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An insurance company refers to a company as a legal person established in accordance with the Insurance Law and the Company Law. Insurance companies collect premiums, invest premium capital in bonds, stocks, loans and other assets, and use the proceeds of these assets to pay insurance compensation determined by the policy. Through the above business, insurance companies can get higher return on investment and provide customers with appropriate insurance services at lower premiums, thus making profits. 2. The businesses of insurance companies are divided into two categories: (1) life insurance business, including life insurance, health insurance, accident insurance and other insurance businesses. (2) Property insurance business, including property loss insurance, liability insurance, credit insurance, guarantee insurance and other insurance business. Insurance companies in China are generally not allowed to operate life insurance business and property insurance business at the same time.
Three, the insurance company is the insurer in the form of company organization, insurance business. Insurers in insurance relationships have the right to collect insurance premiums and set up insurance funds. At the same time, in the event of an insured accident, it is obliged to compensate the insured for economic losses. Insurance companies are companies that sell insurance contracts and provide risk protection. An insurance company refers to an economic organization that operates the insurance industry. Insurance companies refer to commercial insurance companies established with the approval of China Insurance Regulatory Authority and registered according to law, including direct insurance companies and reinsurance companies.
Fourth, home insurance should be, for example, if your house is damaged, or if your house is damaged due to strong winds and heavy rain, you can pay for it. The theft of your home does not belong to this category, it should belong to property insurance. Family property insurance belongs to the category of family property insurance, which mainly protects the housing losses caused by natural disasters and accidents such as fire, explosion and lightning strike.
Five, home insurance is generally insured by the owners or households, and the insurance rate is 0. 1-0.2%. If there is any loss, the insurance company will calculate the compensation according to the actual value of the house, but it shall not exceed the insured amount. This insurance method does not require the insured to fully insure the actual value of the house, but to insure according to the maximum loss that may occur in the accident.