First of all, the strength of Huatai Insurance has risen and fallen.
Huatai Insurance, whose full name is Huatai Property Insurance Co., Ltd., is the first national joint-stock property insurance company in China. Its predecessor Huatai Property Insurance Co., Ltd. was established in 1996. 1996 was founded by 63 large enterprises and enterprise groups in Beijing with a total registered capital of 3,042.6 million yuan.
2011August, with the approval of China Insurance Regulatory Commission, Huatai Property Insurance Co., Ltd. was renamed Huatai Insurance Group Co., Ltd., with a registered capital of 3.04 billion yuan and its headquarters in Beijing.
Maybe just looking at the above data, you can't intuitively feel the strength of Huatai Insurance. Senior also compiled a latest ranking of insurance companies here, click the following link to get it:
"Fresh! Top Ten Insurance Companies in China! 》
2. Is Huatai Insurance cheating?
Perhaps some small partners will feel uneasy: if you choose a small company like Huatai Insurance to insure, will you be unable to make claims after the accident?
First, from the top ten security mechanisms of insurance companies, I can grasp that from the establishment of insurance companies, the screening requirements of shareholders, the supervision of operations, the multiple security system, the division and merger of insurance companies, and even the contract takeover after bankruptcy, both the insured and the beneficiary are protected by the original insurance contract.
If you want to set up an insurance company, you need the approval of the China Banking and Insurance Regulatory Commission to qualify. The important duty of China Banking and Insurance Regulatory Commission is to supervise and manage the banking and insurance industry in accordance with laws and regulations. As far as the insurance industry is concerned, the China Banking Insurance Regulatory Commission is responsible for supervising large insurance companies and small insurance companies.
In short, China Banking and Insurance Regulatory Commission supervises and manages insurance companies and insurance markets. Huatai insurance is the same. Even though it is not as famous as an insurance company like Ping An, it still has to be supervised and managed by the Bank of China Insurance Regulatory Commission, so you don't have to worry about being unreliable.
3. What is the solvency of Huatai Insurance?
To judge whether an insurance company's solvency is qualified, we only need to see whether it meets the following standards stipulated by China Banking and Insurance Regulatory Commission. The relevant standards stipulated by China Banking and Insurance Regulatory Commission are as follows: the core solvency adequacy ratio is not less than 50%; The comprehensive solvency adequacy ratio is not less than100%; The comprehensive risk rating is Grade B or above.
Under normal circumstances, the solvency of insurance companies will be updated once every quarter. In order to bring you accurate data, Senior Sister updated the latest solvency data of Huatai Insurance in the following link. Interested friends come and have a look!
How about Huatai Insurance Company? Is the product worth buying? 》
Fourth, the characteristics of Huatai Insurance
Critical illness insurance is the key insurance of Huatai Insurance. It is often mentioned that there is specialization in the art. Huatai insurance has accumulated a lot of experience by relying on its own years of operation, so it can be said that it has a good hand in critical illness insurance. Huatai Insurance's comprehensive protection of critical illness insurance products is one of its major advantages, and the payment period is flexible. Some of them will also allow the insured to enjoy targeted special disease protection, which can provide better and more suitable protection for consumers' personal health.
Critical illness insurance is a guarantee of critical illness insurance. We should know that when we suffer from serious diseases, it will also have an impact on our income. Parents' support, children's growth, mortgage and other living expenses are all family responsibilities we need to bear. It goes without saying that when we suffer from serious diseases, we will lose our financial resources.
The biggest function of critical illness insurance is to transfer the economic risks brought by major diseases. Insurance premiums paid by insurance companies can be used to pay medical expenses, and there is no problem with future rehabilitation expenses, or subsidize daily living expenses. There is no restriction on the use of this money.
V. Evaluation of Huatai Insurance's Hot-selling Products
Although Huatai Insurance mainly covers critical illness insurance, it also has many other popular products.
6. There are still some things to pay attention to before buying insurance.
Here, I believe everyone knows how to judge whether an insurance company is reliable. However, we need to remind everyone that if you want to configure an insurance product that suits you, you can't just look at the above points.
For example, let's talk about critical illness insurance. Different products have some differences in cost and coverage. Some products will be exempted from protection, while others may only pay secondary compensation protection for high incidence and serious illness. Therefore, senior sister suggested that when you buy insurance, you should also combine relevant insurance knowledge and make choices according to your own plan.
So how should insurance be chosen? Is the more expensive the better? Hey ~ don't worry, in order to help you buy the insurance that suits you, the senior stayed up late to sort out a strategy. I suggest you don't miss it and collect it quickly!
Which kind of insurance is better, how to buy cost-effective insurance, and teach you to avoid these pits of insurance.
Write it at the end
I am a scholar who talks about insurance, focusing on objective, professional and neutral insurance evaluation;
If the above content has not solved your problem, you can also come to Xueba, the official account of WeChat, to talk about insurance consultation with me.
I will give you the most professional advice based on years of experience in configuring insurance for 10W+ families.
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