Huaxia Insurance has a complete product system including wealth management insurance, endowment insurance, health insurance, security insurance, children's insurance, life insurance, accident insurance and term insurance. Among them, the best-selling products are: Huaxia Fuguizhu Insurance Financial Plan, Huaxia Fortune 1 Old-age Security (universal and C-type), Huaxia Evergreen Critical Illness Insurance (exclusive version 20 14), Huaxia heirloom whole life insurance (A-type) and Huaxia Fulinmen Universal Financial Insurance Plan (20 15).
Introduction of popular products:
1) Huaxia Fuguizhu Insurance Financial Plan
Fuguizhu product is an innovative insurance wealth management product, which can tailor six insurance plans (children's education plan, children's lucky money growth plan, children's marriage plan, pension plan, travel plan and health check-up plan) according to customers' needs. This product has the following characteristics:
1, invest for three to five years and accompany for fifteen years: you can choose to pay for three to five years, and you can get 15 years of wealth appreciation;
2. The annuity is getting older and the return is getting higher and higher: the annuity returned every year will continue to increase in a certain policy year;
3, the account can be added, and the universal income is good: adding a universal account can add idle funds at any time;
4. Refund the insurance premium when it expires, and you will get rich bamboo: 15. After the expiration, all the insurance premiums paid will be returned.
2) Huaxia Fortune 1 Old-age Security (universal type, type C)
In order to meet customers' steady and value-added family financial needs and achieve both offensive and defensive functions, Huaxia Insurance has specially launched a brand-new insurance financial product-Huaxia Fortune 1 (universal, C-type). Once the product is released, it has been widely praised by new and old customers. Judging from the settlement interest rate published by official website, the monthly settlement interest rate from October to May in 2065438+0414/KLOC-0 is 5%, which gives customers full confidence.
As an upgraded product of Huaxia bancassurance channel, this product has the following characteristics:
1. Both offensive and defensive: the expected annualized rate of return is as high as 5%, which can be attacked and defended; 2.5% annual guaranteed interest rate within 5 years, refundable and insurable. On the basis of ensuring the lowest income, there is a high income expectation, and you can get a continuous dividend after the fifth policy anniversary, which is just suitable for the principle of winning in family financial management.
2. The length is appropriate: the insurance period of this product is 75 years old and can be used for long-term planning; The three-year warranty and part of the collection fee is zero, and it can also be held for a short time.
3. Flexibility and convenience: this product has no initial cost and policy management fee (generally universal insurance charges 3% premium as the initial cost), which can integrate idle funds and facilitate insurance; At the same time, after the hesitation period, the company can apply for a policy pledge loan with 80% of the cash value of the policy contract at the time of borrowing, which is flexible to use.
4. Peace of mind in financial management: after the policy comes into effect, enjoy the benefits according to the contract and terms. Huaxia Insurance announces the account settlement interest rate every month, which makes the income transparent and financial management worry-free.
3) Huaxia evergreen critical illness insurance (20 14 exclusive edition)
1. Safe. Death, total disability, 6 1 serious illness, terminal illness protection, 12 specific serious illness, 13 mild illness and permanent total loss of independent living ability (hereinafter referred to as "disability care"), seven guarantees, and comprehensive protection of life and health.
2. The premium is low. Follow the design of the highest scheduled interest rate of 3.5% stipulated by the China Insurance Regulatory Commission to benefit customers as much as possible. Under the same responsibility, the product has outstanding cost performance, and the insurance premium for specific serious illness, minor illness and disability pays 20% of the insured amount.
3. Keep it for life. Life-long guarantee for death, total disability, serious illness and terminal illness, 84-year-old for specific serious illness and mild illness, and 70-year-old for disability care.
4) Huaxia heirloom whole life insurance (A)
1. Stable income: the insured amount increases with compound interest, which is determined by the interests of customers.
From the second year of the product, the amount of insurance agreed in the contract will increase by 3% compound interest every year to realize the safe and stable appreciation of the customer's policy rights; When the contract payment expires, the cash value of the policy can exceed the premium paid, and with the increase of the life insurance amount, the cash value of the policy keeps increasing.
2. Planning activities: insurance reduction, flexible wealth collection and orderly inheritance.
Products can apply for reducing the insurance amount to get the corresponding cash value compensation to solve unexpected demand; At the same time, the company can designate the beneficiary according to the wishes of the insured, and agree on the proportion and method of receiving when signing the contract, so as to easily realize the orderly inheritance of the policy income. In addition, the limit of120,000 insured persons under the age of 50, as well as the maximum insurance age of 80, make the inheritance of wealth more convenient and smooth.
