Dida Insurance is a national property insurance company approved by the State Council and established by China Insurance Regulatory Commission. It is the only property insurance company directly under China Reinsurance (Group) Co., Ltd., with a registered capital of about 65,438+0,565,438+0 billion yuan. It has set up 39 branches and 1 business department, with the total number of institutions exceeding 2 1, and its business institutions cover all provinces in China. If you want to have a more comprehensive understanding of the earth insurance, it is not enough to just look at the strength of the company. Then by analyzing these aspects, we can have a deeper understanding: what should we look at when looking at insurance companies?
Solvency can reflect whether an insurance company has the ability to repay debts, which is of reference significance to consumers. The China Banking Regulatory Commission stipulates that an insurance company's core solvency adequacy ratio is not less than 50%, its comprehensive solvency adequacy ratio is not less than 65,438+000%, and its comprehensive risk rating is above Grade B, which is the standard.
The solvency report of Dida Insurance in the third quarter of 2022 shows that its core solvency adequacy ratio is 255%, its comprehensive solvency adequacy ratio is 275%, and its comprehensive risk rating in the second quarter of 2022 is Class A, which is up to standard. We can rest assured.
Perhaps some people are more worried about buying the insurance of Dida Insurance, even if the insurance company has money, it will not settle claims, so we should analyze the reasons to see whether the insurance meets the conditions for claims and whether the claims information is accurate and complete.
Insurance cannot cover everything. The contract clearly stipulates what can be insured and what can't be insured, and what are the claim conditions. All claims are bound by the contract.
The submitted claims data should also be complete and accurate, otherwise a slight mistake may lead to the insurance company refusing to pay or reducing the amount of claims. Regarding the claim, the following is the raiders guide. I suggest you take a closer look: what are the general claims materials? Details determine the success or failure of the claim.
If the insurance company still refuses to pay if it meets the claim conditions and the submitted information is accurate and complete, we can safeguard our rights and interests by complaining to the headquarters of the insurance company and the local insurance regulatory authorities. The specific ways of safeguarding rights are all in this article. I suggest you master them first, just in case: in case of unreasonable refusal to pay compensation, you can set them like this!
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