As 218 has become a thing of the past, various insurance companies have started to publish their annual claims reports in 218, so as to give their friends a clearer idea of the items and amounts of claims. The most important thing is that the annual claims reports can make their friends reflect on whether their existing family policies cover high claims. Which insurance company is stronger? I just sorted out the relevant contents, hoping to help you: the latest list! Before ranking the top ten insurance companies in China

, I read a lot of summaries of annual claims reports, but I feel that some contents have not been mentioned.

After reading many annual claims reports, Mr. Murphy, Including: China Life Insurance, Ping An Life Insurance Company of China Life Insurance, Taikang Life Insurance, Xinhua Life Insurance, Huaxia Life Insurance, Hongkang Life Insurance, Sunshine Life Insurance, Tianan Life Insurance, ICBC-AXA Life Insurance, Xintai Life Insurance, Sino-German Allianz Life Insurance, Tongfang Global Life Insurance, Lujiazui Cathay Life Insurance, Great Wall Life Insurance and Centennial Life Insurance, etc., after the annual claims reports of nearly 2 insurance companies in 218, I will help you sort out some representative claims data and let you know the "insurance" with high claims. 1. Claim amount and claim rate

First of all, judging from the 14 insurance companies that have announced the claim amount and claim rate, the total amount of claims in 218 exceeded RMB 11.4 billion, equivalent to 278 million claims every day; The average claim rate is above 97%, and these claims and claim rates are just the tip of the iceberg in the entire mainland insurance market.

so: the insurance has been lost to the point of inhumanity. Are you still afraid that it will be difficult to settle the claim?

Secondly, some small partners may see that companies such as China Life Insurance, Ping An Insurance, Taikang Insurance and Xinhua have higher claims, while other companies have less claims. Is it because other companies are not insured?

—— It is not

that the amount of insurance claims is related to the establishment time and business structure of insurance companies. It is normal for the old five insurance companies to have a large number of historical policies.

At present, the claims of many insurance companies that are determined to be new have increased rapidly, which shows that more and more people are insured by these "upstart" insurance companies.

compared with their parents, they are no longer superstitious about so-called "big brands" when the post-8s and post-9s are gradually becoming the main economic force. They feel that "no matter whether it is a big brand or a small brand, what suits me is a good brand."

Third, judging from the claim rate, the claim rate of the whole insurance industry is above 95%, and there are really not so many claims refused.

As the saying goes, "Good things don't go out, bad things spread thousands of miles"

For example:

If Xiaoming is insured, and then unfortunately gets out of danger, and finally gets a claim, Xiaoming will definitely not send a circle of friends to announce that he has received hundreds of thousands of claims;

On the other hand, if Xiaoming can't get a claim or there is a claim dispute, he will definitely send a circle of friends to scold the insurance company and the industry for constant complaints;

Therefore, the negative impact of 5% refusal may outweigh the positive impact of 95% successful settlement;

if the rejection rate of the insurance industry exceeds 2%, do you think there will still be people who trust the insurance company and who will take out insurance?

then why is the claim rate only over 95% instead of 1%?

it can be summarized as: failure to tell the truth has a significant impact on the underwriting results or it is an exemption clause and therefore refuses to pay compensation. 2. Claim types

1. Claim amount proportion

▲ In the analysis of claim types, I chose the data of Ping An Life Insurance Company of China in 218 as a reference.

why do you choose the data of Ping An Shou?

Because of the large amount of data, all the partners who have studied statistics know that the larger the sample size, the more it can reflect the actual situation, and the amount of Ping An claims is large enough, and the data is worth focusing on;

In the proportion of claims, we can see that serious illness accounts for nearly 4%, followed by medical responsibility, death responsibility and disability responsibility;

The proportion of claims is: serious illness > medical treatment > death > disability

2. The proportion of claims

Although Ping An has a large amount of data, it does not count the proportion of claims, so it is necessary to select Sunshine Life's annual claims report as a reference;

In the proportion of "claims", it is surprising that nearly 95% of the claims occurred in medical responsibility, the responsibility for serious illness was equal to the responsibility for death, and finally the responsibility for disability.

the proportion of claims is medical > serious illness > death > disability

Through the data analysis of claims and claims, we can know that the critical illness insurance pays more, but the medical insurance pays more frequently;

In a sense, the priority of medical insurance should be before critical illness insurance, because medical liability is easier to get out of danger, and the requirements for physical condition are higher than critical illness insurance;

For example, a person will only pay for a serious illness once or twice at most in his life, but it is uncertain to pay for hospitalization. It is also necessary to be hospitalized to cut a hemorrhoid.

