First, the secret of China's peace forces!
The strength and background of China Ping 'an are very strong! The well-known China Ping An Life Insurance Company of China Insurance Company is an important member of China Ping An Insurance (Group) Co., Ltd., and China Ping An was formally established in 2002 with a registered capital of 33.8 billion yuan.
By the end of 20021,the enterprise had directly set up 35 branches and 7 telemarketing centers all over the country, with more than 3250 business outlets. The whole of China has its service network, which not only provides customers with life insurance products, but also brings services.
And China Ping An has also been highly recognized and praised by the industry and consumers. In 20021year, China Ping An Company won many awards, such as "Excellent Enterprise in Guangdong-Hong Kong-Macao Greater Bay Area", "Ark Award for Gold Insurance Products", "Best Customer Experience Innovative Insurance Company" and "Demonstration Enterprise of Insurance Claims of the Year".
These are just China Ping An's own data, so what is his comprehensive strength in the industry? Click on the link below to view the latest insurance company rankings compiled by Xuejie:
"Just out of the oven! Top Ten Insurance Companies in China! 》
Second, how reliable is peace in China?
I don't know if you have this concern when buying insurance: "Is this company reliable?" "If it is not reliable, will you run away if you buy the insurance of its home?"
Regarding everyone's doubts and concerns similar to the above, the senior sister thinks it is reasonable; However, the senior can tell you seriously that you really don't have to worry about the insurance company running away without paying!
Even if the insurance company's performance is not good, it can't continue to operate, which leads to the bankruptcy of the company, and China Banking and Insurance Regulatory Commission will handle this matter; Even if the situation is worse, if the intervention of the CBRC can't make us get the compensation we deserve, then your policy will be taken over by other insurance companies, and the policy will still be valid, and the protection content will be the same as before!
So don't worry about the insurance company refusing to pay compensation, as long as there is a CBRC, don't worry!
3. What is the solvency of China Ping An?
Although under the supervision of CBRC, people will not worry that the insurance company will not pay compensation, it will be even worse if the insured needs to apply for compensation from the insurance company when he is in danger.
At this time, it depends on whether the solvency and claims service of the insurance company are satisfactory! After all, if there is no problem with funds, the settlement speed will be faster and the settlement service will naturally improve accordingly.
Then some friends may feel confused. What are the specific criteria for good solvency?
Don't worry! Regarding the measurement of solvency, the CBRC has also formulated certain standards: the core solvency adequacy ratio is ≥50%, the comprehensive solvency adequacy ratio is ≥ 100%, and the comprehensive risk rating is ≥ B. As long as the insurance company meets this solvency standard, it is up to standard. Don't worry. There is absolutely no need to worry that the insurance company will "can't afford it".
So who are the companies with the highest solvency in the industry? After reading this article, you will know:
The most comprehensive solvency ranking of insurance companies! 》
4. What types of insurance are worth buying in China Ping An?
China Ping An has a wide range of business, mainly life insurance and health insurance, and each family has its own trump card, so does China Ping An, such as Ping An E Life Million Medical 2022 upgraded version, Ping An Royal Jin Rui Insurance Product Plan, etc.
China Ping An's upgraded version of Ping An E Life Insurance Million Medical Care 2022 is mainly a one-year medical insurance product, which not only covers a wide range of ages, but also covers a wide range of protection, and enjoys zero deductible for special disease medical treatment and out-of-hospital tumor-specific drug costs.
Fifth, the pit prevention strategy that must be seen before buying!
After reading the above, friends should have a good idea of how to treat an insurance company, but buying insurance is a more cautious thing. While paying attention to insurance companies, we should also choose insurance products that suit us and are cost-effective!
Different types of insurance have different characteristics and standards, such as coverage content, waiting period, coverage period and payment period. These are all "different according to risks", so everyone must choose carefully according to their actual needs.
So how to choose insurance, is the more expensive the better? Don't worry! Senior sister has compiled a super comprehensive insurance strategy for everyone, telling you how to avoid spending money and into the pit!
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!