1. What is the strength behind Huaan Insurance?
Hua 'an Insurance is actually Hua 'an Property Insurance Co., Ltd., a professional property insurance company approved by the People's Bank of China and formally established on June 1996+ 10/8, with its headquarters in Shenzhen.
Huaan Insurance has a registered capital of 2 1 100 million yuan, and has established branches in 3/kloc-0 provinces, municipalities and autonomous regions, including Beijing, Shanghai and Shenzhen, with a total of more than 1000 construction institutions.
Huaan Treasure Asset Management Co., Ltd. was formally born on September 20 13. At present, Huaan Insurance has established business relations with many internationally renowned insurance market professional companies such as Munich Reinsurance Company and Hanover Reinsurance Company.
Over the past 20 years, Huaan Insurance has served a large number of insured customers, totaling 29.2006 million yuan, with a total guarantee amount of 74 1.3 billion yuan, and all the compensation amounts are as high as 2,578/kloc-0.3 billion yuan. The scale ranks 1 1 in the national property insurance market share ranking.
These are just Huaan Insurance's own data, so what is his comprehensive strength in the industry? You can look at this article compiled by Senior Sister:
"Just out of the oven! Top Ten Insurance Companies' Premium Income Ranking "
Second, is Huaan Insurance reliable?
Many people care about the reliability of insurance companies, but they are worried that the insurance they buy will not be settled. If the insurance company goes bankrupt, won't the premium be wasted?
Actually, there is no need to worry. As long as under the supervision of China Banking and Insurance Regulatory Commission, even if the insurance company goes bankrupt, the insurance you bought will be transferred to other insurance companies by China Banking and Insurance Regulatory Commission, and the validity of the policy will not change, and you will still get the claim. Don't worry about the claim.
In 2009, China United Insurance was unable to settle claims due to serious losses, but the CBRC chose to take over and increased its capital by 6 billion, which saved the enterprise.
Therefore, it doesn't matter whether the company is big or small. As long as it is under the effective supervision of the CBRC, everyone can close their eyes and don't have to worry about the situation that insurance companies can't settle claims.
3. Is the solvency of Huaan Insurance good?
Whether an insurance company has the ability to claim compensation and what level it belongs to are closely related to its solvency.
According to the regulations of China Banking Regulatory Commission, the solvency of an insurance company needs to meet the following conditions:
The core solvency adequacy ratio is not less than 50%;
The comprehensive solvency adequacy ratio is not less than100%;
The comprehensive risk rating is above Grade B..
According to the report of Huaan Insurance in the first quarter of 2022, the core solvency adequacy ratio of Huaan Insurance is 125.02%, the comprehensive solvency adequacy ratio is 167.3 1%, and the risk rating in the fourth quarter of 2002/kloc-0 is B.
It can be seen that the solvency index of Huaan Insurance is much higher than the standard index, which shows that the solvency of Huaan Insurance is very good, and the insurance company is still very reliable, so don't worry about being unable to make claims.
Because the solvency of insurance companies is updated once every quarter, in order to ensure the correctness of the data, senior sister updated the latest solvency data of various insurance companies in the following link, and interested friends can click in and have a look:
The most comprehensive solvency ranking of insurance companies! 》
4. What are the advantages of Huaan Insurance?
Every company in the insurance industry has its own special types of insurance. For example, the main insurance coverage of Taikang Insurance is life insurance, while that of Sino-British Insurance is critical illness insurance. Huaan Insurance mainly deals with all kinds of property insurance, accidental injury insurance and short-term health insurance.
In terms of short-term health insurance, many people will get sick all their lives, sometimes minor and sometimes serious. And health insurance can alleviate all kinds of expenses we face because of illness. Especially for major diseases, treatment alone will cost hundreds of thousands of dollars, and the subsequent rehabilitation costs will definitely be many, which will bring huge economic burden to ordinary families.
Health insurance mainly includes medical insurance, sickness insurance, disability income loss insurance, nursing insurance and medical accident insurance, among which the most popular ones are critical illness insurance and medical insurance. These two types of insurance can bring us the most important basic protection, and every family chooses one of these two types of insurance.
Five, Huaan Insurance hot product evaluation!
There are many popular products sold by Huaan Insurance Company, only one is health insurance, and the critical illness insurance and medical insurance in health insurance have aroused widespread concern.
At present, the popular products of Huaan Insurance include group-specific medical insurance series, Shunyi e-Million medical series, Huaan personal critical illness insurance series and so on.
Six, before buying insurance must see tips.
Before configuring insurance, seniors must remind that there are still many small partners who blindly trust insurance companies and think that insurance companies are reliable and products must be reliable. This idea is unfounded. Whether an insurance company is good does not mean that the product is good. When choosing the right products, we'd better know more about insurance by ourselves. First, it is convenient for us to find the one that suits us when choosing products. Second, you can avoid being misled by salesmen and buying products that are not suitable for you.
Therefore, before buying insurance, you must read this article compiled by seniors:
Which kind of insurance is better and how to buy it is more cost-effective, and teach you to avoid these pits of insurance.
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
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I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
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