Due to the backwardness of the insurance market at that time, AIA became the only wholly foreign-owned insurance company. In order to introduce advanced insurance concepts and models, AIA was approved as a wholly-owned insurance company. Let's learn about AIA as an insurance company.
AIA has a long history.
During the period of 1992, AIA developed in Chinese mainland, but actually AIA entered the mainland market as early as 19 19. 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.
AIA is the only wholly foreign-owned insurance company in China.
It is precisely because AIA entered the China market earlier 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 announces latest solvency
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.
Which insurance companies have higher solvency? I have sorted it out here: the top ten insurance companies with solvency in 2020.
Four. Introduction of AIA products
AIA's main businesses include life insurance, health insurance and accident insurance. The main products are shown in the following figure:
Is AIA worth buying? It depends on the specific product, so I choose a product to briefly introduce it, taking the critical illness insurance "Quanyou Xianghui 20 19" currently promoted by AIA as the evaluation object:
Advantages:
1. Adequate protection: serious illness, mild illness, death and total disability are all guaranteed;
2. Flexible collocation: you can choose to add the protection of serious illness overpayment, cancer overpayment and accidental injury.
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's strength is still very good, but there is still a big gap compared with domestic first-line insurance companies. To buy insurance, in addition to looking at insurance companies, we should actually pay more attention to the products themselves, and we can compare more popular products of the same kind: "Top Ten Hot Critical Illness Insurance Stocks Worth Buying! 》
Hope to adopt!
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Source: Xueba said that insurance official website