Huaan Insurance, the full name of Huaan Property Insurance Co., Ltd., is a professional property insurance company approved by the People's Bank of China, with a registered capital of 2 1 100 million yuan, mainly engaged in various property insurance, liability insurance, credit guarantee insurance, agricultural insurance, accident insurance, short-term health insurance and reinsurance business. After years of development, Huaan Insurance has grown into a national financial institution with excellent asset quality, vibrant staff and outstanding innovation ability, and has set up branches in Beijing, Shanghai and other places. If you want to know more about Huaan Insurance, you can also analyze it from these aspects: What should we look at when we look at insurance companies?
We can focus on the solvency of Huaan Insurance, which can reflect the financial stability and solvency of insurance companies. An insurance company's core solvency adequacy ratio is not less than 50%, its comprehensive solvency adequacy ratio is not less than 100%, and its comprehensive risk rating is above Grade B, which is the standard.
According to the solvency report in the fourth quarter of 2022, the core solvency adequacy ratio of Huaan Insurance is 1 18.25%, the comprehensive solvency adequacy ratio is 154.73%, and the comprehensive risk rating in the third quarter of 2022 is Class C, indicating that Huaan Insurance needs to be improved in risk management and control. But we don't have to worry too much about the insurance company's poor management will affect our policy rights. If the insurance company really has no money to pay, it will be taken over by the CBRC. This article will tell you what will happen after the insurance company is taken over: what about the insurance I bought when the insurance company is taken over?
Besides, when we buy insurance in Huaan Insurance, we have to sign an insurance contract, which is legally binding. As long as the insured is in danger during the guarantee period and meets the claim conditions, the insurance company must make compensation according to the regulations regardless of whether there is any problem in its operation. If the insurance company doesn't pay, then we still have to take these measures to protect our rights and interests: in case of unreasonable refusal to pay, we can take it like this!
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