Which serious illness insurance company is good? You will know after reading it.
Of course, you have to choose a reliable insurance company with strong strength and good reputation to buy critical illness insurance, but how to judge? We might as well consider it from the following three aspects.
1. Length of operation history
A century-old brand always has its reasons. Insurance companies have their natural advantages because of their early establishment and long operating history. On behalf of the stable operation, mature operating system, rich customer service experience and level, can provide stable and continuous service for a long time. The longer the operating history of general insurance companies, the higher the safety, the larger the scale, the wider the brand communication and the stronger the credibility. Insurance is a contract, there is no real product. So what we spend money on is the trust and security brought by the insurance company's long-term ability to provide quality services.
2. Solvency level
Solvency, namely solvency. The higher the solvency, the lower the risk. The company has sufficient assets to match its liabilities and sufficient amount to fulfill its obligation to pay insurance or compensation. The higher the solvency, the stronger the performance ability of insurance companies. The level of solvency can be measured from three aspects: solvency score and ranking, comprehensive risk rating and solvency adequacy ratio of CIRC.
3. Advantages and disadvantages of follow-up services
Before the customer pays, the service experience before and during the sale is generally good, and the most important thing is the service after payment. Buying insurance usually leads to many thorny problems, such as insurance liability, content change, claim settlement and so on. Whether we can get a quick answer, whether we are professional, and whether we are active and friendly enough will really affect our insurance experience. Whether there is humanistic care on weekdays, whether there are greetings and blessings on birthdays, weddings and holidays, and whether the payment is promptly reminded. The most important thing is whether the claim settlement process is convenient and fast enough if an insurance accident occurs.
How to choose an insurance company after considering three aspects, I believe everyone knows what to do now. So, which domestic companies are doing better in three aspects at present? China Merchants Cigna Insurance Company is a good choice.
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