3. Powerful: emergency policy loans, free of charge.
During the duration of the policy, if the insured is in urgent need of cash, he can apply for a policy pledge loan from Huaxia Insurance with the insurance contract as collateral, and the loan amount can reach up to 80% of the cash value of the policy, and the benefits of the policy will not be affected. In addition, the product comes with the premium exemption function of the insured's accidental death, which fully embodies the risk protection function of insurance.
5) Huaxia Fulinmen Universal Financial Insurance Plan (20 15)
1. Refund of premium-return when the contract expires.
Wealth security is the top priority of investment and financial management. Huaxia Fulinmen Annuity Insurance (20 15) clearly stipulates that if the insured survives until the expiration of this contract, we will pay the due insurance premium according to the premium paid. Achieved the first priority of investment and financial management-keeping the principal.
2. High income-fixed income, increasing compound interest.
On the effective date of the policy, the first annuity will be paid at 10% of the insured amount; On the anniversary of the first policy, the second annuity will be paid at 20% of the insured amount; An annuity of 40% of the insured amount shall be paid on any policy anniversary date from the second policy anniversary date. At the same time, this plan has set up a flexible financial account for customers, which is free of charge, that is, Huaxia Golden Housekeeper Annuity Insurance (universal type, item B), and the returned survival fund will automatically enter this universal account for compound interest, so as to realize the secondary appreciation of the funds in the form of daily interest and monthly compound interest.
3. Find a job-get a flexible and happy life.
The universal account of Golden Butler can be added at any time and collected at any time until life, and its automatic premium payment function saves customers time and worry. At the same time, the account has no initial fee, no policy management fee, no risk premium, no partial fee collection and no surrender fee.
Note: This plan consists of Huaxia Fulinmen Annuity Insurance (20 15) and Huaxia Golden Housekeeper Annuity Insurance (universal, item B).
6) Caring for Bao's critical illness insurance
This product is an innovative fragmented insurance product for online sales channels, which mainly has the following characteristics:
1. Wide coverage (covering 25 major diseases);
2. The product form is simple (the insurance liability only includes the critical illness insurance money);
3. The terminology is easy to understand and easy for customers to understand;
4. Convenient purchase process (direct online insurance and purchase without physical examination);
5. Users can also choose different guarantee quotas according to their own needs. This product is a one-year consumer-oriented serious illness product for people aged 3 to 50, with a maximum insured amount of 200,000 yuan. The insured can apply for insurance only in 0.2 yuan, and at the same time, the insurance can be extended to 60 years on the basis of meeting the conditions, which is the most cost-effective product among many similar types of insurance. The product rate is divided into two grades according to the age of the insured: 3-39 years old and 40-60 years old.
2. Customer service and claim commitment
Huaxia Insurance has experienced customer service managers and professional service planners, established a distinctive VIP customer system, implemented hierarchical management for customers, and provided more experiences with mature customer value-added services. Hold a nationwide customer service festival once a year, and change it from 20 14 to twice a year.
1. Claim limitation
If the application materials are complete, the nature of the case is clear and there is no need for further verification, the insurance company shall make a settlement decision within 10 working days from the date of acceptance, and inform the customer of the settlement result in time; For claims that cannot be determined within 10 working days, the insurance company shall inform the customer of the processing progress.
If the customer's claim information is incomplete, the company will inform the customer to fill in the claim information at one time, so as to avoid multiple round trips.
2. Payment notice
Our company will inform customers to collect insurance money in time after making a settlement decision.
3. Handling of cases that cannot be paid
In the case of non-payment, the company will give the customer a notice of non-payment, and explain the reasons for non-payment and whether non-payment will affect the effectiveness of the insurance contract.
3. Customer Service Festival
Huaxia Insurance Customer Service Festival is quite distinctive in the industry and has attracted much attention from peers. Since 20 14, the customer service festival has been increased from once a year to twice a year, focusing on children and the elderly respectively. Through a variety of public welfare activities, it has aroused widespread concern from the media and society, and has also been highly praised and affirmed by leaders such as insurance industry associations. Relying on the Customer Service Festival, Huaxia Insurance successfully explored the public welfare model of "enterprise-led, social participation" and established a long-term mechanism for corporate charity.
Huaxia Insurance said that the Customer Service Festival, as a unique business card of Huaxia Insurance, shoulders the heavy responsibility of establishing the company image and building the company brand. In the future, Huaxia Insurance will devote itself to creating a boutique customer service festival and a welfare customer service festival. First, some special projects should be standardized and operated continuously, and intensive cultivation should be carried out to form a brand effect; Second, we should constantly study the impact of customer service festival on business and explore how to use customer service festival to contribute more value to the company's business development.
