Is Tongfang Global Reliable?

Tongfang Global has done a good job in claims quality and insurance product export. Because many people don't know Tongfang Global and 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 Tongfang Global.

Versailles plus critical illness insurance under Tongfang Global is quite popular, and many small partners are curious about this product. Here, you can also take a sneak peek:

"Versailles plus critical illness insurance has returned heavily, and you must look at the in-depth evaluation before buying! 》

1. What is the background of Tongfang Universal Picture? How about claims service?

Tongfang Universal Picture is a Sino-foreign joint venture insurance company. Let's talk about Tongfang shares first. Now the actual controllers are the State Council SASAC and SASAC. Is everyone at ease? Let's talk about Universal Life International Limited, which was founded in 1844, one of the top ten insurance groups in the world, and ranked among the top 500 in the world in 20 18 139.

With such a big background, claims service can definitely be assured. This company attaches great importance to customer complaints, so it has done an excellent job in claims service for fear of being complained by customers.

Let's look at this picture again. So far, Tongfang's global life insurance claims amount has reached 338 million yuan, the odds of small claims are 99.7%, and the limitation of small claims is 0.2 days.

In July 2020, it has the functions of online application for major claims cases and online agent claims, and customers can complete various claims applications by themselves. Among them, it provides fast payment service for small claims, which can be paid in five seconds at the earliest after the claim application, greatly improving the customer's claim service experience.

In addition, Tongfang Global Life's thinking is very comprehensive. In September 2020, the first phase of hospital direct connection quick compensation was successfully launched. By connecting with the hospital data, the company can directly obtain the medical information of the claims customers without the need for the customers to provide medical information. This setting is really great for customers! As we all know, there are really too many medical information and reports in hospitals. If non-professionals really don't understand what it says, they have no idea what the report is for and how to use it. Even they often throw reports around and make a mess. This setting really saves customers a lot of time and reduces our troubles in this respect, which can be said to be awesome!

Here is an article recently compiled by senior sister, which is about insurance claims. Please click for details:

You need to know what insurance claims contain and how to define disability standards.

Besides payout ratio and payment speed, we should also have good solvency. Generally speaking, the higher the solvency adequacy ratio, the less risk insurance companies face. As long as the core solvency ratio is ≥50% and the comprehensive solvency adequacy ratio is ≥ 100%, it is considered to be up to standard.

Moreover, most insurance companies only have Class B solvency, while Tongfang Universal Picture is basically in Class A, which shows its outstanding strength. Based on this, are you at ease with Tongfang Universal Picture's claims service?

Second, how did Versailles plus perform? Is it worth starting with?

Let's simply pick two points for analysis:

1, mild and moderate diseases for 5 times.

The minor illness protection of critical illness insurance is divided into minor illness and minor illness payment, and the number of times is divided into two and three times, while Versailles plus shares minor illness for five times regardless of the number of times. For example, Lao Wang has paid for China's disease twice. In this case, the general critical illness insurance will no longer guarantee the responsibility of China's disease, while Versailles plus will pay more than 2 times for China's disease, and can pay more than 3 times, but not more than 5 times. Although it is unlikely that there will be three or four cases of moderate/mild illness, Versailles plus is set up to avoid this special situation, which is also the innovation of Versailles plus.

2. Rich reward

Versailles plus has two thresholds, no more than 60 years old, 180% basic coverage, and people aged 60-64 130% coverage. Why is this set? Let's talk about the setting of less than 60 years old. Before the age of 60, most people still have a heavy burden of family responsibilities. Whether it is mortgage and car loan, supporting the elderly, children going to school or reaching the age of marriage, there are so many places to spend money. If you are unfortunately seriously ill before the age of 60 and the cost of treatment is not enough, maybe the quality of life will change.

In order to respond to the needs of people who are unfortunately seriously ill, Versailles plus has specially set an extra 80% insurance coverage. If you buy 500,000 insurance coverage and get a serious illness at the age of 40, you will get 100%+80% of the basic insurance coverage, that is, 500,000+400,000 = 900,000. This money can not only be useful for serious illness treatment, but also play a role in subsidizing family income. This is a very good environment.

60-64 years old, the threshold of 130% insurance can be regarded as an important guarantee in advance, because we are already studying the retirement plan, so it is very likely that we will retire at the age of 65 in the future. Versailles plus hopes to survive the future trend and make changes, and set up a peace of mind guarantee for us in advance.

Generally speaking, Tongfang Universal Picture's claims service is top-notch, and the performance of its product Versailles plus is also very eye-catching. It has many advantages, not just the above two advantages mentioned by senior sister. For example, this product is not very strict with women's health information, and it is not a problem for female friends who have ectopic pregnancy and high blood pressure during pregnancy to insure. The guarantee content is also very complete, such as triple compensation for malignant tumor, and this product provides us with greater flexibility and optional guarantee, which can be matched according to our own needs and budget, and is suitable for friends who pursue the ultimate cost performance.

Here, senior sister also wants to share with you the basic elements of excellent critical illness insurance. Friends who want to know a good critical illness insurance standard can look down ~

"Good critical illness insurance long like this! You have been cheated for so many years ... "

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