How about Xinhua Life Insurance? Is it reliable?

When it comes to Xinhua, many people may think of "Xinhua Dictionary" at first, but rarely think that Xinhua can also be an insurance company. So what kind of insurance is Xinhua Life Insurance?

Before we begin to explain, let's teach you how to judge whether an insurance company is reliable:

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

1. Is Xinhua Life Strong?

When we buy insurance products, insurance companies are the focus of our attention. Do you know the criteria for choosing an insurance company? There are usually the following four categories: solvency, comprehensive risk rating, service rating and claim efficiency.

Xinhua Life Insurance was established in September, 1996, and its headquarters is in Beijing. It is a large life insurance company. And in 20 14, it was selected as one of the top 500 enterprises in Forbes for the first time.

1, solvency:

Generally speaking, the solvency of a company is inversely proportional to the bankruptcy risk.

The insurance company's core solvency adequacy ratio is not less than 50%, its comprehensive solvency adequacy ratio is not less than 100%, and its comprehensive risk rating is above Grade B..

After studying the pictures, we know that Xinhua Life's solvency is very good, and its solvency is ahead of the starting line. Its latest core solvency adequacy ratio is 268.28%, and its comprehensive solvency adequacy ratio is 277.84%!

2. Comprehensive risk rating:

The number of monitoring indicators, such as solvency adequacy ratio, operational risk, strategic risk, reputation risk, liquidity risk, etc., is the basis for insurance companies to divide into four grades: A, B, C and D, and the grades are directly proportional to their ability to resist risks.

Xinhua Life has a good comprehensive risk rating and strong risk tolerance. The results are all a.

3. Service level:

Insurance companies pay close attention to consumers' consumption feelings and have established a service evaluation system. The rating is divided into AAA, AA, A, BBB, BB, B, CCC, CC, C and D from high to low. The higher the rating, the more comprehensive the company is in terms of services.

The service rating of Xinhua Life Insurance is BB, which is not too high and can be further improved.

4. Comparison of claim limits:

The problem of claim settlement can be said to be the problem we want to know most. After all, the purpose of buying insurance is to get the claim smoothly when we are in danger. Therefore, the claim limit is very important for us to choose an insurance company.

As can be seen from the above, in 20 19 years, the amount of claims made by Xinhua Life Insurance exceeded110/000000 yuan, the premium exemption exceeded 400 million yuan, and the total number of claims exceeded 256. The average number of claims per day is 70 14, and the compensation amount is 304 1 10,000 yuan.

Here, Xinhua Life launched AI quick compensation, which is to improve the efficiency of claims and enhance the user's claims experience. Once again, the limitation of insurance claims has been improved, with an average of only 0.58 days, realizing the "second compensation" of some claims.

Judging from the above data, Xinhua Life Insurance is still worthy of everyone's trust, and you can rest assured that you can insure it!

2. Does the company have any products worth recommending?

Some time ago, Xinhua Life Insurance launched a multiple premium version, and it is said that the compensation for serious illness is 7 times. Because of this, many people have expectations for it. Today, I will mainly evaluate this product!

Serious illness can be divided into five groups and can be compensated seven times, which is the characteristic of multi-insurance and over-distribution. The first group can get up to three times compensation for cancer, and the rest are 1 times for each group. Whenever a serious illness is diagnosed, the highest amount of insurance money and premium will be paid.

20 kinds of chronic diseases are paid according to 50% of the basic insurance amount, and 40 kinds of mild diseases are paid according to 20% of the basic insurance amount, each with its own standards.

After introducing the security situation, Senior Sister was pleasantly surprised to find several advantages of Super Edition Multiple Security:

1, grouping of serious diseases is reasonable:

As a product with serious illness and multiple payments, it is very important whether the grouping is reasonable or not. On the premise that 130 serious diseases are divided into 5 groups in the reuse version, malignant tumors are still regarded as a single group.

After all, the incidence of other serious diseases is not as high as that of malignant tumors, the probability of applying for claims is high, and the cost of treatment is not low. Grouping them separately will not only affect the claims of other diseases, but also help to improve multiple claims.

2. Additional compensation for special illness or death:

As long as the conditions are met, in the case of special illness or death, the beyond version of multiple protection can pay an additional 50% of the basic protection, which obviously improves the protection of serious illness.

However, the shortcomings of Duobao Beyond Edition should not be underestimated, and it was fooled by carelessness:

& gt& gt Weak protection for minor illness: This product not only pays less for minor illness, but also has poor protection. After diagnosis, only 20% of the basic insurance amount is paid.

Most of the critical illness insurance in the market can pay 30%. It's irritating to pay more than once, and even the horizontal line can't be reached.

& gt& gt premium is too expensive: this is a serious injury of multiple guarantees. Let us take the age of 18 as an example. If you buy a 50-year guarantee and pay for 30 years, the annual premium will be as high as more than 10 thousand!

In the case of the same guarantee conditions, it can be done in several thousand yuan, which is an excellent critical illness insurance, but families with poor economic conditions can't afford it, because the price of multiple guarantees beyond the version is half higher.

Sister Xue summed up several good products for everyone below, which are affordable and fully guaranteed:

Ten cheap and excellent critical illness insurance inventory! 》

& gt& gt Insurance age is too narrow: If you are a male aged 18-50, or a female aged 18-55, you can apply for the multi-premium version. This product is very unfriendly to middle-aged and elderly people over 55, so they are restricted from buying it.

Those critical illness insurance that can be insured at the age of 60 or 70 in the market are very harsh in age setting, and men and women are different, which can't be expressed in words at all!

In other words, everyone should be more careful when taking out insurance. If you are not careful, you may be "pitted"! Please check out this pit avoidance book:

"Which is better for critical illness insurance? How to buy it is cost-effective, and teach you to avoid these pits of insurance."

In short, the products with multiple guarantees are generally practical. One disadvantage of this product is its high premium and weak guarantee. You can compare it with others.

Write it at the end

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

If the above content has not solved your problem, you can also come to the official account of WeChat to learn to bully and say that insurance consulting me;

I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.

WeChat official account: Xueba said that insurance costs less, buy the right insurance!