Is Xintai insurance reliable? If you want to buy it, is it difficult to make a claim?

Xintai Insurance is an Internet insurance company with a registered capital of 5 billion yuan. Its headquarters is in Zhejiang. Although there are not many offline branches, they basically cover the provinces and cities with developed domestic economy.

I specially compiled a ranking table of the top ten insurance companies in China. Come and see the ranking of Xintai Insurance: Top Ten Insurance Companies! Who is vying for the first place?

Now, let's introduce this insurance company in detail:

1. What is the solvency of Xintai Life Insurance?

According to the requirements of China Banking and Insurance Regulatory Commission, the following three indicators of an insurance company must meet the following three conditions before reaching the standard:

Comprehensive solvency adequacy ratio ≥100%;

The core solvency adequacy ratio is ≥ 50%;

The comprehensive risk rating is above Grade B (inclusive).

According to the solvency report for the third quarter of 2002/kloc-0 published by Xintai Life Insurance:

Core solvency adequacy ratio: 15 1.92%

Comprehensive solvency adequacy ratio: 15 1.92%

Risk level: level B.

It can be seen that the solvency of Xintai Life Insurance fully meets the standards of the China Banking Regulatory Commission, and the comprehensive risk rating result is Grade B. In other words, we don't have to worry about the bankruptcy of Xintai Life Insurance.

2. What is the premium scale of Xintai Life Insurance?

I counted the premium income of major insurance companies in 2020, and found that the total premium of Xintai Life Insurance Company was 45 14.5 1, up1/6.88% year-on-year, ranking 17 in the premium ranking of domestic insurance companies.

3. How about the claims service of Xintai Life Insurance?

I specially sorted out the annual claims data tables of various insurance companies in 2020, and found that Xintai Life Insurance Company made only 0.85 million claims last year, with a compensation amount of 294 million. The limitation of payment is 1. 17 days, which is not fast.

In addition, the time limit for small claims of Xintai Life Insurance is only 0. 1 day. This kind of claim limit is very high among many insurance companies.

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