So, how to judge whether an insurance company is good or not?
1. Premium scale
The large scale of premium shows that the insurance company has done a good job and its income is relatively high.
When insurance companies have money, they can better carry out other businesses and form a benign operation.
2. Claim rate
Some people may think that insurance companies make money by reducing claims, but they are not. Want to know how insurance companies make money, you can read this article by dad. "Insurance companies make money by refusing to pay compensation? What is the truth? 》
3. Complaint rate
We will read bad reviews when shopping online. Similarly, you should also refer to the complaint rate when buying insurance, because it reflects the overall service quality of insurance companies and consumer satisfaction to a certain extent.
4. Solvency and risk rating
This is the most important measure, because the solvency and risk rating determine whether the insurance company can normally perform its guarantee responsibilities.
According to the regulatory requirements of the CBRC, insurance companies must meet the following three points at the same time:
(1) The core solvency adequacy ratio is not less than 50%;
(2) The comprehensive solvency adequacy ratio is not less than100%;
(3) Its comprehensive risk rating is above Grade B..
If you have any questions about the insurance company, you can consult your father. Free 1v 1 consultation to help you solve the problem.