Anxious friends can also collect this article first:
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?
The key factors to judge AIA are strength and solvency. Let's analyze AIA from these two aspects!
1. Company strength
The group headquarters of AIA Holdings Limited is the first batch of foreign-funded institutions with insurance licenses, located in Hongkong, China, with telephone number 1992. There are wholly-owned branches and subsidiaries in Chinese mainland, China, Hongkong, China and Taiwan Province Province, China, all of which are part of the Asia-Pacific 17 market operation.
Secondly, from 2065438 to July 2009, AIA ranked 388th in the list published by Fortune Global 500. On May 3, 2020 13, AIA ranked 66th in the 2020 Forbes Global 2000 list. Looking at this background and strength, how can it be a fraud company?
2. Solvency
The ability to evaluate whether an insurance company has enough funds to pay customers' claims in the event of a crisis is called solvency. Mainly depends on the core solvency adequacy ratio and comprehensive solvency adequacy ratio. People in the industry generally use the core solvency adequacy ratio to evaluate the adequacy of high-quality capital of insurance companies. The comprehensive solvency adequacy ratio is an index to evaluate whether the overall capital situation of an insurance company is sufficient.
According to the standards of China Banking and Insurance Regulatory Commission, the company's core solvency adequacy ratio >; 50%, the comprehensive solvency adequacy ratio > 100%, and the risk rating is above Grade B.
According to AIA's information disclosure, AIA's comprehensive solvency adequacy ratio in the third quarter of 2022 was 379.76%, its core solvency adequacy ratio was 228.0 1%, and its risk rating was AA. It can be seen that AIA's solvency has far exceeded the qualified line.
2. Are AIA products reliable? Worth buying?
A new definition of AIA's critical illness insurance-You Ruyi Shun Xin Edition How about this product? Let's give you a test. Let's see if this AIA product is worth buying:
The protection of this product generally includes mild, moderate and severe diseases, and optional protection includes exemption, multiple compensation for serious diseases and secondary compensation for malignant tumors. The two most distinctive guarantees are multiple compensation for serious illness and secondary compensation for malignant tumor. Next, the senior sister will talk about their advantages in detail.
Advantages:
1. You can attach compensation for multiple diseases.
Multiple compensation for serious illness is a flexible additional guarantee. If AIA's friends are satisfied with the critical illness insurance, this insurance is equivalent to paying many critical illness insurance in an instant! The insured's claim for serious illness will not lead to the termination of the policy, and the second and third serious illness can still be paid.
2. Secondary compensation of malignant tumor
The incidence of malignant tumor is very high, and the recurrence rate should not be underestimated. From a large number of clinical data, we can see that patients with malignant tumors will recur even after receiving treatment, and there are many patients who died of recurrence and metastasis within five years, at least more than 80%. In this way, the secondary compensation of malignant tumor is very important.
The second compensation guarantee for malignant tumor can be attached to the Friends' Happy Edition, even if the insured's disease persists, occurs again in the later stage, recurs and metastasizes, it can also be paid. This guarantee is particularly good!
However, after carefully scrutinizing its terms, Senior Sister found some shortcomings. Friends who want to know can read this article:
Don't you know these shortcomings of AIA Universal Insurance? Look before you buy it! 》
On the whole, AIA's strength is commendable. It is a more reliable insurance company, and the critical illness insurance of the friend Ruyi Shunxin version is also more comprehensive. You can carefully consider whether this product is suitable for you. If appropriate, it is worth starting.
Of course, there are many excellent critical illness insurance in the market. If you want to see other products, this list can help you:
Cost-effective top ten critical illness insurance inventory! 》
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
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