The difference between the insured amount of AIA critical illness insurance is 150,000 and 300,000

Regarding whether AIA is reliable and what is the reputation, let's take a look at this article first:Is AIA a big company? Don't be stupid, take you to understand the other side of it".

The difference in the sum insured of AIA Critical Illness Insurance means that the coverage and premium are different. Next, let's briefly introduce the company AIA.

1. Historical background of AIA

AIA entered China in 1992, but as early as 1919 to enter the mainland market, during which for various reasons and withdrew, the current headquarters is set up in Hong Kong, China, and in the same year in Shanghai set up a branch, from the time of view, can be regarded as a century-old enterprise.

2. AIA became the only wholly foreign-owned insurance company in China

Since AIA was established very early, it successfully avoided the constraint that "the proportion of foreign capital shall not exceed 50% of the company's total share capital" and became the only wholly foreign-owned insurance company in China.

3. AIA announced solvency for the first quarter of 2020

Solvency refers to an insurance company's ability to repay its debts and can be used to measure the financial health of an insurance company.

The latest core solvency announced in 2020 is as high as high, which shows that the company is very well funded and does not have to worry about bankruptcy.

What are the insurance companies with high solvency in 2020, click here to understand:Solvency Rankings|What are the top 10 insurers in 2020? 》

4. Are AIA's products worth buying?

AIA has a comprehensive range of insurance products, including critical illness insurance, medical insurance, accident insurance, life insurance, annuity insurance, etc. The main products are shown in the figure below:

Are AIA products worth buying? To analyze the product form and cost performance, I will pick a product to briefly introduce it, taking AIA's current main critical illness insurance "Quanyou Benefit 2019" as the evaluation object:

Pros:

1.Minor and critical illnesses are covered, covering all major high-incidence critical illnesses and minor illnesses, as well as death and total disability benefits;

2.Flexible mixing: You can choose to add multiple claims for critical illness, multiple claims for cancer, and accidental injury protection.

Inadequate

1.Mild illness coverage is not practical, the first two claims are low, and there is a lack of moderate illness coverage.

It is not cost-effective, the premium burden is heavy, and it is not suitable for working families to buy

In general, AIA's strength is still very strong, but it is far from being compared with China Life, Ping An, Pacific Ocean, etc. When buying insurance, looking at the insurance company is one thing, in fact, it is more important to look at the product itself, so it is recommended to compare other products, maybe there is a better choice:"Top 10 Popular Critical Illness Insurance Points Worth Buying!

Hope!

When the insurance is out of the insurance, the insured amount of 150,000 will pay 150,000 yuan, the insured amount of 300,000 yuan will pay 300,000 yuan, and the high compensation of the insurance is also high.

It's the size of your guarantee, if you have the ability, you can be big, and if you don't have the ability, take your time.

AIA Critical Illness Insurance covers illnesses that usually include Critical Illness, Mild Illness and Moderate Illness, and the specific illnesses are:

28 major diseases are insured, such as malignant tumors - severe, severe acute myocardial infarction, severe stroke sequelae, major organ transplantation, hematopoietic stem cell transplantation, coronary artery bypass grafting, severe chronic renal failure, multiple limb loss, acute severe hepatitis or subacute severe hepatitis, severe non-malignant intracranial tumor, severe chronic liver failure, severe encephalitis sequelae or severe meningitis sequelae, deep coma, deafness in both ears, blindness in both eyes, paralysis, heart valve surgery, severe Alzheimer's disease, severe brain injury, severe primary Parkinson's disease, severe third-degree burns, severe idiopathic pulmonary hypertension, severe motor neuron disease, loss of speech ability, severe regenerative anemia, aortic surgery, severe chronic respiratory failure, severe Crohn's disease, severe ulcerative colitis, and other types of diseases are added by the insurance company itself.

The three types of minor diseases that must be insured include mild malignant tumors, mild acute myocardial infarction, and mild sequelae of stroke, and other minor diseases are added by the insurance company itself.

Common diseases with moderate disease include early primary cardiomyopathy, implantation of cardiac defibrillators, laser myocardial revascularization, sequelae of moderate encephalitis or meningitis, moderate myasthenia gravis, moderate paralysis, moderate progressive supranuclear palsy, moderately severe ulcerative colitis, moderate severe aplastic anemia, moderate tuberculous myelitis, early cirrhosis, severe impairment of binocular vision, moderate Crohn's disease, moderate muscular dystrophy, specific surgery for ankylosing spondylitis**, minor third-degree burns, Moderate brain injury, loss of a single limb, severe facial burns from an accident, moderate rheumatoid arthritis. Answer: Tong.