Perhaps many small partners are worried that insurance companies have no money to settle claims, so let's take a look at the solvency of insurance companies. Solvency can reflect the financial stability of insurance companies, and it is also an important reference factor for many consumers to choose insurance companies.
The CBRC stipulates that the solvency of an insurance company meets the above three conditions, that is, the company whose solvency meets the standard:
Core solvency adequacy ratio? 50%; Comprehensive solvency adequacy ratio? 100%; The comprehensive risk rating is above Grade B..
The solvency report of Hetai Life Insurance in the third quarter of 2022 shows that its core solvency adequacy ratio is 65,438+049.49%, its comprehensive solvency adequacy ratio is 65,438+054.75%, and its comprehensive risk rating in the second quarter of 2022 is BB, which shows that Hetai Life Insurance has the strength to pay claims, so we don't have to worry about its lack of money. Don't be afraid if you are worried that the insurance company will refuse to pay compensation unreasonably. We can take these effective measures to safeguard our rights: in case of unreasonable refusal to pay compensation, we can take it like this!
If you want to buy insurance, actually seeing the insurance company is only a reference factor. It is very important to choose the right product according to personal safety needs and economic conditions. Different insurance products are different in terms of coverage content, insurance rules, expenses, claims conditions and so on. Only the right insurance is worth buying. Senior sister directly shares this insurance strategy with everyone, which can help you buy the right products: which insurance is good and how to buy it cost-effectively, and teach you to avoid these pits of insurance.
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