Senior, I'll explain it to you.
Before the lecture, my senior sister knew that many people were worried about whether the insurance company would refuse to pay compensation after buying insurance, so don't miss this article;
Is it reliable to buy insurance? Will insurance companies play hooligans and refuse to pay compensation? 》
First, how to choose an insurance company?
There are quite strict rules for the establishment of insurance companies. First of all, the most basic requirement is that the net assets should exceed 200 million yuan. That's why people often say that insurance companies are rich. After all, this is not easy to do.
There are so many insurance companies in the market, how can we choose a good one?
In fact, it is not difficult to see that what we usually care about when buying insurance is whether the insurance company has the ability to pay after the insurance accident. So we can analyze it from the following aspects:
1, solvency adequacy ratio
Solvency is actually quite understandable, that is, the ability of insurance companies to repay debts. In order to make expectations have a good guarantee, we will think about buying insurance, which is equivalent to a "potential debt in the future" for insurance companies. If there is an agreed accident, they will start to pay.
Solvency adequacy ratio is generated by quantification, and generally consists of core solvency adequacy ratio and comprehensive solvency adequacy ratio.
The core solvency adequacy ratio is the ratio of core capital to minimum capital, which mainly measures the adequacy of high-quality capital of insurance companies. The specific requirement of the CBRC is more than 50% (inclusive).
The comprehensive solvency adequacy ratio has a wide range and is a standard to measure the overall capital situation of insurance companies. The comprehensive solvency adequacy ratio of a qualified insurance company shall be greater than 100% (inclusive).
2. Comprehensive risk rating
The content of comprehensive risk rating refers to the further rating level of comprehensive solvency risk of insurance companies, which is divided into four levels: A, B, C and D. The higher the rating, the better. Insurance companies can barely reach the standard when their comprehensive risk rating reaches B (inclusive).
3. Claims service
Dear friends, after determining whether the insurance company has the ability to pay, you should know more about its claims service. Whether the solvency is qualified or not is directly related to whether the insured can get compensation as scheduled after the insurance accident.
Specifically, we can make further judgment from the aspects of insurance company's claim speed, claim process and service guidance.
What should we do with our insurance policy if the insurance company is taken over? The answer lies in this article:
The insurance company has been taken over. What about the insurance I bought? 》
2. Which insurance company is worth recommending?
Theoretical knowledge alone is not enough, in order to impress everyone more. Senior, for example, Tongfang Global Life, let everyone know about the better insurance companies.
Tongfang Universal Life is a company jointly funded by Dutch Universal Life and Tongfang Co., Ltd., with a registered capital of 2.4 billion yuan and assets exceeding 654.38+07 billion yuan. More than 40 offline institutions have been established in Beijing, Shanghai, Guangdong and other regions.
Tongfang Life's third quarterly report in 2022 shows that its core solvency adequacy ratio is 65,438+065,438+08%, and its comprehensive solvency adequacy ratio is 65,438+084%. In the first and second quarters of 2022, its comprehensive risk rating was A, which greatly exceeded the requirements of the CBRC in terms of solvency indicators.
It can be seen that Tongfang Global Life has outstanding performance in terms of company size and solvency. If you want to configure insurance, Tongfang Global Life is really a trustworthy choice.
Versailles PLUS critical illness insurance under Tongfang Global Life Insurance not only has comprehensive disease protection, but also has complete protection for mild, moderate and severe diseases, and the compensation is also quite powerful. If you want to know more about this product, you can read this article:
"Versailles plus critical illness insurance has returned heavily, and you must look at the in-depth evaluation before buying! 》
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
If the above content has not solved your problem, you can also come to the official account of WeChat to learn to bully and say that insurance consulting me;
I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
WeChat official account: Xueba said that insurance costs less, buy the right insurance!