Before this, Senior Sister will send you a secret of choosing an insurance company, and suggest collecting it:
"What should we pay attention to when we pay attention to insurance companies? 》
1. What is the strength of Huatai Life Insurance Company?
To understand the strength of insurance companies, we should look at these two aspects:
1. Company background
Huatai Life Insurance Company was established on March 22, 2005 with a registered capital of over 3.2 billion yuan. The minimum registered capital for the establishment of an insurance company is 200 million yuan. Obviously, Huatai Life Insurance Company is far above this standard.
2019165438+18 October, Huatai Life Insurance Company won the 14th China Insurance Innovation Award "Best Corporate Culture Award of the Year".
In 2020, Huatai Life Insurance was listed in this year's insurance industry list in China, and was named "Excellent Foreign Insurance Company of the Year".
By the end of February, 65438+2022, Huatai Life Insurance had served a total of 193900 people and paid a total of 183 1 100 million yuan.
All these can show that Huatai Life Insurance has occupied a place in the insurance industry since its establishment.
2. Solvency
Solvency can show the financial situation of this insurance company. To put it bluntly, it actually depends on whether this insurance company has the ability to repay its debts free of charge through solvency.
The CBRC's requirements for solvency compliance are: the core solvency adequacy ratio is above 50% (including 50%), the comprehensive solvency adequacy ratio is above 100% (including 100%), and the risk rating is above B. ..
Intimate seniors have prepared the latest solvency index chart for the fourth quarter of 2022 released by Huatai Life Insurance Company:
Huatai Life Insurance Company's core solvency adequacy ratio and comprehensive solvency adequacy ratio in the fourth quarter of 2022 were 127.44% and 155.28% respectively. In addition, Huatai Life's comprehensive risk rating in the last quarter was AA, which shows that Huatai Life's solvency exceeded the standard.
2. Is the critical illness insurance of Huatai Life Insurance worth buying?
Today, the second point is coming. Since Huatai Life Insurance Company is so excellent, is its critical illness insurance definitely worth buying? Senior sister won't jump to conclusions casually, but we still have to analyze the guarantee content of the product itself first. Senior selected Fu You Jinsheng critical illness insurance for evaluation, so is it cost-effective? Senior sister reveals the following mystery. As usual, let's take a look at the product form of Fu You Jinsheng critical illness insurance:
At first glance, I feel that Fu You's critical illness insurance is quite rich, but I still need to look at the contents in detail.
1. Payment terms setting
The maximum payment period of Fu You Jinsheng's critical illness insurance is 20 years, and it is also stipulated that only people born between 28 days and 45 years old can choose this payment period.
As we all know, the longer the payment year is limited, the lower the annual premium of the insured, which can release some premium pressure. However, the longest payment period of critical illness insurance on the market now is set at 30 years.
In the face of different payment years, how should friends choose? Little friends who want to know the answer:
"How to choose the payment period so as not to lose money? 》
2. China's disease compensation.
Fu You Jinsheng's critical illness insurance has a 50% coverage over the disease coverage, which is a relatively basic payment.
The similar products on the market can provide 60% basic protection in the aspect of middle disease protection. There is a distance of 10% between them. If it is 500,000 yuan, the difference is 50,000 yuan, and the difference of 1 10,000 yuan is 6.5438+0,000 yuan. For the insured, once he suffers from China's disease, the amount of compensation he can get is more important.
In addition, the number of Chinese medicine claims in this Fu You Jinsheng critical illness insurance is 1.
However, similar products often appear twice, three times or even more in the market.
3. Multiple compensation for malignant tumor
Malignant tumor is what we usually call cancer.
As the main killer of major diseases, malignant tumors are likely to occur. In addition, people with a history of cancer have a high probability of recurrence. Therefore, at present, in order to make the products more suitable for people's needs, many high-quality critical illness insurances have added optional protection for the second payment of malignant tumors.
However, Fu You Jinsheng's critical illness insurance has not provided relevant protection in this respect.
For more details about Fu You Jinsheng's critical illness insurance, Senior Sister has analyzed it in this article, and I want to poke it here:
How about Huatai Life Insurance Fu You Jinsheng Critical Illness Insurance? Pay great attention to these points! 》
To sum up, I believe friends have a good understanding of the performance of Fu You Jinsheng critical illness insurance. When choosing critical illness insurance, we can analyze the payment period, mild/moderate illness protection, payment times and so on.
However, Huatai Life Insurance Company is very powerful. If you take a fancy to other critical illness insurance, you can measure whether it is worth insuring according to the standards mentioned in the article.
Finally, senior sister wants to nag again, we should treat every product objectively and rationally, and we can't generalize.
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
If the above content has not solved your problem, you can also come to the official account of WeChat to learn to bully and say that insurance consulting me;
I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
WeChat official account: Xueba said that insurance costs less, buy the right insurance!