In fact, there is no need to worry at all, as long as the insurance company is reliable under the supervision of the CBRC.
Generally speaking, to judge whether an insurance company is reliable, you can look at two indicators:
1. View the member units of official website Insurance Association;
2. Use three indicators to judge an insurance company (whether it is reliable).
Senior, let's look at these two indicators through the insurance company Xintai Life Insurance. Interested parties continue to look down!
First, how to inquire about the member units in the insurance association?
First, we enter official website (/) of Insurance Association, and then click "Member Company" in "About Association", as shown below:
Then you can see the information of various insurance companies in China.
As of June 65438+February 3, 20201,there were 339 members of the insurance association.
Among them, there are 0/3 insurance groups (holding companies), 85 property insurance companies, 89 life insurance companies, 0/3 reinsurance companies, 0/5 asset management companies, 62 insurance intermediaries, 45 local insurance associations (including intermediary associations) and insurance-related institutions/kloc-
Ps: Because there are many insurance companies, it is too long to distribute them to everyone. If necessary, talk to me backstage in private.
In fact, this judgment method is very simple, but this method has an obvious deficiency. For insurance companies, knowing superficial knowledge, especially the company's operating and financial conditions, can't see the actual situation.
Just like Anbang Insurance before, everyone's insurance you may know is the reorganization of this insurance company because it can't continue to operate.
Therefore, it is only one-sided to look at the membership list published by the insurance association. We also need to know the operating conditions of insurance companies.
At this time, the second method comes in handy.
Two or three indicators teach you about insurance companies.
There are three indicators here: company background (scale, premium income), solvency and claims service.
1, company background (scale, market value, etc. )
This is the quickest way to judge how an insurance company is.
Xintai Life Insurance was established on May, 2007 18. Is a national life insurance company headquartered in Beijing with a registered capital of 5 billion yuan.
By the end of 20 19, the total assets of Xintai Life Insurance exceeded 55.2 billion yuan and the total number of customers exceeded 3.4 million.
According to official data, from June 5438 to April 2020, Xintai's premium income reached1441600 million yuan, accounting for 0.95% of the total market share, ranking 22nd among domestic life insurance companies.
We can know that Xintai Life Insurance is at the upstream level in terms of premium income and scale, and its strength is still very strong:
What about Xintai Life Insurance? What products are there? What are the good ones? What are the problems?
2. Solvency
Solvency refers to the ability of insurers (insurance companies) to repay debts. To put it bluntly, when you need to apply for a claim, can the insurance company come up with this money?
Moreover, in the regulatory system of the China Insurance Regulatory Commission, insurance companies are required to have a core solvency adequacy ratio of not less than 50%, a comprehensive solvency adequacy ratio of not less than 65,438+000%, and a comprehensive risk rating better than Grade B. Only when these three indicators meet the standards at the same time can they be considered qualified.
If the solvency of an insurance company is judged to be unqualified, the CIRC in charge of management will immediately deal with the incident. Generally speaking, if the intervention effect of the CIRC is not good, another big company will be arranged to take over.
According to the information of the Banking Insurance Regulatory Bureau, we will interpret the solvency situation of Xintai Life Insurance 1 quarter in 2002/quarter for you:
It can be seen that Xintai Life's solvency is up to standard, at least we don't have to worry about whether there will be no money to compensate us.
3. Claims service
Can you pay for it? How long will it take? I believe many friends will have such doubts, so as to measure whether an insurance company is reliable.
I've prepared some claims information for you from insurance companies. You can have a look:
To sum up, the claim odds of Xintai Life Insurance are excellent, reaching 99.6%, and the claim limitation is very short, about 1.5 days. In most cases, it is very efficient to meet the claim requirements after the accident.
And now almost all insurance companies have opened online claims service, and some small claims have been received within one working day (8 hours) when they are settled.
The rest, the insurance association will give the insurance company a service rating, with eight evaluation indicators, the highest is AAA and the lowest is D.
According to the data released by the insurance industry association, in 20 18, the service rating of Xintai Life Insurance was B, which was slightly lower.
To sum up, there is no problem with the solvency of Xintai Life Insurance. Don't worry about losing money, the company is also large in scale, with service outlets all over the country, but the service level is not high.
Sister Xue's opinions are as follows: Xintai Life Insurance is not suitable for users with high demand for offline services; If you pay more attention to the cost performance of products and need good online services, then Xintai Life Insurance can be included in your alternative.
If you are interested in cost-effective products, you can take a look at the new version of Darwin V. If your insurance needs are cost-effective and comprehensive, this product is very suitable for you:
Is the new version of Darwin 5 Huan worth buying? You will know after reading these three points.
Finally, if there is anything else you want to know, you really need the following article. How to judge whether an insurance company is good or not, just look at the following article:
"What should we pay attention to when we pay attention to insurance companies? 》
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
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