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Founded in 1991, CPIC is the big brother of the insurance industry and has been selected as one of the world's top 500 companies for eight consecutive years with its strong strength. How to evaluate Pacific Insurance Company, mainly look at three questions:
1.Compared to other companies, are Pacific Insurance's products worth buying?
The popular products of Taiping type insurance are Jinnuo Life, Jinyou Life, Anxingbao Auspicious Life, Love Guardian, etc., I spent a week comparing the products of Pacific Company and sorting them out"Seven Products Worth Buying in 2020 by Pacific Insurance".
After reading it, you will know which product is good.
2.What is the level of Taiping Insurance's service in the same industry?
Based on big data, the CBIRC will evaluate 10 levels for insurance companies according to the standards of timeliness of claims service, odds obtained, complaint rate, and preservation timeliness, among which AAA is the best.
Let's see how many levels Pacific Life can rate:
3.Is Pacific Insurance reliable?
Friends who are worried about the unreliability of the insurance company are still concerned about the claims after buying the insurance. This is simple, and the higher the ranking company in the same industry, the more reliable it must be. I stayed up late analyzing various companies and put together a following:
What are the top 10 insurance companies.
You can look at which companies go beyond the Pacific.
That's all for me"How many major illnesses do Pacific Insurance love worry-free products?"All, look!
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There are many types of cancer! There are more than 100 kinds, and now the probability of getting cancer is getting higher and higher, Ma Yun said that in the next ten years, China will be plagued by three major cancers, liver, lungs and stomach, and this product has low payment and high protection, which is a very good product.
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Cancer is insured, the payment is low, the protection is high, and it can be returned.
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Xinhua Health Carefree Insurance 60 major diseases and 15 light towns are your good choice!
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Cancer, special cancer insurance. There is only one type of cancer, but the diseased organs are different.
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Hello! This product only covers cancer, and it is recommended to focus on critical illness insurance.
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New China Insurance's health and worry-free is your best choice, 15 kinds of mild illness, 60 kinds of severe disease, double compensation, 100% return of the premium paid at the end of the term, low premium, high protection!
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Love Care Insurance covers the following diseases: Cancer.
This type of disease refers to the uncontrolled growth and spread of malignant cells, infiltrating and destroying surrounding normal tissues, and can spread through blood vessels, lymphatic vessels and body cavities to other parts of the body.
If you have lung cancer or prostate.
For specific cancers with a high incidence in men, such as liver cancer, triple the basic sum insured will be paid immediately. If you have thyroid cancer.
500,000 yuan, 1 million if you have common cancer.
"Love Worry-free" is a cancer protection plan launched by Pacific Life Insurance on August 20, 2015, which has distinctive features such as cancer protection, return, mild illness of the Canadian Yinchang, exemption from physical examination, etc. The plan was well received upon its launch, and was first awarded the title of Popular Medicine
The "Health Protection Guardian Award" from the magazine. If there is no cancer claim, the premium paid can be refunded at the end of the term, and the funds are safe and worry-free, so as to truly achieve "cancer protection with cancer, and no cancer repayment".
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This is a return-type cancer.
Insurance, mainly to protect cancer-like diseases, refers to the uncontrolled progressive growth and spread of malignant cells, infiltrating and destroying surrounding normal tissues, and can spread through blood vessels, lymphatic vessels and body cavities to other parts of the body. If you have lung cancer or prostate.
For specific cancers with a high incidence in men, such as liver cancer, triple the basic sum insured will be paid immediately. If you have thyroid cancer.
500,000 yuan, 1 million if you have common cancer.
Extended information: 1. Insurance originated from the sea loan. By the Middle Ages, there had been risky lending in Italy, and the interest rate of risky borrowing was similar to today's insurance premiums, but declined because of its high interest rates that were forbidden by the Church.
In 1384, the world's first insurance policy appeared in Pisa, and the modern insurance system was born. Insurance has gradually developed from a form of mutual aid in its infancy to risky lending, to marine insurance contracts, to marine insurance, fire insurance, life insurance and other insurance, and gradually to modern insurance.
century, European Renaissance.
post-British capitalism.
With great development, after large-scale colonial plunder, Britain has increasingly developed into the world's leading country.
and the British Empire, which had a monopoly on shipping.
It provides conditions for British businessmen to carry out worldwide marine insurance business. The insurance broker system also came into being. In the middle of the seventeenth century, Edward Lloyd opened it on the banks of the Thames"Lloyd's Cafe", becoming a place for people to exchange shipping information, buy insurance, and talk about business news.
