Can the critical illness insurance of Sino-Dutch Life Insurance be insured? Is it worth buying?

Speaking of Sino-Dutch life insurance, there must be many netizens who are not familiar with it at all. In fact, as the mainstay of the insurance industry, the status of Sino-Dutch Life Insurance is needless to think, and it is definitely very important.

In a private letter, my senior sister just saw a fan friend and asked her to make an in-depth evaluation of Sino-Dutch Life Insurance. Then the senior sister will satisfy the wishes of fans and friends ~

Senior, I'll give you a popular science lesson next. Comprehensive life insurance is exquisite, so let's see if a particularly good life insurance K critical illness insurance it sells is worth buying.

Many people don't understand how to inspect an insurance company. This article can help you:

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

1. Is Sino-Dutch Life Reliable?

Next, let's learn about the ability background and solvency of Sino-Dutch Life Insurance to see if it is worthy of our trust.

1, strength background

Sino-Dutch Life Insurance Co., Ltd. is a joint venture life insurance company, established in 2002, with a registered capital of 654.38+0.95 billion yuan and total assets of 2,365.438+0 billion yuan.

Sino-Dutch Life Insurance was praised by the industry media as "the most growth insurance company", "excellent life insurance company", "value management insurance company" and "influential joint venture insurance company".

BNP Paribas and Bank of Beijing jointly operate Sino-Dutch Life Insurance, covering the Bohai Economic Zone, the Central Plains Economic Zone and the Yangtze River Delta Economic Zone.

2. Solvency

Solvency is one of the important standards to measure whether an insurance company has solvency, and it is the lifeline of an insurance company.

China Banking Regulatory Commission stipulates that companies with core solvency adequacy ratio above 50% and comprehensive solvency adequacy ratio above 100% can meet the standards.

Next, let's take a look at the solvency report of Sino-Dutch Life in the fourth quarter of 2022:

From the figure, we can draw that all the indexes of Sino-Dutch Life Insurance exceed the minimum standards set by the CBRC for insurance companies, which shows that Sino-Dutch Life Insurance is a very trustworthy insurance company.

Come down to witness our important moment today, that is, the evaluation link of K-type critical illness insurance for life-long care of Sino-Dutch life insurance.

Second, how about caring about K critical illness insurance for a lifetime?

As usual, let's take a look at the K-product analysis chart of lifelong care:

According to the picture, 0-60 years old can be equipped with this lifelong care K, which is a lifelong critical illness insurance and can be paid many times.

It is very different from other critical illness insurance. Life-long care K is an optional guarantee responsibility for mild illness, including the protection for serious illness and death.

In addition, lifelong care K mode adds two or three compensations for severe malignant tumor, two severe acute myocardial infarction, two severe stroke sequela and two heart valve operations for free.

Seeing this, do you think the protection is ok, but in fact, the health K model is not perfect!

1, which ensures that the content is quite satisfactory.

Mild and mild diseases, a disease with low pathological degree and high incidence, can make the insured have money to treat the disease and kill it before transferring the serious disease.

There are many serious illness insurances in the market, which have covered the protection of moderate and mild diseases. You need extra money to enjoy such protection.

Moreover, if you take care of K for a lifetime, the security will be more satisfactory, and you can enjoy the protection of moderate and mild diseases at an extra fee. In this case, the required premium will be more.

2. The compensation ratio of malignant tumor is average.

Malignant tumor is actually a disease with high incidence rate, which is the biggest hidden danger to people's life and health.

From the relevant data, we know that the average number of people diagnosed with cancer every day in China has exceeded 1 10,000, with an average of 7.5 people successfully diagnosed with cancer every minute. And the data continues to rise.

The incidence rate keeps increasing by about 3.9% every year, and the mortality rate keeps increasing by 2.5% every year.

From this we can see the importance of malignant tumor in compensation. Although severe malignant tumors can be paid twice or three times, the proportion of compensation is 100% of the basic insured amount.

There are many high-quality critical illness insurance products in the market, and the second payment for cancer has reached more than 100% of the basic insurance coverage.

Is it necessary to add the second compensation for cancer? After reading this article, you will know:

Is it necessary to attach "second compensation for cancer"? If you don't understand these points, be careful to spend money for nothing! 》

3, the cost performance is average

Let's take a 30-year-old male consumer for example. If you buy K-type lifelong care, you will pay 500,000 yuan for life, which will be paid in 30 years, and then cover a mild illness. The final premium is12,255 yuan per year.

Look at the security content and compensation intensity of K-type lifelong nursing. How can such a high price reflect economic benefits?

At present, in the market, for the same type of products, there are many products that are better than K-care for life in terms of coverage, compensation and cost performance, and the annual premium does not exceed 1 10,000 yuan.

In contrast, the K models that care for a lifetime are relatively average in cost performance.

At present, there are many critical illness insurance products with high cost performance on the market. It is really important to be excellent than to take care of K for a lifetime.

I have a very cost-effective critical illness insurance here, and friends in need can take it themselves:

"Top Ten Hot Critical Illness Insurance Inventory Worth Buying! 》

Summary: Although Sino-Dutch life insurance company is a very reliable insurance company. However, although its best-selling K-type critical illness insurance has protection advantages, there are also many places to pay attention to.

If you want to find a more comprehensive and practical insurance friend, Senior Sister still suggests comparing other products and shopping around before buying.

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.

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