Then senior sister will give you a detailed evaluation today to help you better understand Dinghe Insurance Company.
Firstly, it introduces the background of Dinghe Insurance Company.
Dinghe Insurance Company, also known as Dinghe Property Insurance Co., Ltd., was formally established in May 2008 with a registered capital of 4.643 billion yuan. Headquartered in Shenzhen, Dinghe Insurance Company is a holding subsidiary of China Southern Power Grid Corporation. It has set up 15 provincial institutions and 180 third-and fourth-level institutions in Guangdong, Guangxi, Shanghai, Hubei, Henan and Jiangxi.
Secondly, Dinghe Insurance Company has achieved double growth in premium income and operating profit for many years. Its premium income entered the 5 billion platform for the first time in 20021,and it has obtained the international A3 rating of Moody's Insurance's financial strength, and entered the China insurer and the "Belt and Road" reinsurance body in China.
In addition, Dinghe Insurance Company has won many honorary titles such as "Top Ten Property Insurance Companies with Value Growth in China", "Value Management Insurance Company", "Gold Company with Service Innovation" and "Top 500 Enterprises in Shenzhen".
Generally speaking, the strength of Dinghe Insurance Company is still very good.
Second, is Dinghe Insurance Company really reliable?
Many people are worried that Dinghe Insurance Company is not reliable, and most of them are worried that Dinghe Insurance Company will not pay claims after buying insurance.
In fact, most people don't have to worry too much, because every insurance company established has been continuously screened by the CBRC, and it also needs strict supervision by the CBRC. After the accident, the insurance company will make a claim as long as it meets the corresponding claim conditions.
In the future, even Dinghe insurance company closed down because of poor business conditions. The Banking Insurance Regulatory Commission will hand over the insurance policies to other insurance companies. China Banking and Insurance Regulatory Commission's audit of insurance companies can be said to be excellent. Don't worry, Dinghe Insurance Company's products will be insured.
Since the insurance company is reliable, should you choose a big company or a small company to buy insurance? Details can be poked:
Is it better for a big company or a small company to buy insurance? 》
3. What is the solvency of Dinghe Insurance Company?
Solvency reflects the ability of insurance companies to repay debts, which can be said to symbolize whether insurance companies have the economic conditions to compensate when making claims.
The requirements of China Banking Regulatory Commission on the solvency of insurance companies are: the core solvency adequacy ratio is ≥50%, the comprehensive solvency adequacy ratio is ≥ 100%, and the comprehensive risk rating is ≥ B. Only when the solvency of insurance companies meets the above three requirements can they be qualified.
According to the solvency disclosure of Dinghe Insurance Company in the third quarter of 2022:
Dinghe Insurance Company's core solvency is high, reaching 502.67%, and its comprehensive solvency adequacy ratio is high, reaching 565,438+08.72%. The latest comprehensive risk rating is very good, reaching BBB level, so the solvency is up to standard.
4. What insurance does Dinghe Insurance Company have worth buying?
Each insurance company's characteristic insurance is actually different. For example, the characteristic insurance of Sunshine Insurance is auto insurance, and the characteristic insurance of Zhongan Insurance is millions of medical insurance and so on.
The characteristics of Dinghe Insurance Company are auto insurance and accident insurance, in which accident insurance can reduce the economic burden caused by accidents. Generally speaking, the price ranges from tens to hundreds, and accidents may happen at any time, which is beyond our control, so all men, women and children should be equipped with accident insurance.
5. Hot products of Dinghe Insurance Company.
Let's take a look at the main business of Dinghe Insurance Company: mainly motor vehicle insurance, property loss insurance, liability insurance, short-term health and accidental injury insurance, etc. For example, there are personal accident insurance, motor vehicle driving accident insurance, growth care accident insurance, vehicle accident insurance, gas safety insurance, family comprehensive protection products and so on.
Are these popular products really worth buying? What should I pay attention to when choosing accident insurance? Details can be poked:
Do you want to buy accident insurance, how to buy it, what kinds are there, comprehensive analysis and comparative evaluation.
6. Be sure to read the small pit prevention tips before buying.
Even if we know how to distinguish an insurance company, there are still many things to consider if we want to buy a satisfactory product.
For example, how much coverage should I choose to buy critical illness insurance? Choose lifetime protection or regular protection? In the process of starting medical insurance, should we choose products that guarantee renewal? Whether it involves the reimbursement of proton heavy ions. People get confused and cheated if they are not careful, so they should choose from their own actual situation in the process of buying insurance.
How to choose insurance? Is the more expensive the better? Don't worry! Senior sister has compiled a complete set of insurance strategies for you, telling you how to avoid wasting money and being cheated:
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
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
If the above content has not solved your problem, you can also come to the official account of WeChat to learn to bully and say that insurance consulting me;
I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
WeChat official account: Xueba said that insurance costs less, buy the right insurance!