Is it reliable to buy Ping An Insurance, and how is Ping An Insurance reliable?

1. You are buying products, not brands!

How did the brand come about? Advertising Fee! Is the advertising fee ** coming? The customer pays for the insurance! Every insurance company will advertise, and whoever spends more on advertising means that the more advertising money will be deducted from the money paid by the customer.

2. You are buying products, not services.

Generally, those who sell insurance will give you a gift or something, and invite you to participate in department activities or something in the future, which is called service. This kind of service can be dispensed with. The most important thing is to settle the claim! Claim is the obligation of the insurance company, not called service, you pay for it to settle the claim, it is justified!

3. Everything depends on the liability of insurance products, not the company.

Companies that are legally allowed to sell insurance must have an insurance reserve of 500 million yuan to prevent inexhaustible compensation! The most important thing for the ** person who sells insurance is to explain the contract to you one by one, not to say what brand and fame! If you go to this company, you will definitely say how good the company's products are, and there is no harm if there is no comparison!

Don't be a frog at the bottom of the well, learn more, choose the most suitable for you and the best cost performance.

4. It is not to see whether the company is reliable, but to see whether the person who sells insurance is unreliable (the most important).

The insurance company and the Insurance Regulatory Commission will supervise, all of which meet the standards (even if you play a side ball), the key is that the insurance person is not reliable!

Looking at the insurance ** person is not reliable, not because of his high position (Jiang is still old and spicy), not because of her good image and beautiful temperament, nor because of the newcomer (many college students are fooled into selling insurance, but the learning ability is there, and they will not be able to set the relationship with people, and will only talk about products).

This is very difficult to circumvent, so do more research, check more information, and don't blindly listen to people who sell insurance.

5. I understand the most reliable.

What others say is not necessarily true, it is true to read the terms carefully, and it is really difficult to buy the high-quality insurance you want, unless you understand insurance. Be self-conscious and don't blindly follow others. Learn to compare!

Whether buying insurance is reliable or not depends mainly on the insurance product you buy and the purchase channel, as long as you buy the insurance through the right channels, there will generally be no problem.

According to the data of the first half of 2022, Ping An Life ranks second in terms of total assets among major life insurance companies; Ping An Insurance (Group) Co., Ltd. of China occupies the 25th place in the 2022 Fortune 500 list. From the above information, we can understand that Pina and Lian Insurance is reliable and trustworthy.

If you want to know more about Ping An Insurance Company, you can take a look at this:How about Ping An Life, what products are there, which ones are good, and what are the issues worthy of in-depth analysis?

Next, the senior sister will continue to talk to you about the background strength and recent solvency data of Ping An Life Insurance Company.

1. The strength of the insurance company.

With a registered capital of RMB 33.8 billion, Ping An Life's business scope includes various types of life insurance, underwriting various life insurance businesses in RMB and foreign currencies, etc. The business area includes 30 regions such as Beijing and Tianjin. The overall strength is still very strong.

2. Solvency.

To see whether an insurance company is reliable, in addition to its background strength, another point that needs to be paid attention to is its recent solvency.

According to the solvency report for the third quarter of 2022, Ping An Life's core solvency adequacy ratio is a comprehensive solvency adequacy ratio, and the latest comprehensive risk rating is BB. All data meet the standards set by the China Banking and Insurance Regulatory Commission.

Moreover, its overall solvency ranks 30th among major life insurance companies, which is still relatively high.

Finally, what the senior sister wants to say is that although Ping An Life Insurance is reliable, its products are not necessarily the most cost-effective, so when you buy insurance, you can shop around, pick and choose.

In order to help everyone choose the right insurance product, Senior Sister has also compiled an insurance purchase guide for everyone, you can collect it:[Insurance] which is good, how to buy a good deal, hand in hand to teach you to avoid these pitfalls of insurance

That's all I have for this issue, I hope it helps! Hope!

In 2021, the company ranked 16th in the Fortune Global 500, up 5 places from last year, and ranked 2nd among global financial companies. Forbes Global 2000 rose from 7th to 6th; brandz??Grasshoppers are released in the gully.

Ping An is still reliable.

Ping An is the first joint-stock insurance company in China, and has developed into an integrated, close and diversified integrated financial services group integrating finance, insurance, banking, investment and other financial services. It is not only the largest company in the insurance industry by total market capitalization, but also has a good reputation in the industry for its ultra-low complaint rate. It ranked 7th in the Forbes Global 2000 listed companies in the United States, ranking first among the world's diversified insurance companies and continuing to rank first among Chinese insurance companies.

