Not many parents are interested in AIA and its children's critical illness insurance. Want to know if it's worth buying? In order to help you choose the products that best meet your own standards, Xuejie will take you to know! Friends who are short of time can poke the following links to quickly learn about AIA and its products:
Is it bad to say that friends are friends online? Is it true?/You don't say. /You don't say. 》
1. How about AIA? Is it reliable?
Next, I will explain the premium income and solvency of AIA:
1, premium income
Premium income is the consideration income that the insurance company collects from the insured for fulfilling the obligations stipulated in the insurance contract. It is the most important capital inflow channel for insurance companies, which is equivalent to the assets of insurance companies.
To see whether an insurance company is excellent or not, we must first look at the premium income!
From the perspective of premium income, AIA's income in 2065,438+09 was 336,543.80 billion yuan, up 26.80% year-on-year, ranking 65,438+09, which was still very good ~
2. Solvency
Solvency can measure whether an insurance company has the ability to make claims and reflect its financial soundness, so this indicator is also the main factor that many consumers care about when choosing an insurance company.
The CBRC stipulates that the solvency of an insurance company is up to standard as long as it meets the following three indicators at the same time:
The core solvency adequacy ratio is not less than 50%; The comprehensive solvency adequacy ratio is not less than100%; The comprehensive risk level is not lower than Grade B. According to AIA's solvency data in the third quarter of 2002/KLOC-0, the core solvency adequacy ratio is 228.0 1%, the comprehensive solvency adequacy ratio is 379.76%, and the risk rating is AA. Therefore, you don't have to worry about the company's later claims.
Through the above analysis, we should know more about AIA. AIA is indeed a reliable insurance company ~
But I want to remind you that besides the insurance company itself, buying insurance mainly depends on the quality of the products.
There are many kinds of children's critical illness insurance in AIA, and many people will say that the friends of Ruyi Star are worth recommending. So what exactly is this product like? Friends who have purchase ideas click here to have a look:
"Deep friends enjoy version of critical illness insurance, be careful of these pits! 》
2. Is the edition value of Friends Ruyi Star worth buying? Comprehensive evaluation!
As usual, let's take a look at the protection provided by the exclusive version of Children's Critical Illness Insurance:
It is not difficult to find out from the picture that this product can be purchased for people from 7 days of birth to 17 years old, including severe, moderate, mild, special disease protection for children and other protection.
Generally speaking, the protection content of children's critical illness insurance of Friends Ruyi Star Edition is still very comprehensive. But whether it is worth starting with or not, we still need to know its advantages and disadvantages:
Advantages:
1. Short waiting time
The waiting period should be shorter, so that the insured can get product protection earlier. The waiting period of Friends Ruyi Star Edition is only 90 days, which can be said to be the strongest level on the market.
Compared with those products with a waiting period of 180 days, the setting of Friends of the Stars Edition is more intimate ~
Speaking of the waiting period, some friends don't understand: if you are out of danger during the waiting period, can you still get compensation?
Apart from the advantage of short waiting period, this product has no bright spots, but there are also many shortcomings. If you don't understand it, you will easily suffer:
Disadvantages:
1. You can only choose to save your life.
There is only one choice for the guarantee period of Friends Ruyi Star Edition, which is to protect life.
Some good critical illness insurance on the market have many choices in the coverage period. You can choose the warranty period according to your preference, covering 10 year, 20 years, 60 years, 70 years, etc. You can also choose to save your life.
Although life-long protection is relatively safe, the cost of life-long protection is very large! For those parents whose family conditions are not very favorable, they may not get the premium of lifelong critical illness insurance, so it may be more appropriate to choose regular critical illness insurance.
It can be seen that Friends Enjoy Star Edition is very unfriendly to friends with limited economic conditions. ......
2. Children's special disease protection is not strong.
I believe many parents and friends pay attention to this product, mainly because they take a fancy to its protection for children with special diseases: if the children with special diseases are diagnosed before 18 years old, the insured can get an extra compensation of 100%.
That is to say, I bought 500,000 yuan with the insurance coverage of * * * *, and when I was diagnosed with a serious illness of children at a specific time (18 years old), I counted the 500,000 yuan that I had been accompanying before, * * * 1 10,000 yuan, which is good to see here ~
Remind everyone that it is what senior three students need to do now. Children's special diseases do not necessarily occur in childhood, but they are more likely to occur during this period. After this period of time, children's special diseases will still occur. In the case of diagnosis, the cost of follow-up treatment is extremely high!
It can be seen that the excellent star edition only provides children's special disease protection for the insured under the age of 18, which is still a bit poor. ...
Generally speaking, AIA is an insurance company worthy of everyone's choice, but the cost performance of AIA's children's critical illness insurance is a bit average. Although its disease protection is comprehensive, the coverage period is too small to provide high protection intensity, so it is not a product worth starting with ~
If you like cost-effective and comprehensive products, you can study this list of seniors and sisters. There is always a baby suitable for your family:
"Ten super cost-effective children's critical illness insurance, don't miss this treasure raiders! 》
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!