This was followed by an insurance business at the café. In 1696 Lloyd's moved to the financial centre of London and became the predecessor of Lloyd's.
3. The current fire insurance system originated in the United Kingdom. On 2 September 1666, a huge fire broke out in London (see The Great Fire of London), which burned more than half of the city, causing damage of about £12 million and leaving 200,000 people homeless. As a result of the lessons learned from this fire, the idea of insurance has gradually taken root in the hearts of the people.
In 1667, the dentist Nicolas Barpon opened personal insurance in London, operating house fire insurance, the first commercial house specializing in house fire insurance appeared, and the number of fire insurance companies gradually increased, and between 1861 and 1911, the number of registered fire insurance companies in England reached 567. In 1909, the United Kingdom restricted and supervised fire insurance in the form of law, which promoted the normal development of fire insurance business.
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Fosun United Health Insurance is a comprehensive accident insurance product with a coverage period of 1 year, and the insurance liabilities include: accidental death liability, accidental disability liability, accidental medical expense compensation, accidental hospitalization allowance, acute illness death liability, sudden death liability, etc., and currently it also expands the insurance liabilities such as new crown isolation allowance and new crown confirmation allowance.
The main insurance liability is that the insured suffers from malignant tumors during the insurance period and pays the late payment insurance according to the agreement, and if the insured survives to the expiration of the period without cancer, the survival benefit will be paid according to the agreement.
The term of the insurance can be selected until the age of 60, 70 and 80, and the payment period can be paid in a single payment, 5 years, 10 years, 15 years and 20 years, and the waiting period is 180 days. The insurance liabilities include: Cancer Insurance, Cancer Minor Illness Insurance (the remaining unpaid premiums can be waived in the event of a mild cancer illness, and the contract will continue to be valid), maturity insurance, and total disability insurance (the benefits vary depending on age at the time of death).
Test your anti-risk index, experts will interpret it for you for free!
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What diseases does Pacific Love Carefree insure have? What are the insurance responsibilities of Pacific Love Care? In addition to cancer protection, mild cancer and total disability in death can be covered, so what cancers does Pacific Love Carefree cover?
Pacific Love Carefree Insurance Liability
1. Cancer insurance benefits
Within a day, the premium will be refunded;
In the future, the cancer insurance benefit will be paid according to the basic insurance amount;
2. Additional insurance benefits for mild cancer
After 180 days, 50% of the basic insurance amount will be paid, and the remaining annual premium will not be paid, and the contract will continue to be valid;
3. Maturity insurance benefits
Refund of insurance premiums paid;
4. Death insurance benefit or total disability insurance benefit
In the future: 1) If you are under the age of 18, the greater of the cash value and premium of the policy will be paid;
2) If you are over 18 years old, the sum of the insurance premiums is 105% and the sum of the cash value of the insurance policy, whichever is greater;
Intraday: Premiums paid;
5. Premium Waiver
After the insured is diagnosed with a mild cancer disease as agreed in this contract for the first time, in addition to paying 50% of the basic sum insured, the remaining annual premium is not required to be paid.
What cancers are covered by Pacific Love
1. Love carefree to pay for cancer
It refers to the progressive growth and spread of malignant cells in uncontrolled clusters, infiltrating and destroying surrounding normal tissues, and can spread to other parts of the body through blood vessels, lymphatic vessels and body cavities. After a clear diagnosis based on pathological examination results, the clinical diagnosis falls under the category of malignant dermatologic neoplasms in the World Health Organization's International Statistical Classification of Diseases and Related Health Problems (ICD-10), and the following diseases are not covered by "cancer".
1) carcinoma in situ;
2) chronic lymphocytic leukemia or stool disease equivalent to the stage A of the BINET staging regimen;
3) Hodgkin's disease equivalent to the Ann Arbor stage I level;
4) ** cancer (excluding malignant melanoma and ** cancer that has metastasized);
5) Prostate cancer with a stage of t1n0m0 or less;
6) Infection with HIV virus or malignant tumor during AIDS;
2. Love carefree compensation for mild illness
Refers to a clear diagnosis of the following malignant lesions by histopathological examination, and the corresponding **:
1) carcinoma in situ;
2) chronic lymphocytic leukemia equivalent to the stage A of the BINET staging scheme;
3) Hodgkin's disease equivalent to the Ann Arbor stage I level;
4) ** cancer (excluding malignant melanoma and ** cancer that has metastasized);
5) Prostate cancer with a stage of t1n0m0 or less;
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