Before we start the analysis, we might as well know what to look at for insurance companies: what to look at for insurance companies?
First, the background of Bao Si
Zijin Property Insurance Company Limited (hereinafter referred to as? Zijin insurance? Founded in May 2009 and headquartered in Nanjing, it is the first national property insurance company in Jiangsu Province with a registered capital of 6 billion yuan. At present, Zijin Insurance has built a service network covering 2 1 province (autonomous regions and municipalities), with more than 400 laying institutions, about 6,000 employees and 0/9.6 million customers.
The product system of Zijin Insurance covers more than 500 types of insurance 13, including motor vehicle insurance, enterprise property insurance, personal accident insurance, short-term health insurance, etc., and the total risk protection provided exceeds 125 trillion yuan. Generally speaking, the background and financial strength of Zijin Insurance Company are quite strong.
Of course, there may still be friends who worry that their insurance policies will be affected if the insurance company goes bankrupt in the future. Friends who have this concern may wish to see what experts say: what should I do if the insurance company goes bankrupt?
Second, solvency.
There are three hard indicators for CBRC to check whether the solvency of an insurance company meets the standard, namely, the core solvency adequacy ratio is not less than 50%, the comprehensive solvency adequacy ratio is not less than 100%, and the risk rating must be above Grade B..
According to the report of Zijin Property Insurance Co., Ltd. in the fourth quarter of 2022, we know that its core solvency adequacy ratio is 307.58%, its comprehensive solvency adequacy ratio is 365,438+00.60%, and its latest comprehensive risk rating is A, all of which meet the standards of CBRC. So, you don't have to worry about the problem that Zijin Insurance Company can't afford the insurance premium.
Speaking of insurance claims, senior sister has compiled a claim strategy to help you make claims without detours: how to make claims after a claim case occurs?
Hope to adopt!
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