Moreover, critical illness insurance can have "standard body coverage" for some abnormal physical conditions, but medical insurance is basically excluded once there is a past illness.

to sum up, medical insurance and critical illness insurance are the hardest hit areas for claims settlement. Summary of claims for serious illness

1. Types of claims for serious illness

From the summary of several annual claims reports, it can be analyzed that malignant tumors account for a high proportion of claims for serious illness, accounting for more than 65%, so most of the partners insured for critical illness insurance claim for "malignant tumors". Except for malignant tumors, serious illness claims account for a high proportion: acute myocardial infarction, stroke and death.

2. Types of claims for malignant tumors

Among the claims for malignant tumors, in recent years, "thyroid cancer" accounts for the most, accounting for nearly 2%. It is not difficult to understand why insurance companies are so strict with "thyroid nodules" because there are too many claims for thyroid cancer.

Except thyroid cancer, the claims rate of breast cancer, lung cancer, cervical cancer, liver cancer, gastric cancer, rectal cancer, ovarian cancer and endometrial cancer is high.

3, malignant tumor rejuvenation

With the change of living habits, especially the personal feeling that the present society is draining the health of young people, many young people are risking their lives to work.

Therefore, the annual claims report in 218 shows a trend of younger malignant tumors, and the claims of people aged 21-4 have slightly increased compared with 217.

4. Types of compensation for serious illness of men and women

▲ Among the proportion of men and women with serious illness, the proportion of compensation for women is higher than that for men, with 55% for women and 45% for men; It is worth noting that 83% of women's serious illness claims are due to malignant tumors; Male is 58%. Among them, breast cancer, cervical cancer, ovarian cancer and endometrial cancer are all female-specific cancers, so women should pay more attention to whether the cancer insurance coverage is high enough when insuring;

5. Age distribution of serious illness

▲ In the age distribution of serious illness claims, 8% of people are between the ages of 31 and 6, which happens to be the peak of their career, the period when they have old and young, and they have various loans on their shoulders. It can be said that the work pressure and family responsibilities are the heaviest stage, so they should not be streaked with luck, but need to rationally allocate insurance plans according to their own economic situation.

6. Average coverage of critical illness claims

▲ In terms of average coverage of critical illness insurance, critical illness insurance claims only pay 7, yuan, which can't realize the functions of "income compensation" and "rehabilitation expenses" of critical illness insurance. The first consideration for insuring critical illness insurance is "coverage". No matter whether the income method or the expenditure method is used to calculate the coverage gap, the coverage of critical illness insurance is not. 4. Summary of claims for death

1. Sick death and accidental death

▲ As can be seen from the age distribution of death, there are three characteristics:

One. Among teenagers under the age of 3, the proportion of accidental death is much higher than that of sick death, so it is necessary to consider some accidental death insurance coverage when helping children plan insurance;

Two. No matter accidental death or illness death, the age of occurrence is concentrated in 41-5 years old, which is just the high incidence of serious illness compensation;

Three. The death rate of diseases after 6 years old is higher than that of accidents.

2. Types of accidental death

▲ According to the statistics of the types of compensation for accidental death, nearly 2% died because of traffic accidents, and the rest were: falling, falling, drowning, etc.

With more and more vehicles and more frequent use, traffic will still be the main factor of accidental death.

many small partners only pay attention to the insurance planning of critical illness insurance and medical insurance, but the planning of accident insurance is insufficient, which leads to the low coverage of many small partners' accidental death.

However, if the object of death is the economic pillar of the family, it will definitely bring serious economic impact to the whole family. 5. Summary of medical claims

1. Types of medical insurance claims

▲ Among the types of medical insurance claims, children and young people pay more for respiratory diseases and gastrointestinal diseases, for example, children are most likely to be hospitalized because of pneumonia and gastroenteritis;

With the increase of age, claims for cardiovascular and cerebrovascular diseases, malignant tumors, chronic respiratory diseases, etc. gradually increase. For example, many elderly people have cerebrovascular obstruction, coronary heart disease, three highs, senile emphysema, etc.

2. Millions of medical claims account for

▲ Although "Millions of medical claims" are often diss, according to the data released by insurance companies, although the number of claims for millions of medical claims is relatively small, the amount of claims is relatively high.

Insurance planning mainly gives priority to solving big risks and medium risks. For small claims, these small risks can be kept by themselves without causing serious economic blow to families.

therefore, from the point of view that the amount of claims is relatively large, millions of medical treatments with several hundred yuan can transfer tens of thousands of medical risks, so why not invest? 6. Insufficient medical insurance coverage

Social insurance and commercial insurance are originally the best partners to complement each other, but there are always some small partners who feel that social insurance is enough.

according to the data of medical claims in residential hospitals, 51.7% of the small partners' social security reimbursement rate is less than 5%. Although social security has the characteristics of extensive coverage, it is also a fact that the reimbursement rate is not high. Therefore, in addition to social security, we need to supplement our own commercial insurance.

