1. Product types and advantages

Hua Xia Insurance includes financial insurance, pension insurance, health insurance, protection insurance, children's insurance, lifetime insurance, accident insurance, term insurance, etc. product system. Among the best-selling products are: China Fortune Bamboo Insurance Financial Plan, China Fortune No. 1 Endowment Insurance (Universal Type, Type C), China Evergreen Critical Illness Insurance (2014 Exclusive Edition), and China Heirloom Whole Life Insurance (Type A ), China Fulinmen Universal Financial Insurance Plan (2015), Guan Aibao Critical Illness Insurance, etc.

Popular product introduction:

1) China Fortune Bamboo Insurance and Financial Management Plan

Fortune Bamboo product is an innovative insurance and financial product that can be customized according to customer needs Tailor-made six major insurance plans (children's education plan, children's new year's money growth plan, children's marriage plan, pension plan, travel plan, health examination plan), this product has the following features:

1. Invest three to five years Years, companionship for fifteen years: You can choose to pay in 3 or 5 years, and you can get 15 years of wealth appreciation;

2. Receive annuity year after year, and get higher returns: the annuity returned every year will be in It will continue to increase within a certain policy year;

3. The account can be added, and the universal income is good: the additional universal account can be added to invest idle funds at any time;

4. The premium will be refunded upon maturity, happy Get Lucky Bamboo: After 15 years, all insurance premiums paid will be returned.

2) Huaxia Fortune No. 1 Endowment Insurance (Universal Type, Type C)

In order to meet the needs of customers for stable value-added family financial management and achieve both offense and defense, Huaxia Insurance has specially launched a A new insurance and financial product—China Fortune No. 1 Endowment Insurance (Universal Type, Type C). Once the product was launched, it was widely praised by new and old customers. Judging from the settlement interest rate announced on the company's official website, the monthly settlement annual interest rate from January to May 2014 was 5, giving customers complete peace of mind.

As an upgraded product of Huaxia Bancassurance channel, this product has the following characteristics:

1. Both offensive and defensive: the expected annualized return rate is as high as 5, which can be advanced or attacked; 2.5 years within 5 years Guaranteed interest rate, you can keep it if you withdraw. On the basis of guaranteed minimum income, there is a higher income expectation, and you can receive a continuous bonus after the fifth policy anniversary, which is suitable for the principle of stable success in family financial management.

2. Suitable for both long and short term: The insurance period of this product is up to the age of 75, and can be used for long-term planning; after three years, the handling fee for insurance and partial withdrawal is 0, and it can also be held for a short term.

3. Flexible and convenient: This product has no initial fee and policy management fee (general universal insurance charges a premium of 3 as the initial fee), and can integrate idle funds and conveniently purchase insurance; at the same time, after the hesitation period is over, you can Apply for a policy pledge loan from the company with 80% of the cash value of the policy contract at the time of borrowing, which can be used flexibly.

4. Financial peace of mind: After the policy takes effect, you can enjoy the income safely as stipulated in the contract and terms. Hua Xia Insurance publishes the account settlement interest rate every month. The income is transparent and financial management is worry-free.

3) China Evergreen Critical Illness Insurance (2014 Exclusive Edition)

1. Full coverage. Care for death, total disability, 61 critical illnesses, end-stage disease protection, 12 specific critical illnesses, 13 minor illnesses and permanent and complete loss of independent living ability (hereinafter referred to as "disability care"), seven layers of protection to comprehensively care for life healthy.

2. Low insurance premiums. Following the design of the maximum predetermined interest rate of 3.5 stipulated by the China Insurance Regulatory Commission, it can benefit customers as much as possible. Under the same liability conditions, this product has outstanding cost performance, and the insurance benefit for specific critical illness, minor illness and disability care is 20% of the insured amount.

3. Lifetime guarantee. Death, total disability, critical illness and terminal illness are covered for life, specific critical illness and minor illness are covered until age 84, and disability care is covered until age 70.

