The senior also told everyone before that even if the insurance company is taken over for its own reasons, it will not affect everyone's due interests, and you can get the compensation you deserve when you are in danger. As for some detailed reasons, you will know after reading this article ~
The insurance company has been taken over. What about the insurance I bought? 》
Today, Senior Sister takes everyone familiar with Huaxia Life Insurance and analyzes whether its products are reliable!
1. Is Huaxia Insurance Company reliable?
To know whether an insurance company is excellent or not, its background strength and solvency must be transparent. The next step is to analyze the seniors.
Huaxia Life Insurance, also known as "Huaxia Insurance", was established in 65438+February 2006 with a registered capital of 153 billion yuan, and its business scope is also very wide, covering Shaanxi, Beijing, Guangdong and other areas 18.
I can see that Huaxia Insurance has absolute background strength and is by no means a small company.
As for solvency, official website did not disclose this year's solvency information because China Life Insurance was taken over by CBRC on July 17, 2020. However, at present, Huaxia Insurance has ended the takeover period on July 16, 2022.
You can totally believe that with the China Banking and Insurance Regulatory Commission here to take care of it, it will never happen that you can't afford an accident.
Moreover, even during the takeover, Huaxia Life's business can operate normally, so everyone happens to meet a product worthy of configuration, so they can buy it with confidence without any worries.
Second, is the critical illness insurance value of Huaxia Company not worth starting with?
In fact, formally established insurance companies are basically safe, so when insuring, we should pay more attention to the protection content of the products themselves.
Because everyone pays more attention to critical illness insurance, senior sister is here to learn about critical illness insurance-evergreen tree (excellent version).
Senior sister has done a comprehensive evaluation of this critical illness insurance for everyone before. Friends who want to insure take a look at this:
"Huaxia evergreen premium critical illness insurance is worth buying? Don't hit your face too fast! 》
Let's learn about the specific protection content of evergreen tree (excellent version) with senior sister:
After reading the above picture, it can be understood that this multiple-payment critical illness insurance is called Evergreen Tree (Excellent Edition), covering 100 kinds of critical illness, and the maximum number of payments is 6 times.
However, senior sister still sees that there are still many places to improve this product.
1. Only life can be selected for the guarantee period.
First of all, you can see that the guarantee period of Evergreen (Premium Edition) can only be a lifetime guarantee. At present, a large part of the critical illness insurance on sale can provide both life insurance and term insurance for the insured.
In this case, Evergreen (Excellent Edition) will continue to work hard on the flexibility of insurance.
And the premium of life-long critical illness insurance will be more expensive. For friends who don't have much budget at hand, you need to think carefully before deciding whether to buy.
2. The longest payment period is only 20 years.
Although this evergreen (excellent version) has six payment periods, you can choose to pay the premium by installments or by installments.
It should be emphasized that the maximum payment period is only 20 years. Compared with the longest payment period of critical illness insurance on the market, we still have to continue to refuel.
This is similar to buying a house by stages. Staging is inversely proportional to economic pressure, and the more staging times, the less pressure. Moreover, this kind of critical illness insurance can only be guaranteed for life, which may further increase the premium pressure of the insured.
3. No additional compensation guarantee.
Evergreen (Excellent Edition) can provide 6 times compensation for serious illness, but there is no additional compensation guarantee.
At present, many excellent critical illness insurance have the guarantee of extra payment, which can bring more protection to the family economic pillar. After all, they are the main source of family income, and once they fall, they will bring earth-shaking influence to the family.
At this time, Evergreen (Advanced Edition) has no additional salary settings.
In contrast, Xintai Life Insurance, the first edition of Xintai Ruyi Golden Gourd, which can also pay for serious illness six times, has done a good job-the amount of compensation for serious illness will increase a little every time, which can pay 200% of the insured, and the content of minor illness protection will be more perfect.
The following is a detailed evaluation, which can be provided to friends who are interested in this product:
200% guarantee for serious illness? The comprehensive evaluation of the first edition of Ruyi Golden Gourd is coming! 》
High-level summary:
All in all, Huaxia Life Insurance is a relatively reliable insurance company, but Evergreen (Excellent Edition) still has some room for improvement.
If you have the idea of configuring critical illness insurance, give you a suggestion or compare multiple products before making a decision ~
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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