First, the strength of life in Beijing has gone up!
On February 4th, 20 18, Beijing Life Insurance was approved by the Insurance Regulatory Commission of Bank of China.
This is a national life insurance company co-founded by state-owned enterprises, collective enterprises and social enterprises. With a registered capital of 2.86 billion yuan, the shares involve many fields and are extremely rich in resources.
The Insurance Law stipulates that the registered capital of insurance companies is at least 200 million yuan, while the registered capital of Beijing Life Insurance is as high as 2.86 billion yuan, which shows how abundant the funds are and how strong the strength is. It is by no means a "small" company in the general sense.
However, it should be noted that these are only the data of Beijing Life Insurance Company. So what is the comprehensive strength of this company in the industry? Click on the link below to see the latest ranking of insurance companies compiled by Senior Sister Hematemesis:
"Just out of the oven! Top Ten Insurance Companies in China! 》
Second, is Beijing life insurance reliable?
Many people are worried that Beijing Life is not trustworthy, that is, they are worried that after they have insured the insurance products of this company, the insurance company will not be able to settle claims.
In fact, this will not happen at all. Little friends don't have to worry at all. The establishment and operation of any insurance company must be controlled by China Banking and Insurance Regulatory Commission. If there is an insurance accident that meets the agreement when purchasing Beijing Life Insurance, and the insurance company assumes that it will not settle claims, then the CBRC will not let this company go.
In addition, China Banking and Insurance Regulatory Commission, China pays close attention to the dynamics of insurance companies and informs them of the complaint data.
Under the strict supervision of CBRC, there is no difference between any insurance company and Beijing Life Insurance.
3. What is the solvency of Beijing Life?
Although there is strict supervision by the China Banking Regulatory Commission, consumers don't have to worry too much about insurance companies running away, but when we buy insurance, we naturally want to choose companies with fast claims and relatively simple claims procedures, so that when we are in danger, we can get insurance money in the least time. But this in itself is a test of the solvency of insurance companies.
Why is this? The so-called solvency, in short, is the insurance company's ability to repay debts, and in vernacular Chinese, it is: whether the insurance company has the ability to pay.
Judging from the regulatory system of the CIRC, it must be stipulated that the core solvency adequacy ratio of insurance companies is above 50%, the comprehensive solvency adequacy ratio is above 100%, and the comprehensive risk rating is above B. You need to meet the conditions of these three indicators at the same time to be qualified.
Since 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 Beijing Life Insurance Company in the following link. Let's see if it meets the standards.
Is life in Beijing reliable? Is the product worth buying? An article reveals the secret! 》
4. What insurance is Beijing Life worth buying?
There are not many all-round talents, and there are also few all-round companies. In order to build the brand effect of the company, most insurance companies usually focus on building the main types of insurance. For example, the main insurance of Zhongan Insurance is millions of medical insurance, and Sunshine Insurance is committed to auto insurance and so on.
Beijing Life has invested a lot of resources and energy in the operation of critical illness insurance, which is regarded as the company's main characteristic insurance. Beijing Life Insurance Company explores the development field of critical illness insurance at a deeper level. In the planning of critical illness insurance module, considering the problem of difficult and expensive medical treatment for customers from reality, we have made breakthroughs in the development of additional compensation for critical illness, green services for key hospitals, and compensation for critical illness in advance, so that customers can afford medical treatment and have a good hospital, and ensure that families have sufficient financial support during medical treatment.
If your illness happens to be specified in the critical illness insurance contract or reaches the specified level, the insurance company will pay an indemnity according to the insured amount. It's up to you how to spend the money, whether to supplement medical expenses, recuperation expenses or family expenses. Critical illness insurance is actually equivalent to income loss insurance.
5. Anti-pit tips that must be seen before buying insurance.
It is not enough to know how to determine the strength of an insurance company. If you want to buy quality insurance that suits your situation, you need to pay attention to many details. Just like critical illness insurance, good critical illness insurance should also pay attention to the looseness of insurance threshold, such as whether health notification is strict, whether there are pits in the definition of claims for certain diseases and so on. These are all places that people can't care about when buying critical illness insurance.
So, when you start insurance, don't blindly follow suit. First of all, you must know your own needs. Only when you have a special understanding of what you need, the products you buy are cost-effective and appropriate.
Of course, there are more things to pay attention to when buying insurance. Don't worry about choosing insurance! Senior sister has compiled a super comprehensive insurance strategy for you, telling you how to avoid spending money and into the pit!
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
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