4) Huaxia Heirloom Whole Life Insurance (Type A)

1. Stable income: The insured amount and compound interest increase gradually and the customer’s interests are determined

This product starts from the second year , the contract stipulates that the insurance amount will increase with compound interest of 3 every year to achieve safe and stable appreciation of the customer's policy rights; when the contract payment period expires, the cash value of the policy can exceed the premium paid, and with the lifetime increase in insurance amount, the cash value of the policy will also continue increase.

2. Planning activities: reduce insurance coverage and receive flexible wealth inheritance in an orderly manner

With this product, you can apply to reduce the insurance amount and obtain the corresponding cash value payment to meet unexpected needs; at the same time, the company According to the wishes of the policy holder, when the contract is signed, the beneficiary can be designated and the proportion and method of receiving it can be agreed upon, so that the policy proceeds can be passed down in an orderly manner easily. In addition, the maximum insurance limit of RMB 12 million for insured persons under the age of 50 (inclusive) and the insurance age of up to 80 years old make wealth inheritance more convenient and smooth.

3. Powerful function: emergency policy loan comes with premium exemption

During the duration of the policy, if the policyholder needs cash urgently, he or she can use the insurance contract as collateral to apply for a policy pledge loan business from Hua Xia Insurance , the borrowing amount can be up to 80% of the policy’s cash value, and the policy benefits will not be affected in any way. In addition, this product comes with a premium exemption function on the accidental death of the policy holder, fully embodying the risk protection function of insurance.

5) China Fulinmen Universal Financial Insurance Plan (2015)

1. Refund fee - the contract stipulates that it will be returned upon expiration

Wealth security is the first priority in investment and financial management. The terms of China Fulinmen Annuity Insurance (2015) clearly stipulate: If the insured survives until the expiration of this contract, we The maturity insurance premium will be paid based on the paid insurance premium. The first priority of investment and financial management has been achieved - preserving the principal.

2. High income—increasing fixed compound interest

On the effective date of the policy, the first annuity will be paid based on 10% of the insured amount; on the first policy anniversary, the first annuity will be paid based on 10% of the insured amount. 20 will be paid as the second annuity; on any policy anniversary starting from the second policy anniversary, an annuity will be paid based on 40 of the insured amount. At the same time, this plan has set up a wealth management account for customers with flexible entry and exit and free of charge, namely Huaxia Financial Manager Annuity Insurance (Universal Type, Type B). The returned survival funds will automatically enter the universal account for compound interest rollover. Through daily interest calculation, The method of monthly compound interest realizes the secondary appreciation of funds.

3. Receive life--receive a flexible and happy life

The Gold Butler Universal Account can be added at any time and received at any time until life, and its automatic premium payment function saves customers time Peace of mind. At the same time, this account has no initial fee, no policy management fee, no risk premium, no partial collection fee, and no surrender fee.

Note: This plan consists of China Fulinmen Annuity Insurance (2015) and Huaxia Jinguanjia Annuity Insurance (Universal Type, Type B).

6) Guan Aibao Critical Illness Insurance

This product is an innovative fragmented insurance product sold through online channels. It mainly has the following features:

1. Wide coverage (covering 25 major diseases);

2. Simple product form (insurance liability only covers major disease insurance benefits);

3. The terms are easy to understand and convenient for customers Understand;

4. The purchase process is convenient (no physical examination is required, insurance can be purchased directly online);

5. Users can also choose different protection amounts according to their own needs. This product is a one-year consumer critical illness product for people aged 3 to 50 years old. The maximum insured amount is 200,000 yuan, and the policy holder only needs a minimum of 0.2 yuan to purchase the insurance. At the same time, the insurance can be renewed on the basis of meeting the conditions. 60 years old, it is the most cost-effective product among many similar types of insurance. The rate of this product is divided into two levels according to the age of the insured: 3-39 years old and 40-60 years old.

2. Customer service and claims commitment

Hua Xia Insurance has experienced customer service managers and professional service planners. It has established a unique VIP customer system and implements customer classification. Hierarchical management and mature customer value-added services provide customers with more experiences.

