Today, Senior Sister gives you a detailed evaluation to help you better understand and know the Harmonious Health Insurance Company.
First of all, the secret of harmonious and healthy background.
Harmony Health Insurance Company opened in 2006, with a registered value of 654.38+0.39 billion yuan and assets of about 320 billion yuan. Headquartered in Chengdu, there are 654.38+05 provincial branches and 57 branches in China.
Nowadays, the scale of Harmony Health in China is not small. 15 provincial branches and 57 branches provide customers with comprehensive health insurance services with a wide service network.
These data still seem not intuitive enough? Click on the link below, and the seniors will stay up late to sort out the latest insurance company rankings to help you avoid the pit and not step on the thunder:
"Just out of the oven! Top Ten Insurance Companies in China! 》
Second, is harmony healthy and reliable?
Many people in this insurance company are skeptical about harmonious health, mainly because they are worried that after starting harmonious health, they will not be able to make claims later.
Actually, there is no need to worry. Relevant institutions should supervise insurance companies, and this institution is known as the China Banking Regulatory Commission.
At the beginning of 20 18, China Banking Regulatory Commission and China Insurance Regulatory Commission merged to form China Banking Regulatory Commission.
In fact, the CBRC's duty is to examine whether insurance companies meet the standards. In the form of quarterly review, semi-annual review and annual review, he will stare at it day by day and review it day by day. At the same time, the data of complaints from insurance companies will be further publicized to help consumers carry out lightning protection in time.
Under such strict management in China Banking and Insurance Regulatory Commission, insurance companies can't come casually, and so can Harmony and Health.
No matter how big or small the insurance companies are, as long as they are supervised and managed by the CBRC, there is no need to worry about losing the legitimate interests of their insurance policies.
Third, what is the solvency of harmony and health?
Generally speaking, even if the insurance company goes bankrupt, you don't have to be afraid of the invalidation of the policy, but if the settlement process is not smooth and the settlement conditions are harsh, it will be very unpleasant.
So here, let's talk about one of the inspection standards of insurance companies-solvency.
As we all know, China Banking Regulatory Commission has made such regulations on the solvency of insurance companies: the core solvency adequacy ratio is ≥50%, the comprehensive solvency adequacy ratio is ≥ 100%, and the comprehensive risk rating is ≥ B.
Only when the above three requirements are met at the same time can the solvency of insurance companies be considered up to standard.
4. What kind of insurance is worth buying for harmony and health?
Generally speaking, every insurance company will have a particularly popular type of insurance.
Just like Zhongan Insurance's main insurance is millions of medical insurance, Sunshine Insurance's main insurance is auto insurance and so on.
The main characteristic insurance of Harmony Health Insurance Company is critical illness insurance. In the construction of critical illness insurance, Harmony Health Insurance Company can be said to go all out.
Not only is the guarantee more comprehensive, but the proportion of compensation can also be comparable to that of mainstream products, and even more than mainstream products.
From most people's point of view, critical illness insurance is relatively new. In fact, the definition of critical illness insurance is easy to understand.
Critical illness insurance can pay a lump sum of money when the insured is unfortunately suffering from a serious illness, and its use is unlimited. This money can be used to treat a serious illness and help families get through this difficult period.
In other words, critical illness insurance is a kind of income loss insurance, and the reimbursement insurance of medical insurance can't play this role, so we should start!
5. Reveal the products of Harmony Health Insurance Company! I will definitely knock your chin off!
Harmonious and healthy management of a number of businesses, such as health insurance, accident insurance, life insurance, accident insurance and other personal insurance business. There are many popular products, such as critical illness insurance, medical insurance, accident insurance, nursing insurance, baby growth insurance, accident insurance, comprehensive well-being and so on.
So are these popular products really worth buying? What products should we not buy for the sake of harmony and health? Click on the link below, and senior sister will give you a detailed evaluation of the popular products of harmony and health. You will never step on the pit after reading it!
Is harmonious health insurance reliable? Is the product good? 》
6. There are still some things to pay attention to before buying insurance.
After reading the harmonious and healthy evaluation above, I think everyone should know how to judge the specific situation of an insurance company, right? But only pay attention to the insurance company when insuring? The answer is definitely no.
For friends who know insurance very well, it is easy to see that different products have great differences in coverage content, payment ratio and frequency, insurance costs and so on. Buying yourself a cost-effective insurance is definitely not as easy as you think.
All belong to critical illness insurance, some products can cover dozens of diseases, and some products can only cover more than a dozen; Some can provide lifelong protection, while others can only provide protection for decades. Some of them pay more, while others pay less ... There are many aspects of the comparison standard, which can't be explained clearly in one or two sentences.
Therefore, it seems easy to buy insurance, but in fact, it needs to be compared in many aspects to choose the product that suits you.
Click on the link below, and Senior Sister has created a three-step method to judge whether this insurance is worth buying in one minute! Look before you buy it! It's hard to be cheated!
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!