For example:

Social security is equivalent to "nine-year compulsory education" in reading, which is a compulsory foundation;

Commercial insurance is equivalent to "higher education" in studying, and you can choose it at your own expense; Write in the back

Insurance is not a simple "business", but a process that needs scientific planning. By sorting out the annual claims reports of many insurance companies, Mr. Murphy helps you to summarize the risk framework according to the types of risks. Although the proportion of serious illness claims is relatively high, the risk that has the greatest impact on families should be ranked as follows: lack of family economic support > accidental disability > serious illness treatment and rehabilitation.

You can also choose the products that suit you according to this direction in your daily insurance planning.

related reading Mr. Murphy: I want to make a claim, and I'm in a panic: what information do I need to make a claim?

Supplement on July 24th, 219

There are many keyboard players who question the data in the comments section.

Some keyboard players always question all kinds of data,

as big as national statistics and as small as their own books,

In short, they feel that the whole world is untrustworthy, and only he is the cleverest ...

So in their view, the claims data of insurance companies. 1. The claims rate announced by insurance companies is high, and others accuse the data of being flawed and not objective; 2. The claim rate announced by the insurance company is low, and others accuse the insurance company of having no conscience and not paying claims; 3, criticize a product, a company, others think you are black powder; 4, recommend good products, good companies, people think you are recharged.

whatever you say is wrong,

whatever you say is not human,

hehe ...

There are so many keyboard players.

I want to ask which of GDP, CPI and BMI has no defects?

although the statistical data is flawed, it is good to reflect 9% of the situation.

It's normal for an insurance company to claim 1%, and this is a dynamic value.

Insurance claims are mostly small claims.

If major illness claims exceed small claims,

It means that the probability of people around you suffering from serious illness is very high ...

So people will be scolded if they count small claims in the claim rate?

Some people are always afraid that insurance companies will deliberately not lose money.

I want to ask, is it because insurance companies are set up to refuse compensation?

Obviously not

Insurance companies must have sufficient evidence and reasons to refuse to pay compensation.

Most insurance claims are successful,

Of course, a few cases are refused,

Just like airplanes are the safest means of transportation in the world, but there are also plane crashes.

So it's really normal to refuse to pay compensation.

Moreover, many cases of refusing compensation are one in a million.

It's definitely much easier to find a successful case than a dispute case.

But people's hearts are like this.

Good news travels fast, and bad news travels fast.

If the insurance company refuses to pay for it, it will definitely send a circle of friends to scold the insurance company every day.

if the claim is settled smoothly, you will definitely not send a circle of friends, just keep silent and take the money. Mr Murphy: Is it easy for insurance companies to refuse compensation? What are the reasons?

—————————————————————

Farewell to 219, major insurance companies have made statistical settlement of claims data for the whole year of 219 and issued annual claims reports.

after reading several annual claims reports, These include China Life Insurance, Ping An Life Insurance Company of China, Pacific Life Insurance, Huaxia Life Insurance, Taiping Life Insurance, Xinhua Life Insurance, Taikang Life Insurance, China Life Insurance, Fude Life Insurance, Tianan Life Insurance, Qianhai Life Insurance, Centennial Life Insurance, Sunshine Life Insurance, Guohua Life Insurance, ICBC AXA Life Insurance, Evergrande Life Insurance, Agricultural Bank of China Life Insurance, CITIC Prudential Life Insurance, Hezhong Life Insurance, China Merchants Cigna Life Insurance, China Italy Life Insurance, China-US Luen Thai Life Insurance and Minsheng Life Insurance. 1. Claim amount and claim rate

(picture from Taikang Life Insurance)

1. Claim amount and claim rate have increased

From these claim data, China Life Insurance ranks first. China Life lost 47 billion yuan a year, the odds reached 99.4%, and the amount of claims rose, which shows that consumers' insurance awareness is also improving.

It is often said on the Internet that insurance claims are difficult.

but in my opinion, actions speak louder than words. From the claim data, it's not hard to find that the insurance companies are quite generous in paying for their money, and the claim rate is basically above 97%, and some companies even reach over 99% in payout ratio, so that everyone can breathe a sigh of relief.

2. The limitation of claims has increased rapidly

For everyone, in addition to the problem of claims, there is also the limitation of claims. Looking at many insurance companies, the claims speed of insurance companies is not slow at all, especially in the era of intelligent internet, the claims speed of various insurance companies has obviously skyrocketed! Ping An Flash Compensation: guarantee to pay the claim within 3 minutes, with an average of 14 minutes and the fastest time of 17 seconds, accounting for 5% of the total number of claims+Pacific AI intelligent decision-making claims: every claim is given in 3.6 seconds, and 6, customers have enjoyed the "second compensation" of AI service: mobile claims complete the claim application and image data collection online, and check it at UnionPay and O.