What's the difference between Sunshine Life and China Ping An Life Insurance Company of China?

Senior sister understands that when people carefully choose critical illness insurance, they tend to buy products from big companies. This may be because they think that the brands of big companies are trustworthy, well-known and more trustworthy in terms of compensation.

However, to see whether an insurance company is reliable, we should not only look at its popularity, but also consider and measure many aspects!

Do you know how the insurance company judges whether it is reliable? It doesn't matter if you don't know. Senior will tell you:

"What should we pay attention to when we pay attention to insurance companies? 》

Today, my senior sister will take this opportunity to help you make a comparison and evaluation on insurance companies. Take Sunshine Life Insurance and China Ping An Life Insurance Company of China as examples. what do you think? Then everyone should watch carefully ~

1. Sunshine Life Insurance and China Ping An Life Insurance Company of China PK, who will stand out!

1. Company background

Sunshine Insurance Group Co., Ltd. is an insurance company engaged in insurance and asset management, which was established in July 2005.

The company's business mainly includes property insurance, life insurance, health insurance and accidental injury insurance, with a registered capital of 36,543.8+0.8 billion yuan.

In 2020, it was awarded the title of "Top 500 Chinese Enterprises, National 100 Service Enterprise", and in February of the same year, it was awarded the 400 million yuan D-round financing of Tousenyi Intelligent.

Next, let's take a look at China Ping An Life Insurance Company of China Insurance Company. When China Ping An Life Insurance Company of China Insurance Company was founded, it was the first joint-stock insurance company in China. Established in 1988. As the first joint-stock insurance company in China, its total assets exceed 7 14 trillion yuan. Selected as one of the top 500 Chinese enterprises in 2020, ranking sixth.

In May, 20021year, "20021Forbes Global Enterprise 2000" was released, and China Ping An ranked sixth.

2. Solvency

China Banking Regulatory Commission stipulates that the solvency of insurance companies is ≥50% for core solvency, ≥ 100% for comprehensive solvency and ≥ B for comprehensive risk rating.

If the above three requirements can be met, then the solvency of this enterprise will also pass.

According to the latest data, Sunshine Life Insurance and China Ping An Life Insurance Company of China have reached the qualification standards of the CBRC with excellent performance, and both of them can be trusted.

However, this senior still needs to repeat, that is, judging from the solvency data, China Ping An Life Insurance Company of China Company is higher than Sunshine Life Insurance, and it will still stand out in various data.

After reading these senior popular science contents, are you curious about China Ping An Life Insurance Company of China Insurance Company? If so, you will know more after reading the following article:

How about China Ping An Life Insurance Company of China Insurance Company? What products are there, what are the good ones and what are the pit routines? In-depth analysis.

2. The critical illness insurance products of Sunshine Life Insurance and China Ping An Life Insurance Company of China Insurance Company were announced!

Senior not much to say, just above:

Everyone saw the product map, so Sister Xue carefully analyzed the differences between the two products.

1. Insurance conditions

The first step is to look at the age of insurance. 55 years old is the highest insurance age stipulated in Ping An Fu Full Score 202 1. Although this degree is not excellent in the whole critical illness insurance market, it still has advantages compared with Sunshine Care Edition.

The maximum insurance age stipulated in Sunshine Care Edition is 50 years old, so many people who want to buy Sunshine Care Edition can't buy it because of their age, which makes people over 50 lose a good insurance opportunity.

The waiting period of Sunshine Care Edition is also worth mentioning. The waiting period is 180 days, which means that the insured has been in the blank period of protection for nearly half a year!

We need to understand that the insurance company will not give any compensation if there is an accident during the waiting period. If the insured is unfortunately out of danger before the waiting period has passed, and the medical expenses need to be paid by himself, isn't it of little significance to buy insurance?

However, it does not mean that 100% of the waiting period will not be paid, and there are also abnormal situations. The details are put in this article by the seniors. Let's see:

"The insurance company will not lose money during the waiting period? If you don't understand, you will suffer a big loss! 》

2. Basic guarantee

The basic protection of Ping An Fu Full Score 202 1 Critical illness insurance is very comprehensive, covering all mild, moderate and severe diseases. What is not satisfactory is that the remuneration is not generous.

Middle-aged patients only pay 50% of the insured amount, and the critical illness insurance on the market can provide up to 60% of the compensation ratio, which is not good.

Moreover, the proportion of minor illness compensation is somewhat unsatisfactory. At present, the average level of minor illness compensation in the market is 30%, but the full score of Ping An Fu is 20%.

However, from the perspective of protection, Sunshine Care version of critical illness insurance has a little advantage over Ping An Fu's full score of 202 1.

It's not easy to make extra compensation, but you have to exercise to meet the standard. Even if it meets the standard, the highest proportion of additional compensation can only be 5%. Compared with other critical illness insurance in the industry, which pays 50% or 80% extra, this critical illness insurance is a bit low.

Third, senior sister suggested.

Overall, the solvency data of China Ping An Life Insurance Company of China Insurance Company is indeed better than Sunshine Life Insurance. If you have the idea of insurance, you just need to choose according to your own needs.

Write it at the end

I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;

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