The nationwide Customer Service Festival is held annually and will be held twice a year from 2014.

1. Claim settlement time limit

For cases where the application information is complete and the nature of the case is clear and does not require further verification, the insurance company shall make a claim settlement decision within 10 working days from the date of acceptance, and Inform customers of the processing results in a timely manner; for claims applications whose processing results cannot be determined within 10 working days, insurance companies should notify customers of the progress of the processing.

If the customer's claim application information is incomplete, the company will notify the customer at one time to complete the required claim information to avoid multiple round-trip processing.

2. Payment notice

After our company makes a claim payment decision, we will promptly notify the customer to collect the insurance money.

3. Handling of cases that cannot be compensated

For cases that cannot be compensated, the company will give the customer a notice of non-compensation, and explain in the notice the reasons why the compensation cannot be paid and the reasons why the compensation cannot be paid. Whether it affects the validity of the insurance contract.

3. Customer Service Festival

Hua Xia Insurance Customer Service Festival is quite unique in the industry and has attracted the attention of peers. Since 2014, the Customer Service Festival has been increased from once a year to twice a year, with children and the elderly as the main service targets respectively. Through various colorful public welfare activities, it has attracted widespread attention from the media and society, and has also received insurance Highly praised and affirmed by leaders of industry associations and other organizations; relying on the Customer Service Festival, Huaxia Insurance has successfully explored a public welfare model of "enterprise leadership and social participation" and established a long-term mechanism for corporate public welfare and charity.

Hua Xia Insurance stated that the Customer Service Festival, as a unique business card of Hua Xia Insurance, shoulders the important task of establishing the company's image and building the company's brand. In the future, Hua Xia Insurance will be committed to creating a high-quality customer service festival and a cost-effective customer service festival. First, it must standardize and continue to operate some special projects and work deeply to form a brand effect; second, it must continuously study the impact of the customer service festival on the business. Explore how you can use Customer Service Festival to contribute more value to your company’s business development.

The 2014 Huaxia Insurance “Future Star” Customer Service Festival concluded successfully in Beijing. This Customer Service Festival lasted for four months, with children as the main target, and with the theme of "Filling China with Love". The Customer Service Festival ran through the main line of charity and attracted widespread public participation.

Hua Xia Insurance’s 2014 “Future Star” Customer Service Festival takes public welfare services as its starting point, with children’s dreams come true and a talent competition as its main activity units. In the "Hua Xia Dream Realization Action", more than 100 branches across the country, 990 Hua Xia employees and 215 caring people went into rural communities during the Children's Day period, carrying donations and materials, visiting 1,148 needy children, and helping poor children living in poverty. Children’s Children’s Day dreams come true, and nearly a hundred civil affairs departments, industry associations, charity organizations and communities across the country actively participate in the activities. In the "China Insurance Cup·Let China Be Full of Love" National Children's Talent Competition, more than 20,000 contestants from more than 100 cities across the country signed up. After more than 200 auditions and preliminary rounds, 110 outstanding contestants participated in the finals of the head office, and 30 Contestants won various awards. 4. Underwriting case

Huaxia Insurance Shandong Branch bank insurance quick compensation case of 730,000 yuan

Insured Li, male, on January 3, 2014 and April 2014 On March 24, two copies of our company's Huaxia Fortune No. 1 Endowment Insurance (universal type) were purchased through Binzhou Zouping Linchi Sales Office, with premiums of 560,000 yuan and 100,000 yuan respectively. Zhang died suddenly on May 23, 2014.

At the end of June 2014, our company’s claims adjuster at Zibo Central Branch received a call reporting that a customer named Li from Zouping City, Binzhou died of a sudden myocardial infarction. The reporter specifically inquired about the insurance company purchased in Binzhou City. Can insurance claims be handled in Zibo? After obtaining approval from the branch, the claims adjuster quickly started the off-site claims process. After verifying that the accident was covered by the insurance, the Zibo Central Branch immediately reported the case to the system. After obtaining approval from the headquarters, the compensation of 737,900 yuan was quickly paid to the beneficiary. in the account. According to statistics, this case is also the largest compensation case that has occurred in Shandong Branch this year.

