terms of insurance products, which should be paid attention to when purchasing. Don't be confused by the brand ~
What else should we pay attention to in the insurance clause? This article will have the answer you want:
Teach you to read the insurance clause clearly! 》
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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