20 14 Huaxia Insurance "Future Star" Customer Service Festival ended successfully in Beijing. This year's Customer Service Festival lasted for 4 months, with children as the main activity and "Let China be full of love" as the theme. The customer service festival runs through the main line of charity and attracts extensive public participation.
Huaxia Insurance 20 14 "Future Star" Customer Service Festival takes public service as the starting point and the children's dream and talent contest as the main activity unit. In the "Action to Realize the Chinese Dream", more than 990 employees from China and 2 15 caring people walked into rural communities during June 1st, and visited 1 148 poor children with caring money and materials, helping poor children realize their June 1st dream. Nearly 100 civil affairs departments, trade associations, caring organizations and communities across the country actively participated in the activities. In the National Children's Talent Competition of "Huaxia Insurance Cup Makes China Full of Love", more than 20,000 contestants from more than 0/00 cities across the country signed up for the competition. Through more than 200 sea elections and preliminary competitions, 1 10 outstanding players participated in the finals of the Head Office, and 30 players won various awards respectively. 4. Underwriting cases
Huaxia Insurance Shandong Branch paid RMB 730,000 for bancassurance.
The insured Li, male, bought two copies of Huaxia Fortune 1 old-age security (universal) at Linchi Business Office in Zouping, Binzhou on October 3, 20 14 and April 24, 20 14, with premiums of 560,000 yuan and 6,543,800 yuan respectively. On May 23rd, 20 14, Zhang died suddenly.
2065438+At the end of June, 2004, the claim adjuster of our Zibo branch received a phone call, and the informant Li, a customer of Zouping City, Binzhou, died of a heart attack. The informant specially asked whether the insurance purchased in Binzhou could be settled in Zibo. With the consent of the branch, the claim adjuster quickly started the claim settlement procedure in different places. After verifying that the accident belongs to the insurance liability, Zibo Zhongzhi Company immediately reported the case to the system, and after receiving the reply from the headquarters, it quickly paid the compensation of 737,900 yuan to the beneficiary's account. According to statistics, this case is also the biggest compensation case of Shandong Branch this year.
The case involved a large amount of money, and the claimant provided professional and quick service, which enabled the insured's family to receive the beneficiary's money smoothly and conveniently and won the recognition of customers.
The borrower's accident insurance of Huaxia Insurance Shaanxi Branch provides risk protection for both borrowers and borrowers.
On March 4th, 20 14, tiandu police station of Fufeng county public security bureau in Baoji city received an alarm from the masses that a man's body was found at the bottom of the ditch of Daleng formation in Shang Lu village, Tiandu town, Fufeng county. After investigation and verification by the public security organs, it was confirmed that the deceased was the insured and died of skull base fracture due to accidental fall. After the incident, the salesman reported the case to our company in time.
After the accident, the Associated Press inquired that on August 30, 20 13, Quanmou borrowed 500,000 yuan from Nanyang Credit Cooperative of Fufeng Association for the turnover of real estate development funds. When borrowing money, he insured the accidental injury insurance of our company's "Fuqinbao" borrower, with the death insurance amount of 500,000 yuan, and the policy came into effect on August 3 13.
From April 2065438 to April 2004, the claim adjuster of our company received a report, on the one hand, he comforted his family members and helped to collect the claim application materials, on the other hand, he visited many parties to verify the accident. Because no one was within one kilometer of the accident site, no one saw it when the accident happened, and many hours have passed since the body of the insured was found, it is difficult to restore the truth of the accident, and it is also difficult to find out whether the death of the insured meets the scope of insurance liability. Although the public security organs have mastered the first-hand information of the accident investigation, it is more difficult to verify the cause of the accident because of the uncooperative of the public security organs. In the end, the company will work with peers to overcome difficulties, verify the truth of the accident in the shortest time and pay customers. On May 30th, 20 14, the beneficiary formally submitted the claim application materials to our company. The company attached great importance to this case, opened a green channel, and closed the case in the system on the same day after verifying the accident.
2065438+On June 9, 2004, Baoji Central Branch of Huaxia Insurance Shaanxi Branch and Fufeng County Rural Credit Cooperative Association held the on-site claim settlement ceremony of "Fuqinbao" business, and paid 500,000 yuan to the beneficiary of this case. Baoji TV Station, Baoji Daily and other media conducted live interviews and reports.
Our high-quality and quick service has won the unanimous praise of the insured's family members and trade unions, which not only brings material compensation and spiritual comfort to the loan families, but also ensures the smooth recovery of trade union loan funds. Through this case, the Associated Press highly appreciated and recognized our products and services, and proposed to further strengthen cooperation to further promote the company's loan insurance business.
Huaxia Insurance Shanghai Branch1130,000 yuan quick settlement moved customers to get another million new orders.
