The annual claims data of insurance companies can not only reflect the insurance company's claim timeliness, but also provide insight into some useful and critical information, which can be used as a very important reference data for insurance protection planning.
No, the 2023 claims annual reports of 77 insurance companies are here.
Dora's detailed pulling, the content is very much, but in fact, as long as you know the following 4 points, you can step on a lot of pits!
Let's look down
Many friends buy insurance, thinking that the company is big, and the claim will be settled quickly.
In fact, there is no difference between large and small companies in terms of odds.
The figure below shows a summary of the odds and claim timeliness of 77 insurance companies.
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It can be seen that Xiaokang Life Insurance, National Treasure Life Insurance, Bohai Life Insurance, and Shanghai Life Insurance.
China-Korea Life Insurance, Ruitai Life Insurance and other "small insurance companies" are over 995% or more.
It is not much different from big insurance companies such as Chinese Life and Ping An Life.
You may not have heard of Happy Life, but people get 100% odds, and small claims only need 038 days!
Therefore, when buying insurance, don't use the size of the insurance company as a one-size-fits-all policy, so it is easy for you to miss out on cost-effective products.
In the annual report of claims, the top 3 diseases of critical illness claims are almost the same:
Malignant tumors, heart diseases, cerebrovascular diseases.
These three types of critical illnesses have become the "three major killers" that threaten life and health.
Among them, thyroid cancer is the first disease with a high incidence in men and women, followed by lung cancer, acute myocardial infarction, and breast cancer.
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You must know that once you suffer from a major illness, in addition to the high costs, there are also expenses, nursing expenses, nutrition expenses, living expenses and other expenses, and at the same time, you also have to suffer from the loss of income.
Therefore, when buying critical illness insurance, you must buy enough coverage.
Secondly, priority will be given to additional compensation and cancer secondary compensation allowance
Cardiovascular and cerebrovascular disease protection products.
In this way, even if the sum insured is only 500,000, the final claim will be settled, and more than 1 million may be paid, which can be used for recuperation and make up for the loss of income!
Especially for female friends, the probability of suffering from a critical illness is much higher than that of men.
Among the 77 insurance companies, 15 had the largest claim amount of more than 10 million, of which Harbour Life paid 59.38 million yuan.
The main reason for the accident is death from illness, accounting for more than 80% or even as high as 90%.
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The risk of death in men is significantly higher than that in women.
The top three diseases of death are usually malignant tumors, cardiovascular and cerebrovascular diseases, and sudden death;
The top three deaths in an accident are usually traffic accidents, drowning, and high falls, which need to be paid attention to, especially for male friends.
From the perspective of age, the risk of death over 40 years old has increased sharply, and the risk of 50-60 years old is the largest.
To prevent the risk of death from illness, start with a life insurance guarantee, keep love without debt, and give good protection to your family.
At present, Dora's recommended term life insurance: Huagui Damai flagship version A, the insurance amount of 1 million for a 30-year-old woman is as low as 600 yuan, and the insurance amount of 1 million yuan for a 30-year-old man is only about 1,000 yuan.
The classification of insurance companies into insurance age groups is also very consistent:
0-17 years old, with a high incidence of critical illness in children;
18-40 years old, career rise and family stability;
41-60 years old, life ** period;
Over 61 years old, in the period of retirement or grandchildren.
The age group of critical illness insurance, both men and women, is basically concentrated in 30-60 years old.
The age of 41-60 is the age group with a high incidence of critical illness.
In addition, the insurance pattern of medical insurance and critical illness insurance is very similar, and it is also concentrated in the stage of 41-60 years old.
There are old and young, and it is the main family economy, once it falls, it will be a devastating blow to the whole family.
When you are in your forties or fifties, you should consider protection insurance, which is cost-effective and cost-effective, so you must plan as early as possible and allocate adequate protection.
In recent years, children have been suffering from high incidence of special diseases, such as leukemia, lymphoma, brain tumors and so on.
In the event of an unfortunate encounter, the ** fee is basically one million, so the more ordinary the family, the more essential medical security is.
In summary, critical illness claims show a trend of younger people, malignant tumors, heart diseases, and cerebrovascular diseases are the three major health killers, and the risk of disease in women is higher than that of men, and the risk of death in men is higher than that of women.
The most cost-effective way to prevent possible risks such as illness, accidents, and death is to leverage high protection with a small amount of money and pass on the risk in advance.
Critical illness insurance, medical insurance, life insurance, and accident insurance, these four types of insurance have their own responsibilities and can provide all-round protection for families.
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