First of all, the strength of Taikang Life Insurance is fully revealed.
Taikang Life Insurance, a subsidiary of Taikang Insurance Group Co., Ltd., formerly known as Taikang Life Insurance Co., Ltd., was established in 1996 and headquartered in Beijing. The registered capital of Taikang Life Insurance has accumulated to 3 billion yuan. As of June 365438+February 0, 2020, the company's total assets have exceeded 995 billion yuan, total net assets have exceeded 72.5 billion yuan, and scale premiums have exceeded188 billion yuan. At present, Taikang Life Insurance has set up 36 branches all over the country, serving a total of 654.38+58 billion individual customers, and the total number of claims reached 4.63 million, with a considerable amount of claims reaching 30.6 billion yuan.
Second, is Taikang Life Insurance reliable?
Many people are afraid that Taikang Life Insurance is unreliable, just because they are worried that the insurance company will not settle claims after the accident. In fact, there is no need to worry at all, because the China Banking Regulatory Commission will strictly supervise insurance companies and want to refuse compensation? This is impossible to achieve. Most importantly, the China Banking and Insurance Regulatory Commission conducts annual review, quarterly review and daily review. Every once in a while, the data of complaints from insurance companies will be made public, and it is difficult for insurance companies to claim compensation. Therefore, regardless of the size of the insurance company, as long as there is a CBRC, consumers will not step on the pit.
Since there is no need to worry about claims, which is better, a big company or a small company? This insurance strategy soon got a lot:
Is it better for a big company or a small company to buy insurance? 》
3. Is it easy for Taikang Life Insurance to make claims?
Even under the supervision of the CBRC, there is no need to worry about the failure of insurance companies without help. But we should also focus on the process and difficulty of claim settlement. Then the solvency of the insurance company is a very important factor at this time. After all, the stronger the solvency of an insurance company, the faster the payment will be, and it is not easy to refuse to pay compensation.
Taikang Life Insurance's core solvency adequacy ratio was 133.23% in the first year of 2022, its comprehensive solvency adequacy ratio was 25 1.64%, and its comprehensive risk rating in the latest quarter was Grade B.
China Banking Regulatory Commission (CBRC) stipulates that the solvency of insurance companies is ≥50% for core solvency, ≥ 100% for comprehensive solvency and ≥ B for comprehensive risk rating. Taikang Life Insurance's solvency meets the eligibility line stipulated by CBRC, and it is relatively easy for Taikang Life Insurance to make claims.
Each company has its own main types of insurance and its own advantages. For example, whole life insurance is the main type of insurance operated by Taikang Life Insurance. You know, Taikang Life Insurance has absolutely no choice in its efforts to build the whole life insurance. Whole life insurance can not only provide intimate protection for death or total disability, but even the insured amount will increase year by year. Therefore, it can be seen that whole life insurance is a very good investment target for consumers who want to manage their finances while protecting themselves.
Although the core business of Taikang Life Insurance is selling whole life insurance, what high-yield whole life insurance are there in the industry? This high-yield whole life insurance ranking tells you:
"Just out of the oven! Five High-yield and Profit Increasing whole life insurance, don't miss it! 》
V. Evaluation of Taikang Life Insurance's Best-selling Products
Taikang Life Insurance's core business scope includes life insurance, health insurance, accident insurance, travel insurance and property insurance, ranking among the best in the industry. At the same time, there are many products, including life insurance, life insurance, health insurance and accident insurance.
Sixth, there are still these things to pay attention to before buying insurance.
After reading the above, I believe my friends are very clear about how to judge an insurance company. However, we should remember that it is not enough to pay attention to these when buying insurance. It is not easy to buy cost-effective insurance that suits you, and it often takes some effort. Because generally speaking, different products are different in premium, compensation and coverage. Some whole life insurance only provide death or total disability protection, but some products also provide death or total disability protection in aviation/traffic accidents, so you may step on the pit carelessly.
So how to choose the most cost-effective insurance? With many years of experience in the vertical and horizontal insurance industry, Senior Sister has compiled this insurance strategy for everyone to teach you to avoid pits:
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
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