CPIC Little Prodigy Accident Insurance CPIC Accident Insurance launched by Pacific Property Insurance is an insurance product for children.
This product is shared3 insured versionsThere are certain differences in the content of the guarantee between different versions.
So what exactly are the guarantees of these three?Is the underwriting company behind it reliable?
Let's take a look with my dad.
|CPIC Little Prodigy Accident Insurance
|Is Pacific P&C Insurance reliable?
|Daddy concluded
CPIC Little Prodigy Accident Insurance is a children's product and is allowedBorn between 30 days and 17 years of ageThe term of insurance is 1 year.
As for its protection content, as shown in the figure below, Daddy will give you a detailed analysis below.
Taibao Little Prodigy No. 5 Children's Accident Insurance is availableThere are three insured versions, namely Basic, Classic and Premium
The specific protection content of each insurance version is shown in the figure above, and the following daddy mainly analyzes the differences between them.
Difference 1: The sum insured is different
The coverage responsibilities are the same for all three insurance plans.
For example:Accidental injury, guardian liability, value-added services, expansion of high-end accident medical treatmentand other security responsibilities are the same.
The difference is that the sum insured varies from version to version under the same benefit.
Under the same protection, the level of the sum insured is often highPremium Edition, Classic Edition, Basic Edition
For example, for the protection liability of accidental death or total disability, the basic version has an insurance amount of 200,000 yuan, the classic version has an insurance amount of 300,000 yuan, and the premium version has an insurance amount of 500,000 yuan.
Difference 2: The premium is different
The coverage amount of the three insurance plans is high and low, and the premium is the same.
The stronger the protection, the higher the premium.
For example, the premium version is more guaranteedThe amount is higher, so its premium is also the highest, need$178 per year
The protection of the classic version is between the basic version and the premium version, so the premium is also in the middle position, requiring 116 yuan per year;
The basic version has minimal protection and a relatively more affordable premium, so you only need it$66 per year
To sum up, the coverage items of CPIC Little Prodigy No. 5 Accident Insurance are quite comprehensive.
Either wayAccidental injuries, fractures, dental restoration, guardian liability, or high-end accidental medical treatment, all within the scope of protection.
In addition, the product provides three insured versions for free selection, fully considering people with different budgets and needs, and quite user-friendly design.
After understanding the basic situation of CPIC Little Prodigy No. 5 Accident Insurance, let's take a look at the reliability of the underwriting company behind it.
Daddy will analyze the company's background and solvency adequacy ratio from two aspects, as follows:
Company background
CPIC Little Prodigy No. 5 Accident Insurance is underwritten by China Pacific Property Insurance.
The insurance company was foundedYear 2001, the registered capital is19.9 billionRMB, abundant capital.
Of course, its shareholders are also very strong.
China Pacific Insurance has a large stakeUp to 985%
It is a well-known listed company in China, with strong capital, which can provide solid financial support for CPIC P&C.
Although the other four ** East have relatively few shares, their background strength should not be underestimated.
These four are all state-owned shares, belong to state-owned enterprises, and have a very strong background.
In short, Pacific Property & Casualty Insurance Company has sufficient capital strength and strong background, which can bring a full sense of security to our customers.
Solvency
Solvency adequacy ratioIt is one of the core indicators to measure the operation status of insurance companies.
According to the data disclosed on the official website of China Pacific Property Insurance, it is that
The Company's comprehensive solvency adequacy ratio and core solvency adequacy ratioAll meet the standards
This shows that the insurance company is operating well and is developing steadily.
Next, let's take a look at its risk assessment level:
The company's comprehensive risk rating for the last two periods is bothAA levelRegulatory requirements not lower than those of Class B.
It can be seen that the company's operational risk is relatively small and within a controllable range.
To sum up, the underwriting company behind CPIC Little Prodigy No. 5 Children's Accident Insuranceis reliable
People have money, strong backgrounds, safety and integrity, and will reasonably compensate for everyone's policy, please rest assured to insure
To sum up, CPIC Little Prodigy No. 5 Accident Insurance has good coverage, and there are many insurance versions that can be freely selected.
In addition, the underwriting company behind it is well-capitalized and safe.
Therefore, you can rest assured that you can buy insurance for this product!