For those who want to know the ranking of Ping An Insurance in China, you can look here: the 2020 national ranking of insurance companies is newly released! Who is the real "big company" of insurance?

Founded in 1988, Ping An is the big brother of the insurance industry with its business scope including life insurance, property insurance, life insurance, etc. Ping An's core solvency ratio was 231% and its comprehensive solvency ratio was 228%. For more information about Ping An Insurance, see this article written before:

How about Ping An Life, what products are there, which ones are good, what are the pitfalls, and in-depth analysis

Some friends read this and thought that since Ping An Insurance is still reliable, then they can buy its products with confidence? No. Ping An Insurance Company does have a good solvency, but the product is difficult to describe.

Ping An Fu is a popular product of Ping An Insurance, here I compare Ping An Fu with the popular critical illness insurance on the market, and you can see the advantages and disadvantages at a glance:A comparison table of 136 popular critical illness insurances in China

Here I also list the basic information of Ping An Fu 20, you can compare and see:

To name two points:

First of allThere is no coverage for moderate illness, Ping An Fu has been upgraded to the 2020 version, and there is still no protection for moderate illness.

And then there'sThe payout ratio for mild illnesses is low, many high-incidence mild diseases are not guaranteedThere are a large number of diseases, but the protection is not comprehensiveFor example, mild stroke, atypical acute myocardial infarction, chronic renal dysfunction and other mild diseases that are the most common in Chinese people are not guaranteed.

Finally, by the way, in addition to Ping An Insurance, there are many more in the marketCost-effective products sold by other insurance companiesHere I have listed some for reference:Top 10 Cheap and Good Price Critical Illness Insurance** Points!

Ping An Insurance is a large insurance company, an insurance company approved by the insurance regulatory department, and a reliable insurance company. In the 2019 Fortune Global 500 list, Ping An Insurance Company ranked 29th.

In 2019, it ranked 7th in the Forbes Global 2000, jumping three places from its 2018 ranking. It has been ranked No. 1 among global diversified insurance companies, No. 5 among many shortlisted companies in China, and No. 6 among global financial companies.

On September 1, 2019, the list of China's top 500 service enterprises in 2019 was released in Jinan, and Ping An Insurance (Group) of China ranked third. In December 2019, Ping An Insurance (Group) Co., Ltd. of China was selected as one of the top 100 brands in the 2019 China Brand Power Ceremony.

Founded in 1988 in Shekou, Shenzhen, Ping An Insurance (Group) Co., Ltd. (hereinafter referred to as "Ping An Insurance Company of China", "Ping An Insurance Company", "Ping An Group") is the first joint-stock insurance company in China.

It is listed on the main board of the Hong Kong Stock Exchange and the Shanghai ** Stock Exchange, with **** 2318 and 601318 respectively.

Ping An aims to create a logo that integrates traditional Chinese culture and modern brand concept, and the word mark design adopts the philosophical idea of "outer circle and inner square" in traditional Chinese culture, combined with bright and concise international brand design trends, which not only have traditional characteristics, but also show modern fashion style.

In September 2018, Ping An Insurance (Group) Co., Ltd. of China and China Fortune Foundation Co., Ltd. signed a strategic cooperation agreement, and the two parties will become strategic synergistic enterprises to strengthen cooperation in the fields of new industrial cities, comprehensive financial services and coordinated development of emerging industries.

In March 2019, Ping An Insurance Group of China (Ping An of China) entered into a partnership with SingularityNet, a decentralized artificial intelligence (AI) startup based on Ethereum (ETH). The collaboration will focus first on optical character recognition (OCR), computer vision (CV), and model training.

For large insurance companies like Ping An, it is understandable that some products are expensive. First, large scale means that the number of insured people is large, and the risk protection cost of insurance companies is high, so it needs to collect more premiums to cover the risk; Second, large companies like Ping An that rely on salesmen to drive a lot of operating costs, and this money has to come from the policyholders.

Ping An Insurance is reliable. Because the insurance company operates under the strong supervision of the National Banking and Insurance Regulatory Commission, in addition, in the 2019 Fortune 500 list, China Ping arranged to rank 29th! It looks very strong, but I don't know how many of them can be ranked in the ranking list of domestic insurance companies?

Freshly baked! China's Top 10 Insurance Companies Ranking!

If you want to talk about Ping An Insurance, then I will analyze it next.

