1. solvency: in the first quarter of 2002/kloc-0, the comprehensive solvency adequacy ratio and the core solvency adequacy ratio were 173.29% and 157.02%, respectively, and the solvency was acceptable, which was higher than the standards published by the CBRC. It cannot be said that Huaan Insurance is not reliable;
2. From the ranking of complaints: According to the Statistical Table of Insurance Consumer Complaints Indicators (Property Insurance Companies) published by China Banking and Insurance Regulatory Commission, China in March 20021,a total of 73 property insurance companies participated in the appraisal, and the higher the ranking, the higher the complaint rate. According to the ranking of "100 million premium complaints (pieces/100 million yuan)" and "10,000 policy complaints", they are 5 1 and 42nd respectively, which are relatively backward and have a good reputation among consumers. If we analyze the reliability of Huaan Insurance from the complaint rate, it is still trustworthy.
3. Company strength analysis
(1) 1000 More than one organization provides users with convenient services. It is reported that Huaan Insurance has not only improved its economic strength, but also expanded its scale in the development time of more than 20 years. Huaan Insurance is based in Shenzhen and develops into major cities in China. At present, Huaan Insurance has opened branches in Beijing, Shanghai, Shenzhen, Guangdong, Hunan, Fujian and other 3/kloc-0 provinces, municipalities and autonomous regions, with more than 1000 institutions. In other words, it is very convenient for users to buy Huaan Insurance, and it is easy to find branches or subsidiaries of Huaan Insurance to buy insurance products at home. Moreover, in September of 20 13, Huaan Financial Insurance Asset Management Company was formally established, which marked another solid step in the financial collectivization strategy of Huaan Insurance Company. In the future development process, the development of Huaan Insurance will be more stable.
(2) Wide business scope and diverse product types It is reported that the registered capital of Huaan Insurance Company is 26,543.80 billion yuan. Although it is positioned as property insurance, the main business of Huaan Insurance is all kinds of property insurance, liability insurance, credit guarantee insurance, agricultural insurance, accidental injury insurance, short-term health insurance and reinsurance business. It can be seen that Huaan Insurance has a wide range of business and can provide users with diversified insurance services. Not only that, Huaan Insurance respects the value of talents. On the basis of paying attention to users' needs and interests, we will absorb the advanced technology and experience of domestic and foreign counterparts, meet users' different needs with new products, new means and new services, and innovate business models.
1. Quality analysis of insurance products. The quality of insurance company's products is of great significance to users and has a great influence on users' experience of buying insurance. The reason why Huaan Insurance can stand out from the fierce industry competition is inseparable from the insurance company's emphasis on product quality. It is reported that the insurance products of Huaan Insurance have the following characteristics:
(1) product diversification Huaan Insurance's products are diversified. Classic insurance products include cargo transportation insurance, motor vehicle insurance, liability insurance, general accident insurance, sickness insurance, general family property insurance, credit insurance, medical insurance and agricultural insurance. In other words, users can easily find the products they need under Huaan Insurance, whether it is accident insurance, sickness insurance to protect their own health, family property insurance to protect property, or even rare credit insurance and agricultural insurance. It can be seen that Huaan Insurance has a complete range of products and is still quite strong.
(2) Responsibility is cost-effective. The products launched by Huaan Insurance Company are mainly based on high performance ratio, emphasizing the guarantee function of products. For example, the insurance for specific diseases of female nursing, for common primary breast cancer insurance, female specific diseases insurance, female specific cancer in situ insurance, female specific diseases surgery insurance and female specific diseases cosmetic insurance, the maximum coverage is 50,000 yuan, and the guarantee period is 1 year. The annual premium paid by 16-25-year-old women is only in 46 yuan. On the basis of perfecting the guarantee responsibility, the price is also relatively close to the people.
2, corporate culture analysis The so-called values determine behavior and action. The corporate culture of an enterprise can reflect whether the insurance company takes the concept of serving users and sincerely provides thoughtful and thoughtful services to users. Corporate vision of Huaan Insurance is a respected insurance company, and its operating principle is to adhere to the correct concept, grasp the objective theory and maintain rational management. From the service concept of Huaan Insurance, we can see that Huaan Insurance is intimate and close to the people. The service concept of this insurance company is "arrive three minutes earlier than the relatives of customers who are in danger", paying attention to accompanying users to grow up, guarding what users protect, protecting what users protect, and being a conscientious enterprise.