Is it good to judge an insurance company? There are rules, and the details are in this article:
"What should we pay attention to when we pay attention to insurance companies? 》
Not much to say, let's start the evaluation of Taikang Life's critical illness insurance today!
1. What is the strength of Taikang Life Insurance Company?
Taikang Life Insurance Co., Ltd., referred to as "Taikang Life Insurance", is a subsidiary of Taikang Insurance Group, headquartered in Beijing, with a registered capital of 3 billion yuan. The company's total assets exceed 65438 yuan +0. 1 trillion, net assets exceed 77 billion yuan, and scale premiums exceed 200 billion yuan.
At present, Taikang Life Insurance has 36 branches all over the country, including all provincial administrative units in Chinese mainland, and more than 200 million people have become its individual customers, with a cumulative number of claims of 57 1. 1 000, with a cumulative amount of claims of 38.66 billion yuan.
It is necessary not only to understand the strength background of Taikang Life Insurance, but also to examine its solvency. This problem is related to whether everyone can get compensation, as shown in the following figure:
As shown in the figure, the core solvency adequacy ratio and comprehensive solvency adequacy ratio of Taikang Life Insurance in the fourth quarter of 2022 were 105.8% and 2 1 1.6% respectively (in line with the requirements of the CBRC), and the latest comprehensive risk rating was BBB, so there is strong solvency, so don't worry!
Now that we have seen the overall strength of Taikang Life Insurance, we can put our hearts into our stomachs. Is it recommended to buy the critical illness insurance of Taikang Life Insurance? Let's look down, we will have the answer!
Second, is Taikang Life Insurance's critical illness insurance reliable?
At present, Taikang Life Insurance sells quite a number of critical illness insurance, such as Taikang enjoys peace of mind, Taikang E-Shun C critical illness insurance, Taikang enjoys health 202 1 and so on. Today, I will focus on analyzing Taikang's peace of mind and see if the credibility of Taikang Life Insurance is high.
Old habits, Taikang enjoys peace of mind's product map is the first thing we need to understand:
The evaluation results of this product are now directly summarized by Xue Jie:
& gt& gt Taikang enjoys the advantage of peace of mind:
Taikang enjoys a wide range of insurance ages, and the maximum allowed insurance age is 70, which is more caring for the elderly over 60.
In addition, the longest payment period of this product of Taikang Taixiang Anxin is also 30 years. As my senior sister said before, the longer the payment period, the less the average premium we share each year, which is very beneficial to those friends with insufficient budget.
The above contents are the advantages of Taikang Henganxin's insurance rules. Let's look at the protection content. The highlight of this product is to provide critical illness care insurance for children and special illness insurance for adults. Another advantage is that they all overpaid 65,438+000% of the basic insurance amount. This is because these benefits protect people of the corresponding age groups to a certain extent. Does this make you feel a little excited ~
Senior sister must remind friends who have the idea of buying Taikang Heng to feel at ease. Please think twice before you do, and understand the precautions of this product!
& gt& gt Precautions for Taikang Tai to enjoy peace of mind:
At present, the critical illness insurance on the market will include three basic guarantees: serious illness, moderate illness and mild illness, and even some products will provide pre-illness protection.
Let's take a look at Taikang Tai's peace of mind. In fact, China people's diseases are unprotected. We must understand that the degree of illness of China people is the second, and many high-risk and mild diseases will develop into high-risk and severe diseases. Without the protection of China's disease, the scope of claims will obviously be reduced.
Moreover, this Kangtai enjoys peace of mind, paying 1 times for serious illness, and only needs 100% of the insured amount. There is no additional compensation guarantee. There are many similar products on the market. If you are found to be seriously ill within 60 years old, you will get 80% compensation for the insured amount.
In view of the limited space of the article, if you want to know more details about Taikang Tai 'an Heart, please take a look at this article:
Want to buy Taikang Life Insurance and enjoy your old age? Do you really understand these problems? 》
Third, the summary of the senior sister
To sum up, the strength of Taikang Life Insurance Company is quite stable, and friends can rest assured. Judging from the product evaluation of critical illness insurance, this reassuring critical illness insurance of Taikang Taixiang can be insured up to 70 years old, but it does not include China disease protection, and the payment of critical illness insurance is also worth noting!
To sum up, when we buy critical illness insurance, it is particularly important to look at the cost performance of the product itself besides the insurance company? Can you meet everyone's needs?
This list of critical illness insurance compiled by senior sister staying up late is recommended by senior sister here, and friends in need can choose at will:
"Top Ten Hot Critical Illness Insurance Inventory Worth Buying! 》
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.
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