So as a small company, what will happen to Sunshine Life, a pk company of Guohua Life Insurance? Whose critical illness insurance has the best cost performance? Will small companies win? Let's analyze it together!
In fact, many people are still used to seeing which insurance company issued the products when buying insurance, but it is irrational to only care about the company's reputation. We should be able to master the following:
"What should we pay attention to when we pay attention to insurance companies? 》
First, Sunshine Life pk Guohua, who is stronger?
1, the strength of insurance companies is against each other.
Sunshine Life Insurance was established in 2007 with a registered capital of 65,438+083.42 million yuan. It is one of the subsidiaries of Sunshine Insurance Group. Since its establishment five years ago, it has become one of the top 500 enterprises in China and the top 100 enterprises in China. Sunshine Life ranked 14 in the premium income ranking of life insurance companies in the first quarter of 20021year. From this point of view, it is not too much to describe its strength with S+.
Guohua Life Insurance Co., Ltd. was established in 2007 with a registered capital of 4.846 billion yuan and its headquarters is located in Shanghai. Up to now, 18 branches have been opened in Guangdong, Guangxi, Beijing, Shanghai and other provinces and cities.
The "Health Welfare-Critical Illness Insurance (whole life insurance)" jointly created by Guohua and Ant Insurance was shortlisted as "Top Ten Best-selling Insurance Products of the Year"! 202 1 Guohua Life Insurance ranked in the top 20 in the first quarter, slightly inferior to Sunshine Life Insurance, but its strength is also very strong.
Because of the limited words, senior sister won't list the specific contents of these two companies one by one. What you want to know is in the following text link:
"Guohua PK Sunshine Life Insurance, this result is unexpected! 》
After the strength of the two companies pk, let's see if we have reached the repayment target of the CBRC!
2. Reveal solvency
Only when the three abilities have solvency at the same time can they pass the customs: the core solvency adequacy ratio is above 50%; The comprehensive solvency adequacy ratio is above 100%; The comprehensive risk rating is above Grade B..
According to the solvency report of Guohua Life Insurance in the third quarter of 2022, its core solvency adequacy ratio is 1 13. 15%, and its comprehensive solvency adequacy ratio is 166.58%. The latest two comprehensive risk rating results are BBB.
According to the solvency report of Sunshine Life in the third quarter of 2022, its core solvency adequacy ratio is 1 14.33%, and its comprehensive solvency adequacy ratio is 170. 16%. The results of the last two comprehensive risk ratings are as follows: BBB in the first quarter of 2022 and BBB in the second quarter of 2022.
As can be seen from the above, the repayment indicators of Guohua and Sunshine Life Insurance are all qualified, but even if the solvency is excellent, can it represent the reliability of an insurance company's products? Then there is the showdown of critical illness insurance!
2. Sunshine Life Insurance and Guohua product pk, whose seriously ill product is better?
Senior sister chose the representative critical illness insurance of these two insurance companies. You can look at the comparison chart:
1, from the comparison of insurance rules.
The age limit of Guohua health benefits is relatively limited, and people over 50 years old are not covered, while Kangruibei to pro lowers the requirement of insurance age and gives the elderly more insurance opportunities.
However, compared with the longest payment time of most critical illness insurance products, Kangruibei pro is 10 years shorter, only 20 years. The shorter the payment period, the more premiums consumers need to bear each year, so the longest payment period of health benefits is 30 years, which is good for consumers.
In addition, the waiting period from Kangruibei to pro is twice as long as that of health benefits, and the speed of obtaining security is definitely slower than that of health benefits.
Senior has been focusing on the waiting period, and the insurance company will not pay for the waiting period, so we must not ignore the waiting period.
2, from the security content comparison
From the perspective of basic security, the configuration of Kangruibei and Kangruibei to pro is comprehensive, but in other security, Kangruibei's performance is better. Compared with Kangruibei to pro, one more malignant tumor is paid many times more, and it is equipped with serious illness exemption, so the protection is more guaranteed.
Malignant tumor is a serious disease with high incidence and easy recurrence. It can be seen that the product guarantee of multiple responsibilities for malignant tumors will be better.
3. From the perspective of compensation ratio.
Seeing the compensation ratio, my younger sister must boast that this Kangrui Times wants to kiss! Will get people out of danger before the age of 66. To pro can pay 200% of the insured amount for serious diseases, 100% for moderate diseases and 60% for mild diseases. Great, this level of compensation, I will fly directly! This will directly benefit ko's health. All right! The compensation ratio of this critical illness insurance product is far ahead.
All in all, whether it's Kangruibei to 2.0pro or Health Welfare, these two products have their own advantages, but the school sister still recommends that you shop around and choose the most suitable product before insurance!
As for the critical illness insurance products worth buying, Senior Sister will take you to have a look. Individuals who want to know more can look at the following:
"Top Ten Hot Critical Illness Insurance Inventory Worth Buying! 》
Write it at the end
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