Which should I buy, Hong Kong AIA or Ping An Insurance?

How about AIA? Let's take a look at this article first: "It's not good to say that friends are friends online." ? Is it true?/You don't say. /You don't say. 》

First of all, AIA "takes root" in the Mainland.

AIA came to the mainland from 19 19, but it didn't continue to operate in 100. In the middle, the mainland market was abandoned for various reasons, and it was not officially settled until 1992. At present, it is headquartered in Hongkong, China, and set up a branch in Shanghai in the same year. In terms of time, it can be regarded as a century-old enterprise.

Second, AIA became the only wholly foreign-owned insurance company in China.

It is precisely because AIA was established early that it successfully circumvented the restriction that the proportion of foreign capital should not exceed 50% of the company's total share capital and became the only wholly foreign-owned insurance company in China.

Three. AIA announced its solvency in the first quarter of 2020.

Solvency represents the insurance company's ability to claim compensation, which is the basic index to measure the financial situation of insurance companies. The higher the solvency, the more stable the financial situation of the insurance company, and the less likely it is to go bankrupt.

The newly announced core solvency in 2020 is as high as 464.37%, which shows that the company has abundant funds and does not have to worry about bankruptcy.

Besides AIA, which insurance companies have high solvency? You can look at this list: "The solvency ranking is fresh in 2020, which company is the most" able "to compensate? 》

Fourth, AIA mainly promotes products.

AIA's main types of insurance include critical illness insurance, life insurance, medical insurance, accident insurance and other personal insurance, as well as annuity insurance and financial universal insurance. Look at the picture below:

The value of AIA is not worth buying and cannot be generalized. It depends on the specific product. I choose a product to introduce briefly, and take the critical illness insurance "Quanyou Xianghui 20 19" promoted by AIA as the evaluation object:

Advantages:

1. Adequate protection: serious illness, mild illness, death and total disability are all guaranteed;

2. Additional protection can be flexibly matched: you can choose additional multiple compensation for serious illness, multiple compensation for cancer and accidental injury protection.

Insufficient:

1. The proportion of the first two payments for mild illness is low, only 20% of the insured amount, which is unrealistic and there are hidden groups.

2. The cost performance is not high, and the premium burden is heavy, which is not suitable for working families to buy.

Generally speaking, the background of friendly countries is still very strong, but there is still a big gap compared with China's national life, peace and the Pacific Ocean. Of course, you can't just look at the insurance company when buying insurance. In fact, the product itself is the most important. It is best to compare more before buying: "The top ten stocks of critical illness insurance are worth buying! 》

Hope to adopt!

The same number on the whole network: Xueba said insurance, welcome to search!

Source: "Which should I buy, AIA Hongkong or China Ping An Insurance"-Xueba Shuobao Insurance Network