2065438+In late July, 2004, Huaxia Insurance Shanghai Branch received a report from Ms. Zheng's family, examined it quickly, and transferred the claim 1 135700 to the account designated by the family. This is also the highest compensation case currently accepted by Huaxia Insurance Shanghai Branch. The quick payment of Huaxia Insurance touched the customers' families, and the customers' families recommended their friends to apply for insurance in Huaxia Insurance again 1 10,000 yuan.
It is reported that Ms. Zheng purchased Huaxia Insurance's Fortune 1 pension security on August 20 13, and on April 24, 20 14, Ms. Zheng died of respiratory failure after gastric cancer surgery. After the incident, Huaxia Insurance Shanghai Branch attached great importance to it, actively communicated with customers' families, informed them of the required claim materials, and came to collect the claim materials. After a quick investigation, under the condition that all the materials are complete and the facts are clear, Huaxia Insurance Corporation quickly reviewed and paid 65,438+065,438+035 on August 65,438+0, 700 yuan. Huaxia Insurance Shanghai Branch also informed the client's family about the progress of the case on the day of closing the case, and the family members were very satisfied with it.
Efficient claims settlement and enthusiastic service have deepened customers' recognition and trust in Huaxia insurance brand. Just then, Ms. Zheng's daughter learned that a good friend needed to know about insurance products, so she took the initiative to recommend Huaxia Insurance products. On August 8, the customer insured Huaxia Fortune 1 Pension Security 1 10,000 yuan.
Adhering to the core values of "customer interests first", fast and efficient claims service has always been the characteristic of Huaxia Insurance. In 20 13 years, Huaxia insurance started from 3 1780, and the compensation amount was 654.38+800 million yuan; In 20 13, Huaxia insurance's "insurance claim case of 3.46 million yuan due to illness death" created a historical record of the company's single claim, and won the "Top Ten Claims Cases of the Year" in China insurance industry.
Overseas student Huaxia Insurance Beijing Branch quickly claimed 500,000 yuan.
Recently, Mr. Qin, who lives in Chaoyang District, Beijing, quickly received a claim of 500,000 yuan from Huaxia Insurance Beijing Branch. As an international student, Mr. Qin has repeatedly expressed his admiration for Huaxia Insurance's enthusiasm and thoughtfulness in claims service. In an interview with reporters, he said that unlike the feelings of foreign travelers, Huaxia Insurance gave him great comfort when he came back to China and truly realized the corporate culture spirit of "making China full of love".
It is understood that Mr. Qin, who is 24 years old, went abroad to study in Australia in 2009. On June 3, 20 10, his mother insured Huaxia Insurance "Platinum Bottle Pension Insurance (Dividend Type)" and added "Platinum Bottle Critical Illness Insurance" to purchase Huaxia insurance products, with the insured amount of 500,000 yuan. In May of 20 13, Mr. Qin returned to Beijing and was diagnosed with renal insufficiency due to physical discomfort. Later, the condition worsened. 10 June, diagnosed as uremia due to chronic renal failure, and in urgent need of regular dialysis treatment.
After receiving Mr. Qin's claim application, Huaxia Insurance Beijing Branch opened a fast payment channel at the first time, and the claims personnel followed up the service. On the one hand, I went to Mr. Qin's home for a visit and condolences, on the other hand, I completed all the settlement procedures for Mr. Qin in a very short time and delivered the 500,000 yuan settlement to Mr. Qin in time. Mr. Qin, who received the claim payment, was deeply impressed by Huaxia Insurance's quick claim service and was also moved by the enthusiasm of the staff. He called Huaxia Insurance Beijing Branch many times and thanked him again and again. Mr Qin told reporters that as an international student, we should convey the spirit of "making China full of love".
It is reported that over the years, Huaxia Insurance has always adhered to the core values of "customer interests first" and provided humanized claims service for our customers. According to the reporter's interview, up to now, Huaxia Insurance Beijing Branch has quickly handled a number of claims with an insured amount of more than one million yuan, among which the claim with an insured amount of 3.46 million yuan was rated as one of the "Top Ten Claims Cases of China Life in 20 13" and won the recognition and praise of customers with practical actions.
5. Risk control
In order to implement the regulatory requirements, deeply understand the spirit of the document "Emergency Notice on Doing a Good Job in Clearing and Rectifying the Insurance Intermediary Market and Finding out the Base" by the CIRC, and urge all branches to carry out the work of "re-checking and self-checking" in the intermediary business, Huaxia Insurance specially held a video conference on "re-checking and self-checking" in the insurance intermediary market, which was presided over by Li Fei, chairman of the company, and Zhao Ziliang, secretary of the Party Committee, and seriously conveyed the spirit and regulatory requirements of the CIRC in studying and rectifying the insurance intermediary market.