1. AIA? Hundred years of history
AIA 1992 entered China, but entered the mainland market as early as 19 19, and later withdrew for various reasons. At present, AIA is headquartered in Hongkong, China, and set up a branch in Shanghai in the same year. In terms of time, it can be regarded as a century-old enterprise.
Second, the only wholly foreign-owned insurance company
It is precisely because AIA was established early that it successfully circumvented the restriction that the proportion of foreign capital should not exceed 50% of the company's total share capital and became the only wholly foreign-owned insurance company in China.
Three. AIA announced its solvency in the first quarter of 2020.
Solvency refers to the ability of insurance companies to repay debts, which reflects the relationship between assets and liabilities. The higher the solvency, the less likely the company will go bankrupt.
The newly announced core solvency in 2020 is as high as 464.37%, which shows that the company has abundant funds and does not have to worry about bankruptcy.
I sorted out the insurance companies with high solvency in 2020: the latest list! Top Ten Insurance Companies in China
4. Are AIA products worth buying?
AIA's main businesses include life insurance, health insurance and accident insurance. The following table lists these functions:
Is AIA worth buying? If you want to analyze by product, I will briefly introduce a product, taking AIA's critical illness insurance "Quanyou Xianghui 20 19" as the evaluation object:
Advantages:
1. The guarantee is basically sufficient: serious illness, mild illness, death and total disability are all guaranteed;
2. Additional protection can be flexibly selected: you can choose additional multiple compensation for serious illness, multiple compensation for cancer and accidental injury protection.
Insufficient:
1. Only 20% of the insured amount is paid for the first two mild cases, which is not practical enough. There are hidden groups, such as brain diseases, and only one of the four items is paid.
2. The cost performance is not high, and the premium burden is heavy, which is not suitable for working families to buy.
Generally speaking, AIA still has strength and strong background, but there is still a big gap compared with domestic first-line brands. For those who want to buy insurance, besides looking at insurance companies, they should actually pay more attention to the products themselves, and can compare more popular products of the same kind: the latest list! Top Ten Insurance Companies in China