The case involved a large amount, and the claims adjusters provided professional and fast services, which enabled the insured’s family members to receive the benefits smoothly and conveniently, winning recognition from the customer.

The borrower’s accident insurance of Huaxia Insurance Shaanxi Branch provides risk protection for both borrowers and lenders

On March 4, 2014, the Tiandu Police Station of the Fufeng County Public Security Bureau of Baoji City received a call from the masses. A man's body was found at the bottom of a ditch in Daluan Group, Lushang Village, Tiandu Town, Fufeng County. After investigation and verification by the public security agency, it was confirmed that the deceased was an insured person. The cause of death was a skull base fracture caused by an accidental fall. After the incident, the salesperson promptly reported the incident to our company.

After the accident, the Economic Associated Press inquired that on August 30, 2013, Quan borrowed 500,000 yuan from the Nanyang Credit Union of Fufeng Association for the turnover of real estate development funds. When the loan was taken, our company's "rich insurance" was insured. "Qinbao" borrower's accident insurance, with a death insurance amount of 500,000 yuan, the policy came into effect on August 31, 2013.

In April 2014, our company's claims staff received a report. On the one hand, they comforted the family members and assisted them in collecting claim application materials. On the other hand, they visited various parties to verify the accident situation. Because there was no one within one kilometer of the accident scene, and no one was seen at the time of the accident. Many hours had passed when the insured's body was found. It is difficult to restore the truth of the accident and find out whether the death of the insured is within the scope of insurance liability. ; Although the public security organs have first-hand information on the accident investigation, the lack of cooperation from the public security organs makes it even more difficult to verify the cause of the accident. In the end, the company worked with its peers to overcome difficulties and verify the truth of the accident in the shortest possible time and pay compensation to the customer. On May 30, 2014, the beneficiary formally submitted the claim application materials to our company. The company attached great importance to the case and opened a green channel. After verifying that the accident situation was correct, the case was closed in the system on the same day.

On June 9, 2014, the Baoji Central Branch of Huaxia Insurance Shaanxi Branch and the Fufeng County Rural Credit Cooperative Union held an on-site claims settlement ceremony for the "Fu Qinbao" business to pay the claims to the beneficiaries of the case 500,000 yuan, and many media such as Baoji TV Station and Baoji Daily conducted on-site interviews and reports.

Our company's high-quality and fast service has won unanimous praise from the insured's family members and the association. It not only provides material compensation and spiritual comfort to the loan families, but also ensures the smooth recovery of the association's loan funds. . Through this case, the Associated Press highly appreciated and recognized our company's products and services, and proposed to further strengthen cooperation to further promote the company's insurance business.

Huaxia Insurance Shanghai Branch’s quick claim settlement of 1.13 million yuan moved customers to win another million-dollar new order

In late July 2014, Huaxia Insurance Shanghai Branch received a report from the family of the customer Ms. Zheng , quickly reviewed and transferred the claim amount of 1.1357 million to the account designated by the client’s family. This is also the highest compensation case currently accepted by Hua Xia Insurance Shanghai Branch. The client’s family members were moved by Huaxia Insurance’s quick compensation, and the client’s family members recommended their friends to take out another 1 million yuan insurance with Huaxia Insurance.

It is reported that Ms. Zheng purchased Fortune One Endowment Insurance from China Insurance in August 2013. On April 24, 2014, Ms. Zheng died of respiratory failure after gastric cancer surgery. After the incident, Huaxia Insurance Shanghai Branch attached great importance to it, actively communicated with the customer's family, informed them of the required claim materials, and went to collect the claim materials. After a quick investigation, with all the materials complete and the facts clear, China Insurance Corporation quickly reviewed and paid a claim of 1.1357 million on August 1. Hua Xia Insurance Shanghai Branch also informed the client’s family of the case progress information on the day the case was closed, and the family members were very satisfied with this.

