Choice of which insurance company, I believe that many people will have this question before taking out insurance, because the current market is particularly large number of insurance companies, buy which product is better?
There are a lot of fans who have recently sent messages to ask, Yongan Insurance in the end is good? Is it a fraudulent insurance company? Can it be relied upon?
While Yongan Insurance doesn't have a great reputation in the insurance industry, we can't underestimate it. Today, my schoolmate will give you a good introduction!
I. What kind of company is Yongan Insurance?
1, the strength of the big bottom!
Yongan Property and Casualty Insurance Company Limited (referred to as: Yongan Insurance) was formally established in September 1996, in fact, it is a state-owned capital-controlled enterprises, the main shareholders are the Shanghai Fosun Group, the extension of the Petroleum Group, Shaanxi Nonferrous Metals Group, etc., in fact, the registered capital has reached 3 billion yuan, and the head office has been placed in the The company's head office has been placed in Xi'an.
As an insurance company established in the trend of economic reform and opening up, Yongan Insurance Company's strength is extraordinary. Until 2021, the total assets of Yongan Insurance have reached the size of 16.472 billion yuan, and the net assets are as much as 5.585 billion yuan. Another is that it has created 28 branches, 1 shipping insurance operation center and so on, all kinds of institutions have as many as 1,042, and its employees are more than 10,000 people. Yongan Insurance has provided property insurance services to many important development projects such as "Jiaolong", "Chang'e-1", "Asia-Pacific-6", Qinghai-Tibet Railway and a series of large-scale enterprises such as PetroChina, China Mobile, Yanchang Petroleum and so on. The company also provides property insurance services to a series of large enterprises, such as PetroChina, China Mobile and Yanchang Petroleum.
This kind of ability is not available to general insurance companies, and from this aspect we can find that Yongan Insurance has quite impressive background strength.
But these are just Yongan Insurance's own data, so how is its overall strength in the industry? Click below to see the list of insurance companies that your schoolmates stayed up late to organize:
"Freshly Released! China's top 10 insurance companies!
2. Is Yongan Insurance reliable?
YongAn Insurance is able to get so many leading companies and big projects in the property insurance business, so it must be very reliable, not to mention that there is also the BIA supervising its operation, which is even more reassuring to us.
The CBI, a member of the "one line, three chambers" that is the equivalent of the insurance industry's insurance companies' "father," not only conducts quarterly, semi-annual and annual audits of each insurance company, but also selects a specific time to publicize each insurance company's performance, and then publishes the results. The company's complaint data is published at random times.
It is believed that no insurance company will make any trouble if the regulation is so strict, and the same is true for Yongan Insurance.
In addition, even if an insurance company is about to go bankrupt because of poor management, the CBIRC will use capital injection, receivership and reorganization to revitalize him by all means, so as to maximize the protection of consumers' insurance rights.
So as long as the BIC doesn't go out of business, no matter how big or small the company is, this point is still very good and you can rest assured.
3, Yongan insurance solvency standards?
What we call solvency is equivalent to, is the ability of the insurance company to pay off the debts of customers. Although there will be the existence of the CBI, people do not have to worry about the problems after the collapse of the insurance company, however, its own ability is a good thing.
There is no clearer standard for determining whether an insurance company's solvency is up to standard. Put your mind at ease, the CBI has long stipulated this. The specific requirements are: core solvency ratio of not less than 50 percent, the combined solvency ratio of not less than 100 percent, and the risk of a comprehensive rating of B class.
You only need to compare Yongan's solvency data with the above standards to find out what level of solvency it is at.
Many of you may be wondering what are the top insurance companies in terms of solvency? Don't worry, the school sister has long been prepared for you, click the following can be viewed:
"2023 solvency ranking of the top ten insurance companies, which is good?
Two: What about YMCA's products?
1. What are the main types of insurance of Yongan Insurance?
While many insurance companies will try to cover every type of insurance for business considerations, there are certainly a few types of insurance that they will pour extra effort into, which are their core types of insurance. Let's say Zongan Insurance's Million Dollar Medical Insurance, Sunshine Insurance's Car Insurance and so on.
According to my sister's research, Yongan Insurance is doing quite well in critical illness and property insurance. Taking critical illness insurance as an example, considering the problems of consumers' expensive and difficult access to doctors and so on, Yongan Insurance tries to make the payout ratio of certain products become higher, and suggests to increase the access to key hospitals.
2, buy insurance anti-trafficking tips!
I believe that you now have a general understanding of Yongan Insurance, and the follow-up to determine whether other insurance companies are reliable, you may also want to refer to the thinking of the school sister.
However, it is not enough to buy insurance just by looking at the insurance company. Because comparing insurance companies, the most important thing is still the chosen product is suitable for you or not, is because everyone has different needs, even if the insurance company has super strength, but also can not confirm that all his products are good.
In order to allow everyone to buy their favorite insurance early, the school sister summarized some of the things that need attention before the insurance, it is recommended to take a good look:
"Before you buy an insurance policy, be sure to get clear on these key knowledge points first!
Written in the end
I am the school bully said insurance, focusing on objective, professional, neutral insurance assessment;
If the above has not solved your problem, you can also come to the public number of the school bully said insurance consult me;
I will give you the most professional advice with years of experience in configuring insurance for 10W+ families.
Public No.: Scholars Say Insurance Spend less money to buy the right insurance!