What insurance does the unemployed person of Chinese life expectancy take out at the age of 38

Critical illness insurance, accident insurance, hospitalization medical insurance.

Buy health insurance can give priority to the purchase of critical illness insurance, the probability of a person suffering from critical illness in a lifetime is high, and with the growth of age, the probability of onset is also large, such as cancer, the number of people who suffer from cancer and die at the age of 40-60, accounting for 46% of the total number of cancer, and critical illness insurance is to protect cancer, cardiovascular and cerebrovascular diseases and other high-incidence diseases. We can use it to pay for medical bills, or to make up for lost income if we get sick. How big is the role of critical illness insurance, this article can vividly tell you:

After reading these points, you will know why you should buy critical illness insurance

If the economic conditions allow, in addition to critical illness insurance, we can also complete the types of medical insurance, accident insurance, and life insurance, and the medical hand Zheng hardship insurance can reimburse a larger range of reasonable medical expenses to supplement the limitations of medical insurance reimbursement; Accident insurance can cover personal injury caused by external, sudden, unintentional and non-disease events; Life insurance is an insurance that provides protection for the death of the insured, and the payment condition is the death of the insured, which can transfer the financial risk brought to the family after the death of the insured. The functions of various insurances are also described in detail in this article, so you may wish to learn more:What is the difference between critical illness insurance, medical insurance, accident insurance, and life insurance?

Will there be a conflict when making a claim?

In addition, when buying insurance, we do not need to be limited to Chinese Life, we can look at the products of different insurance companies, compare the products of multiple insurance companies, maybe you can find a more cost-effective product. If you don't know much about other insurance companies, then we can start from several aspects to analyze whether it is reliable or not:When we look at insurance companies, what exactly do we look at?

Hope.

Note that it is very wrong to buy insurance and stick to a certain insurance company! A few days ago, a fan just urged me to quickly sort out a guide for women's insurance, and I happened to brush up on your question, and I will send this guide to you directly, hoping that you will avoid the misunderstanding of buying insurance.

Is Chinese Life Insurance Company reliable? Listen to me slowly analyze it for you

1.The size of the company.

Founded during the founding of the People's Republic of China, Chinese Life is headquartered in Beijing, has branches in many places in China, and is a large state-owned financial and insurance central enterprise. It is no exaggeration to say that Chinese Life is the largest commercial insurance group in China, and among the few insurance groups with assets of more than one trillion yuan, Chinese Life is on the list, and not only that, but it is also a member of the largest institutional investors in China's capital market.

2.Product Introduction.

Property damage insurance, personal health insurance and accident insurance are the main types of insurance operated by Chinese Life. From the following picture, you can clearly see some of the main products of Chinese life:

3.Ability to pay.

The CIRC's assessment of the solvency of insurance companies must meet these two hard indicators, which are higher than 50% of the core solvency adequacy ratio and above 100% of the comprehensive solvency composite ratio. The Chinese life compensation capacity announced by the Insurance Association of China is shown in the figure below

From the data, we can see that the solvency of Chinese Life is really leveraged! In order to give you a better comparison of the solvency of Chinese Life and other companies, I have compiled a list and poked the blue word to view: Is Chinese Life good? What insurance is recommended?

4.Service ratings.

According to the insurance company's sales, underwriting, preservation, claims, consultation, return visits, complaints and other business processes, the insurance regulatory commission will comprehensively evaluate the overall service of the insurance institution, and the service rating is set to four categories: A, B, C, D with a total of 10 levels. As for the quality of service of Chinese Shou, it is really good if it is not blown or black, and the service rating is BBB.

After the above multi-faceted evaluation, the strength of Chinese Life has to be affirmed, in short, this company is very reliable! If you have a big company feeling, Chinese Life is definitely a good choice.