As for which insurance company is better? Take a look at this ranking. Which insurance company has the best service? Look at this ranking.
1. Who is in charge of the insurance company's services? The participating insurance companies are 665,438+0 life insurance companies and 64 property insurance companies that have been in business for three years, so they do not include pension insurance, health insurance companies and companies that have been in business for less than three years.
Since there is evaluation, there must be weight and standard of evaluation. According to the Administrative Measures for Service Evaluation of Insurance Companies issued by China Banking Regulatory Commission, the weights of evaluation indicators are sorted out:
First come to the conclusion:
Life insurance company: it can be seen that the weight of claims service and complaints is relatively high, accounting for 35% and15% respectively; The timeliness of policy delivery is also a great influence factor, 15%.
Property insurance company: Property insurance pays more attention to the efficiency of handling cases, so the relevant weight reaches 40%; The complaint weight is the same as that of life insurance, which is 15%.
Then according to the score of each item, judge AAA, BB, D and other *** 10 grades.
In addition, if there are important service innovations or major negative events, points will be added or subtracted.
Second, the service score is not terrible, and whoever is low is embarrassed. According to personal insurance and property insurance companies, the evaluation grades are sorted out. According to the grading standard, generally above grade B is not bad:
After reading this result, the first feeling is that the service level is not necessarily related to the size of the insurance company.
Take the life insurance company Bank of Communications Kanglian as an example. It is an insurance company that almost no one has heard of, but it firmly occupies a place in AA level.
The so-called service-oriented AIA is only ranked at BBB level, but it misses a level.
As for Centennial Life Insurance, a small and medium-sized insurance company that robbed a lot of dramas in recent two years, it was supervised and inspected some time ago: Centennial Life Insurance was investigated for internal reporting, and this time it was rated as BBB, which is the same gradient as the well-known China Life Insurance.
However, Tongfang Global and China-US Metropolis are well-known companies with CCC ratings.
What is different from other people's mouth or our impression is that what big companies can't see must have good service, while small companies may not have poor service.
On the contrary, some small and medium-sized companies are willing to pay more attention to the service and cost performance of their products in order to improve brand awareness.
Here I think of what my friend said, "price can't decide everything, but we pay more attention to service;" The products of small companies are cheap, but it's no use if you can't claim compensation for an accident. "Is it really difficult for small companies to claim compensation? Is it difficult for small insurance companies to make claims? "You must know these things."
However, when it comes to claims, there is actually a more valuable data in this insurance company service evaluation.
Third, summary.
All big insurance companies have grown up step by step from small companies to medium-sized companies and then to large companies.
The point is not that big companies are safer and small companies are more insecure. This can be seen from the comprehensive risk rating. At home, they are all safe. What we really need to do is: the trade-off between comprehensive service level and price, or balance.