However, many people don't know much about BOC Insurance and the strength of this insurance company, so they dare not rashly make moves.
Senior sister will give you a detailed evaluation today to help you better understand and know BOC Insurance.
1. Background disclosure of BOC insurance
BOC Insurance Co., Ltd. (hereinafter referred to as "BOC Insurance") was established on June 5, 2005 with a registered capital of 4,535.08 million yuan.
The business scope of BOC Insurance is as follows: property loss insurance; Liability insurance; Credit insurance and guarantee insurance; Short-term health insurance and accident insurance; Reinsurance business of the above business; Insurance fund utilization business permitted by national laws and regulations; Other businesses approved by the Bank of China Insurance Regulatory Commission; Part-time insurance agent
So, can BOC Insurance be selected as one of the top ten insurance companies in China? Look here and you will know:
"Just out of the oven! Top Ten Insurance Companies in China! 》
Second, is BOC Insurance really reliable?
Many people want to know whether BOC Insurance is a reliable insurance company. In fact, what they are worried about is whether the insured can get compensation after the insurance is allocated by BOC Insurance.
In fact, we don't need to worry about this problem, because all insurance companies in China are supervised by regulators, who will protect the rights and interests of our consumers. This regulatory body is also what we often call the China Banking Regulatory Commission.
China Banking Regulatory Commission is a public institution directly under the State Council. Committed to the unified supervision and management of the banking and insurance industries in accordance with the law, maintaining their lawful and steady operations, preventing and defusing financial risks, protecting the legitimate rights and interests of financial consumers and achieving financial stability.
BOC Insurance is supervised by the China Banking Regulatory Commission (CBRC), which makes great efforts to examine insurance companies. No matter how big or small the insurance company is, the CBRC will not lower the examination standard, so we don't need to worry about whether BOC Insurance is a trustworthy company.
3. What is the solvency of BOC Insurance?
Solvency is the lifeline of insurance companies. Only when this index reaches the standard can we prove that the insurance company has the ability to be responsible for our policy, which involves the big problem of claim settlement.
The CBRC has set the following conditions for solvency: core solvency adequacy ratio ≥50%, comprehensive solvency adequacy ratio ≥ 100%, and comprehensive risk rating ≥ B.
Let's first understand the solvency of BOC Insurance in 2022 1 quarter:
Based on the above, it can be found that the core solvency adequacy ratio and comprehensive solvency adequacy ratio of BOC Insurance reached 246.93% and 264.04% respectively, and the latest comprehensive risk rating got an A.
It can be understood that the solvency index of BOC Insurance has reached the threshold.
4. What insurance is worth buying for BOC Insurance?
Every insurance company has different types of insurance, some companies sell a wide range of insurance, and some insurance companies only focus on selling the same type of insurance products.
Like sunshine insurance, this insurance company's auto insurance products are more famous; For the insurance company Tongfang Global Life, its critical illness insurance products sell well.
The main characteristic types of insurance operated by BOC Insurance Company are property insurance, such as motor vehicle insurance, family property insurance and other personal insurance businesses, as well as enterprise property insurance, engineering insurance, ship insurance and other enterprise insurance products.
Even in terms of personal protection, it is included in the sales scope of BOC Insurance Company, and the accident insurance products of BOC Insurance sell well.
Accidental injury insurance takes the insured's body as the protection object, and the conditions for paying insurance money are death, disability, medical expenses or temporary loss of work ability caused by accidental injury.
Verb (abbreviation of verb) The starting point of popular products of BOC Insurance.
The main business scope of BOC Insurance involves life insurance, bank insurance, enterprise insurance and many other insurance businesses, and its products are very popular.
From the standpoint of personal insurance, BOC Insurance has these popular accident insurance products: personal accident insurance B, additional personal accident burn insurance, additional personal accident medical insurance, additional personal accident hospitalization allowance insurance and so on.
So are these popular products really worth buying? What products should BOC Insurance not buy? Click on the link below, and Senior Sister will give you a detailed evaluation of the popular products of BOC Insurance. You will never step on the pit after reading it!
"The insurance that the bank sells must be good? You will know after reading the critical illness insurance of BOC Insurance! 》
6. Be sure to read the small pit prevention tips before buying.
Although we have read the above, we can know that BOC Insurance is indeed a reliable insurance company, and buying insurance at its home will definitely not be cheated, but this does not mean that everyone can choose BOC Insurance products for insurance at will.
When buying insurance, you must consider it according to your own insurance needs. Don't follow suit when you see a product selling well. If the product you buy doesn't suit your situation, you will spend so much money in vain.
There are many skills involved in buying insurance, and it is easy for into the pit to be cheated.
Click on the link below, and Senior Sister has created a three-step method to judge whether this insurance is worth buying in one minute! Look before you buy it! It's hard to be 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!