Efficient claims settlement and enthusiastic service have deepened customers’ recognition and trust in the Huaxia Insurance brand. It happened that at this time, Ms. Zheng's daughter learned that a friend needed to know about insurance products, so she took the initiative to recommend Huaxia Insurance's products. The customer purchased 1 million yuan of Huaxia Fortune No. 1 Endowment Insurance on August 8.

Adhering to the core value of "customer interests first", fast and efficient claims services have always been the characteristics of Huaxia Insurance.

In 2013, Huaxia Insurance paid 31,780 compensation cases, with a compensation amount of 180 million yuan; in 2013, Huaxia Insurance’s “disease and death insurance compensation case of 3.46 million yuan” set a historical record for the company’s single compensation, and was rated as one of the “Top Ten Insurance Companies of the Year” in China’s insurance industry Claims Case”.

Being in love with overseas students, Huaxia Insurance Beijing Branch quickly settled a claim of 500,000 yuan

Recently, Mr. Qin, who lives in Chaoyang District, Beijing, quickly obtained a job from Huaxia Insurance Beijing Branch A compensation payment of 500,000 yuan. As someone who has returned from studying abroad, Mr. Qin has repeatedly expressed his admiration for Huaxia Insurance’s enthusiasm and thoughtfulness in claims services. In an interview with reporters, he said that what was different from his identity as a foreigner was that when he was troubled by illness when he returned to China, China Insurance gave him great comfort, and he truly understood the corporate cultural spirit of "filling China with love".

It is understood that Mr. Qin, now 24 years old, went to Australia to study in 2009. His mother insured him with China Insurance’s “Platinum Bottle Endowment Insurance (Dividend Type)” on June 13, 2010. ", and added the "Platinum Bottle Critical Illness Insurance", and purchased a Huaxia Insurance product with an insured amount of 500,000 yuan. In May 2013, after Mr. Qin returned to Beijing, he went to Chaoyang Hospital due to physical discomfort and was diagnosed with renal insufficiency. Later, his condition worsened. In October, he was diagnosed with chronic renal failure and uremia, and was in urgent need of regular dialysis treatment. .

After receiving Mr. Qin’s claim application, Huaxia Insurance Beijing Branch immediately opened a fast compensation channel, and the claims staff tracked the service. Completed all the claim settlement procedures for Mr. Qin within a short period of time, and delivered the 500,000 yuan claim to Mr. Qin in a timely manner. After receiving the claim payment, Mr. Qin was impressed by Huaxia Insurance's fast claims service and moved by the enthusiasm of the staff. He called Huaxia Insurance Beijing Branch many times to express his gratitude. Mr. Qin told reporters that as an overseas student, he must pass on the spirit of “making China full of love”.

It is reported that for many years, Huaxia Insurance has always adhered to the core value of "customer interests first" and provided humanized claims services to our customers. According to the reporter's interview, so far, Huaxia Insurance Beijing Branch has quickly handled many claims cases with insured amounts exceeding one million yuan. Among them, a claim case with an insured amount of 3.46 million yuan was rated as one of the "Top Ten Life Insurance Claims Cases in China in 2013" One, using practical actions to gain recognition and praise from customers.

5. Risk control

In order to implement regulatory requirements, we must deeply understand the spirit of the China Insurance Regulatory Commission's "Emergency Notice on Cleaning up and Rectifying the Insurance Intermediary Market to Find Out the Bottom Line" and supervise all parties. Each line and branch carried out "re-investigation and self-examination" work on the intermediary business. Huaxia Insurance held a special video on the clean-up and rectification of insurance intermediaries, chaired by Chairman Li Fei and company party committee secretary Zhao Ziliang. At the work meeting, we carefully conveyed and studied the spirit and regulatory requirements of the CIRC’s intermediary market clean-up and rectification work, and made arrangements for the “re-investigation and self-examination” work on the intermediary business clean-up and rectification.