What is the credibility of Fosun United Life?

Fosun United Life has done a good job in claims quality and insurance product export.

But many people don't know about Fosun United Life Insurance, and they don't know much about the strength of this insurance company.

Senior sister will give you a detailed evaluation today to help you better understand and know this insurance company and see if their products are excellent.

First, the secret of Fosun's joint background

2065438+2007+65438+On June 9, 2007, Fosun United Health Insurance Co., Ltd. was formally established with a registered capital of RMB 500 million.

Fosun United Health, as a shareholder, is Dean Diagnostic Technology Group Co., Ltd., which entered the Top 0/00 Hurun China Health Private Enterprise in 2020, with a market value of 654.38+06 billion yuan in 2020. This information can fully prove the strength of Fosun United Health.

Fosun United Health Insurance takes into account the needs of most consumers, and its business scope is wider, including medical insurance, sickness insurance, disability income loss insurance, nursing insurance and accidental injury insurance. It tries its best to provide customers with high-quality life-cycle products, and the established whole-process service system is very intimate.

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Second, is Fosun United really reliable?

Many people want to know whether Fosun and this insurance company are reliable. In fact, they are worried about whether they can get insurance claims after the accident.

There must be a lot of people worried about not paying for the accident, right? I'm afraid my money will be taken away by the insurance company. In fact, no one needs to worry about this. Because the state has relevant institutions to help us, the name of this institution is CBRC.

China Banking and Insurance Regulatory Commission is a unit directly under the State Council. Its main duties are to uniformly supervise the banking and insurance industries in accordance with the law, promote their legal and steady development, prevent and reduce financial risks, protect the legitimate rights and interests of financial consumers, and do a good job in maintaining financial stability.

The daily task of China Banking and Insurance Regulatory Commission is to inspect insurance companies. Insurance companies, big or small, need to be supervised and managed by the CBRC, and Fosun United also needs to be supervised by it. In other words, you don't need to worry about the reliability of Fosun United.

3. What is Fosun's joint solvency?

Solvency is the lifeline of insurance companies. Only when this indicator reaches the minimum standard can we prove that the insurance company has the ability to take responsibility for our policy, which involves claims settlement.

The Banking Health Association makes the following provisions on the solvency of insurance companies: the core solvency adequacy ratio is ≥50%, the comprehensive solvency adequacy ratio is ≥ 100%, and the comprehensive risk rating is ≥ B.

Only by meeting the above three requirements at the same time can the solvency of insurance companies be called up to standard.

In 2022 1 quarter, Fosun's joint core solvency adequacy ratio and comprehensive solvency adequacy ratio reached 6 1.83 1% and 123.6% respectively, and its comprehensive risk rating was Class B. ..

This means that there is no problem with Fosun's solvency index.

4. What insurance is Fosun United worth buying?

Every insurance company has different types of insurance, some companies sell more types of insurance, while others are only committed to building the same type of insurance.

For example, sunshine insurance, the insurance company's auto insurance products are more famous; Judging from Aisheng, an insurance company, its whole life insurance products sell well in the market.

Fosun United takes critical illness insurance as its main product, and Fosun United has spent a lot of energy on critical illness insurance.

Many people may not understand the function of critical illness insurance. In fact, critical illness insurance, as one of the best-selling types of insurance, can provide claims when the insured is diagnosed with serious illness, thus reducing the economic burden caused by illness.

There is no limit to the use of this compensation, which can be used to compensate various expenses, such as the cost of serious illness treatment, physical rehabilitation and income loss.

The critical illness insurance belongs to the category of income loss insurance, and its role is irreplaceable by reimbursement insurance such as medical insurance, so it is very necessary to start!

So what is the most worthwhile critical illness insurance for Fosun United? Senior sister brings you super detailed product evaluation to see how good it is!

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Five, Fosun jointly sells products from the bottom.

Fosun's main products cover accident insurance, medical insurance, high-end medical insurance, sickness insurance and other personal insurance. There are many popular products, such as accident insurance, such as Fosun United Accident Insurance, Fosun United Global Accident Insurance, Fosun United Lejian Lifelong Medical Insurance, Fosun United Transcendence Insurance 2020 Medical Insurance and other medical insurance. High-end medical insurance includes Fosun United Global High-end medical insurance. In terms of sickness insurance, there are Fosun United Lekang Lifelong (202 1 version) critical illness insurance and Fosun United Mommy Bao Bei (new version) children.

So are these popular products really worth buying? What products should Pacific Life not buy? Click on the link below, and Senior Sister will give you a detailed evaluation of the popular products of Pacific Life. You will never step on the pit after reading it!

Is Fosun United Health Insurance Company Reliable? If you want to buy its products, read this article! 》

6. Be sure to read the small pit prevention tips before buying.

There is no need to choose a big company to insure, because the insurance balance guarantees the quality of the content. As long as the quality of the product is satisfactory, it doesn't matter whether it is a product of a "small" company.

Everyone here has analyzed it. Everyone thinks that "small" companies are actually bigger. To set up an insurance company, it is necessary to break through the very high threshold of registered capital. The minimum registered principal of domestic insurance companies is 200 million yuan.

This means that the strength of insurance companies is very good, and there is no evidence that the products produced by large companies must be fine products. Since ancient times, large companies have also introduced many deceptive products.

The choice of insurance is a university question. Take medical insurance for example, you need to master many skills when choosing it, such as whether to guarantee renewal, short-term and long-term, and how to choose medical insurance ... This needs to be analyzed from the actual situation.

Write it at the end

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