Is Kunlun Health Insurance Reliable?

Brother Bao said insurance, focusing on insurance evaluation! Kunlun Health is very concerned about the development of critical illness insurance. I specially made a comparison table between Kunlun health critical illness insurance and other critical illness insurance, and the critical illness insurance inventory of the top ten insurance companies "worth buying"!

You can have a look first!

Kunlun health insurance is unreliable, but it is also unreliable. Don't worry, it will deceive people. How can it be irregular for the CBRC to manage insurance companies? So it will be settled smoothly according to the contract. Moreover, the establishment of an insurance company needs at least 200 million yuan (laws and regulations are clearly written), and the great confidence of insurance companies in reliability and credibility comes from their strong financial strength.

20 17 Kunlun Health received an inquiry letter from the China Insurance Regulatory Commission, which made many people take a wait-and-see attitude towards this company. After three years, is Kunlun Health reliable now? Let's analyze it today.

(1) company information

China Banking and Insurance Regulatory Commission evaluates solvency adequacy ratio, operational risk and liquidity risk every quarter, and divides insurance companies into four regulatory categories: A, B, C and D. ..

China Banking Regulatory Commission and China released the comprehensive risk rating results of insurance companies in the first quarter of 2020, and Kunlun Health Insurance was rated as Grade A, which shows that Kunlun's health risk is still low, its solvency is sufficient, its management, strategy, reputation and liquidity risks are small, and its users' insurance protection is more secure. So, can Kunlun Health have a good ranking? Click here to view the latest list! Top Ten Insurance Companies in China

(2) Product information

Kunlun has many health products. Select the following two for analysis.

1 .kunlun health insurance 2.0

Kunlun Health Insurance 2.0 has a particularly good place, that is, it includes diseases of the elderly such as Parkinson's disease and Alzheimer's disease into the coverage of China's diseases, and it can pay 50% of the insured amount, which can be said to be very conscience! So what exactly is this product? The detailed analysis is here:

2. Guardian 3

First, the protection diagram is presented.

& gt& gt& gt Advantages:

(1) Severe, moderate and mild diseases are fully covered, and the proportion of compensation is considerable.

The product has comprehensive protection for serious diseases, moderate diseases and minor diseases, and has various guarantees for serious diseases, and can pay compensation twice at most. If it is a serious illness diagnosed in the previous fifteen years, it can pay at most 150% of the basic guarantee, which is a good proportion.

(2) Serious illnesses are not grouped, which improves the probability of multiple payments.

Critical illness insurance can only be paid once in each group without grouping, which greatly improves the probability of paying twice. Compared with other critical illness insurance, this product has more comprehensive critical illness protection.

& gt& gt& gt is insufficient:

Regularly bind the responsibility for death: to protect the 70-year-old, you must increase the option of death compensation.

Through the analysis, we can know that Kunlun Health has products with good cost performance, and the guarantee content is comprehensive, which also meets the needs of most people. Generally speaking, Kunlun Health has not been disappointing in recent years, and there are many good products that can be safely insured.