Ping An Insurance Company is the big brother of the insurance industry, founded in 1988 and headquartered in Shenzhen. Ping An Insurance is one of the top 10 life insurance companies in China and one of the world's top 500 companies.

1. One of the Forbes 2000. This strength is very good!

The China Banking and Insurance Regulatory Commission (CBIRC) has two major indicators for the solvency assessment of insurance companies, that is, the core solvency adequacy ratio should be higher than 50%, and the comprehensive solvency adequacy ratio should be higher than 100%.

In the first quarter of this year, Ping An Insurance Company's core solvency adequacy ratio reached a comprehensive solvency adequacy ratio, which exceeded the passing line several times, which is quite reliable.

Ping An Insurance's business scope is very extensive, such as Ping An Fu, Dafuxing, and e-Life Insurance are all popular products.

Ping An Fu is a classic critical illness insurance series of Ping An Life, and now it has been upgraded to the latest Ping An Fu 20, so I will use it for a brief evaluation.

Let's talk about the advantages and disadvantages of Ping An Fu 20:

Advantages:

1.The responsibility for protection is relatively comprehensiveHigh incidence and mild symptoms are also covered.

2.Exercise meets the standard to increase the sum insured and the sum insured is increased in the event of a mild illness.

3.High brand awareness,There are many branches, and offline services are convenient.

Deficiencies:

1.There is no moderate illness benefit and the compensation ratio for minor illness is low. Many critical illness insurance companies on the market have moderate illness coverage, and most of them have a compensation ratio of more than 30% for minor illness, while Ping An Fu 20 has only 20% for minor illness.

2.The conditions for multiple claims for cancer are relatively strictNot only should there be an interval of 5 years, but the first critical illness must be cancer.

3.**Relatively expensive. There is no need to say this, Ping An Fu 20 is still as expensive as ever, and the cost performance is not high.

If you want to know which critical illness insurance is cheap and comprehensive, you can take a look at this article I have compiledTop 10 Cheap and Good Price Critical Illness Insurance** Points!

Xueba talks about insurance, focusing on insurance evaluation! Let's take a look with me to see where Ping An Insurance Company ranks in the country? What are the top insurance companies besides Ping An?

Peace is unreliable, it is not credible, and you can rest assured that it will not deceive people. How can an insurance company be informal if it has the China Banking and Insurance Regulatory Commission in charge? Therefore, the claim will be settled smoothly according to the contract.

Moreover, the establishment of an insurance company requires at least 200 million funds (laws and regulations are clearly written), and a reliable and credible insurance company can afford to pay enough money.

Ping An Insurance has three businesses: life, pension and property insurance, and we will focus on the life insurance business.

1. What is the strength of Ping An Life Insurance Company?

In 2002, Ping An Life was officially established, and Ping An Life is a very important member of Ping An Insurance Company of China. According to accurate statistics, as of January 1, 2018, Ping An Life's registered capital has exceeded 33 billion yuan. There are more than 40 branches and more than 3,000 business outlets in the country, among which there are 1.38 million life insurers** alone.

What is impressive is that China's top 500 enterprises are ranked. Ping An of China ranked fourth. Let's look directly at the picture.

Industry giant Chinese Life ranks 11th, which is not much different and can be compared. Compared with other companies, Ping An is still much ahead, and these data are enough to show how strong Ping An is.

2. What is the solvency of Ping An Life?

Solvency is the ability of insurance companies to pay us insurance premiums when we need insurance money, and under normal circumstances, the CBIRC has two more important evaluation criteria for the solvency assessment of insurance companies, that is, the core solvency adequacy ratio should be higher than 50%, and the comprehensive solvency adequacy ratio should be higher than 100%. As shown in the figure, you can see a number of data such as Ping An's solvency.

A number of data in the figure can be seen after observation, which is enough to see the strong strength of Ping An Insurance Company of China.

3. Service rating

The China Banking and Insurance Regulatory Commission (CBIRC) conducts research on multiple business processes such as sales, underwriting, and preservation of insurance companies, and evaluates the services of insurance institutions. A total of 10 levels are given in four categories: A, B, C, and D. Ping An of China has a rating of A, which is very high and can be trusted.

Fourth, having said all this, what products does Ping An Life sell?

Ping An of China's first accident insurance, medical insurance and other insurance products.

Let's look at the picture together.

How about peace and happiness?

It is said on the Internet that Ping An Big and Small Lucky Stars are not good, is it true?

It is said on the Internet that Ping An e-life insurance is not good, is it true?