I. Sunshine Insurance
Sunshine Insurance was established in July 2005. After more than ten years of development, it has become a cutting-edge force in China's financial industry. One of the seven largest insurance groups in China, established in July 2005 with a registered capital of 67105.9 million yuan, was initiated and established by large enterprise groups such as China Petrochemical Group, China Southern Airlines Group, China Aluminum Company, Sinotrans Changhang Group Co., Ltd. and Guangdong Electric Power Development Co., Ltd., mainly engaged in property insurance business and national professional life insurance companies engaged in life insurance, health insurance and accidental injury insurance. Relevant data show that Sunshine Insurance has a comprehensive solvency adequacy ratio of 235%, a core solvency adequacy ratio of 208% and a risk rating of B ... which is more reliable.
Second, judge whether the insurance company is reliable.
First: solvency solvency is the ability of insurance companies to repay debts, that is, when all policies apply for claims, insurance companies have sufficient solvency. However, the higher solvency, the better. The solvency of many newly established insurance companies may exceed 65,438+0,000%. Therefore, as long as it meets the regulatory requirements of the CBRC. The specific requirements are: 1) the core solvency adequacy ratio is not less than 50%; 2) The comprehensive solvency adequacy ratio is not less than 100%.
Second: can't the odds and claims be compensated? How long will it take to compensate? These are issues that consumers are very concerned about, and they are also one of the important indicators to evaluate the quality of an insurance company. Judging from the statistical results of various insurance companies, most of them are above 97%. It can be seen that it is difficult for everyone to claim compensation, and insurance companies do not have as many claims as expected. Of course, there must be a few companies with poor claims prescription, but according to the insurance law, the slowest time can not exceed 30 days.
Third: Comprehensive Service Rating The comprehensive service rating of an insurance company is an index for the China Banking and Insurance Regulatory Commission to evaluate the service quality of an insurance company. Mainly on the evaluation of insurance sales, claims, complaints, consulting and other service links. The comprehensive service level is divided into four levels: A, B, C and D, with A being the best and D being the worst. This set of indicators was put forward by the most authoritative insurance regulators, including China Banking and Insurance Regulatory Commission, China Consumers Association and China Insurance Association. Its authenticity and validity are still very guaranteed. The above three indicators can be inquired by consulting the websites of China Banking and Insurance Regulatory Commission, official website, China or various insurance companies; For listed insurance companies, they can also obtain relevant information through their annual reports and other media. Of course, there is no hard and fast rule about which insurance company is better, and the data also changes every year. Therefore, in buying insurance, in addition to referring to insurance companies, we still have to look at products, terms, coverage and responsibilities. Everyone should choose products according to their actual situation before taking out insurance, so that the selected products are most suitable for them.