I am a new immigrant from Hong Kong. What should I do with AIA bought in Chinese mainland?

Is AIA reliable and cost-effective? A good article is for everyone: "Is it bad to say that friends are friends online?" Is it true?/You don't say. /You don't say. 》

It is illegal to sign a friendship in the mainland. In other cases, you can also contact the insurance agent to explain the situation and deal with it. Before buying AIA, you might as well have a brief understanding of this insurance company.

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

AIA first came to China on 19 19, and it didn't officially settle in until 1992. At present, AIA 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.

AIA is the only wholly foreign-owned insurance company in China.

As AIA was established earlier than the promulgation and implementation of the Regulations on the Administration of Foreign-funded Insurance Companies in People's Republic of China (PRC), 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. 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.

So what are the insurance companies with high solvency? You can poke here to find out: solvency ranking | Which insurance company can best "compensate" in 2020? 》

4. Is AIA worth buying?

AIA is mainly engaged in life insurance, health insurance, accident insurance and other life insurance businesses. Let's look at the picture together:

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. Protection for serious and minor diseases, covering all major high-incidence serious and minor diseases, as well as protection for death and total disability;

2. Flexible products: you can choose 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, AIA has a strong background, but there is still a certain gap from the "big" companies in China. If you want to buy insurance, you should pay more attention to the product itself. It is suggested to compare similar products: "Top 10 popular critical illness insurance stocks worth buying! 》

Hope to adopt!

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Source: Xueba said that insurance official website