Is it risky to buy insurance in Taikang Life Insurance?

Taikang Life Insurance is a normal insurance company, so there is generally no risk in buying insurance at their home. Insurance itself is a practical tool to help us share risks. According to the latest data, the core/comprehensive solvency adequacy ratio of Taikang Life Insurance in the fourth quarter of 2022 was105.8%/2110.6% respectively, and the comprehensive risk rating result in the last quarter of the same year was BBB, both of which met the standards of the CBRC. Want to know about Taikang Life Insurance and its products, I suggest you read this article: Is Taikang Life Insurance reliable? What about these products?

Taikang Life Insurance paid 7.9 billion yuan in 2022, of which critical illness insurance accounted for 5 1.8%, followed by medical insurance for 3 1.7% and life insurance for 15.6%. The number of claims was 6.5438+0.04 million, of which medical insurance accounted for 92.8%. In the first half of 2022, among the total assets of 73 life insurance companies, Taikang Life Insurance ranked fourth with the total assets of119910.05 million yuan; At the same time, Taikang Life Insurance ranked 9th among 82 life insurance companies with a cumulative profit efficiency of 365,438+04.1%. Therefore, no matter whether you buy guaranteed insurance or wealth management insurance in Taikang Life Insurance, as long as you abide by the contract, you don't have to worry that the insurance company will refuse to pay or can't afford it for no reason ~ For more details about claims, please see this article: What are the correct postures for insurance claims? No compensation!

At present, Taikang Life Insurance has many high-quality products on sale, such as Internet medical insurance for the old age, endowment insurance plan with appointment, recreational lifelong endowment insurance plan, exclusive family whole life insurance, Rui Tianshou whole life insurance and so on. Senior suggested that we should start with guaranteed products, buy critical illness insurance+medical insurance+accident insurance, and then consider buying annuity insurance and whole life insurance. How to buy it specifically, Senior Sister's article tells you: What kind of insurance is better, how to buy it cost-effectively, and teaches you to avoid these pits of insurance.

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