China Everbright Bank, China Merchants Cigna Insurance, who has bought it, how is it?

Xueba talks about insurance, focusing on insurance evaluation! Many people pay more attention to insurance companies when buying insurance, and here is a list of insurance companies, come and get it:Which is the best insurance company in the top 10? 》

China Merchants Cigna is a Sino-US joint venture life insurance company, and its shareholders are China Merchants Bank and Cigna North America Life. There are two Fortune 500 financiers in the background, and the waist of China Merchants Cigna is not hard.

In addition to insurance companies, we should pay more attention to the quality of products. China Merchants Cigna is mainly engaged in various types of life insurance business such as accident insurance, annuity insurance, health insurance, etc., and the main products on the official website are mainly critical illness insurance, such as Anxiang Health, Yuexiang Health, etc.

Then I will briefly introduce to you the main critical illness insurance product of China Merchants Cigna - Anxiang Health, and if you want to know more about China Merchants Cigna product evaluation, you can take a look at this article:"How is China Merchants Cigna, is it reliable, and what are the advantages and disadvantages of the product".

Let's take a look at the product introduction of Anxiang Health first:

The advantages can be roughly seen from the figure: except for the double coverage for certain high-incidence cancers, the other benefits are mediocre.

Let's talk about its disadvantages:

Insufficient types of disease: Guarantee the speed of the disease, but lack of high-incidence projects such as "coronary intervention, minimally invasive coronary artery bypass".

There is an interval between minor illnesses: Mild illness is a multi-payment with an interval of 365 days, which is relatively long.

Does not contain moderate symptomsAt present, most products on the market already contain moderate symptoms, and the proportion of claims is reduced if they do not contain moderate symptoms.

There are other shortcomings that are inconvenient to describe here one by one, if you want to know more friends, you may wish to take a look at this article, super complete! "Why I don't recommend you to buy [Anxiang Health], you will know after reading it! 》Hope!

If you buy a bancassurance product at the bank, you will be biased towards financial management, and you can only get compensation if you die. It should be noted that buying insurance is not equal to savings, you can save and withdraw at any time, and the loss is very large if you surrender the insurance in the middle, so you can buy bancassurance if you don't need the money for a period of time.

How about China Merchants Cigna Insurance Company? Uncover the most authentic side of China Merchants Cigna:"How about China Merchants Cigna, is it reliable, what are the advantages and disadvantages of the product".

Unlike insurance companies such as China Life and Ping An with millions of people, China Merchants Cigna is an insurance company without people, mainly relying on online telemarketing and bancassurance channels to expand customers.

1. The "money ability" of China Merchants Cigna

Registered capital: 2.8 billion.

Shareholder background: China Merchants Bank and Cigna Group are both frequent customers of the world's top 500 companies.

2019 premium income: 17.7 billion.

In general, China Merchants Cigna has a strong background, and the funds are also very abundant, and it has hard power!

2. Solvency in the first quarter of 2020

Solvency refers to the ability of an insurance company to fulfill all contractual obligations at any given time, embodies the relationship between assets and liabilities, and is the lifeblood of an insurance company.

The latest comprehensive solvency rating of China Merchants Cigna is A, far exceeding the passing mark set by the China Banking and Insurance Regulatory Commission (CBIRC), and its performance is excellent. And what about those insurance companies with high solvency? You can look at this list, you can look at this list:

Solvency Rankings|In 2020, which insurance company can "pay" the most? 》

3. Are Cigna's products worth buying?

The main business of China Merchants Cigna includes health insurance, accident insurance, annuity insurance and other life insurance business, and the more popular products are: Enjoy Health, Comfortable Life, Million Guardian, etc., and the main products are shown in the figure below

Is Cigna insurance worth buying? It can't be generalized, it is necessary to analyze through the product, taking its popular critical illness insurance "Anxiang Health" as an example, although the protection is passing, but the cost performance is low, you can see this article for a detailed evaluation of Anxiang Health"China Merchants Cigna Anxiang Health:

There's a reason why it's said it's bad.

As well as the free life annuity insurance that many people pay attention to, I also evaluated it:"Zhaohong Town Business Cigna Anxiang Health: There is a reason why the Internet says it is not good. Hope!

China Merchants Cigna Coarse Core God Insurance Company is an insurance company with relatively strong comprehensive strength.

China Merchants Cigna Life Insurance**** is a Sino-US joint venture life insurance company jointly funded and founded by two reputable century-old enterprises, and the shareholders of the two investors are Cigna North America Life Insurance Company and a subsidiary of China Merchants Group. In 2013, China Merchants Cigna completed the equity transfer, and China Merchants Bank officially became the Chinese shareholder of China Merchants Cigna.

Founded in 1792, Cigna North America Life Insurance Company is the first joint-stock insurance company in the United States, and is now part of the Cigna Insurance Group. Cigna Insurance Group is one of the four largest commercial health insurance companies in the United States, operating in 30 countries and regions around the world, providing insurance products and services to more than 80 million customers around the world, and has a global network of more than 1 million health professionals and related facilities.

After ten years of development, its business has covered Guangdong, Beijing, Shanghai, Zhejiang, Jiangsu, Sichuan, Hubei, Shandong, Liaoning and Shaanxi, with more than 500 public and private direct-paying medical institutions in China, and works closely with more than 1 million international medical centers around the world.

In 2013, China Merchants Cigna was awarded the title of "Best Joint Venture Life Insurance Company in China" by Money Weekly[1]. In 2010, in the "2010 Asian Insurance Company Competitiveness Ranking Research Report", China Merchants Cigna was ranked first in the comprehensive competitiveness of China's joint venture life insurance companies, and China Merchants Cigna was rated by the Financial Times and the Institute of Finance of the Chinese Academy of Social Sciences for two consecutive years"Best Foreign Life (Life) Insurance Company"。

CMB Cigna is committed to becoming a true friend of customers, accompanying you, caring for your health, family and wealth, supporting and protecting you, and "corresponding to your heart and commitment to you" whenever and wherever you are. Adhering to the enterprise spirit of "100 years of integrity, 100 promises", we are willing to help every customer have a healthier, happier and more secure life.

Although I am from Taikang and not a member of this insurance company, I heard that this company is not bad in the word of mouth of my hungry customers! It may be that my service impresses the customer! will be insured from my side!

Personally, I think the insurance companies are good! Especially if you are an insurance company with a life insurance business, it depends on the people you choose to serve you!

Do you think the company is more important, or is the quality of the people who serve you more important? Because every insurance company's insurance products are to follow the human death cycle!

**Gong Zheng Chain Division, when insuring the front, you should ask clearly: The insurance contract is stamped with the seal of the head office? Or is it a chapter of a branch? When the insurance does not pay for the time, you have to travel thousands of miles to Shenzhen to call for a lawsuit!

Don't be fooled into buying insurance from other companies, don't buy this, I'm deeply affected by it, ** company.

There is a lot of pressure on sales, there is a basic salary, and there is a raise.

If you choose to do insurance, it's better than ** people.

It's stressful and challenging, so if you can cope with it, you can try it.