Every insurance company has fixed telephones: China Ping An Insurance 955 1 1, China Life Insurance 955 19, China Pacific Insurance 95500, China Taiping Life Insurance 95589, China PICC Insurance 955 18, Tianan Insurance 95505, Volkswagen Insurance 9507. Huaan Property Insurance 95556, China Dida Insurance 95590, Anbang Property Insurance 95569, Taikang Life Insurance 95522, Xinhua Life Insurance 95567 and Xincheng Life Insurance 65588598.

An insurance company refers to a company as a legal person established in accordance with the Insurance Law and the Company Law. Insurance companies collect premiums, invest the premium capital in bonds, stocks, loans and other assets, and use the income of these assets to pay the insurance compensation determined in the policy. Through the above business, insurance companies can get high return on investment, provide customers with appropriate insurance services at lower premiums, and make profits.

The business of insurance companies is divided into two categories: (1) personal insurance business, including life insurance, health insurance, accident insurance and other insurance businesses. (2) Property insurance business, including property loss insurance, liability insurance, credit insurance, guarantee insurance and other insurance business. Insurance companies in China are generally not allowed to operate life insurance business and property insurance business at the same time.

An insurance company is an insurer in the form of company organization, which deals in insurance business. The insurer in the insurance relationship has the right to collect insurance premiums and establish insurance premium funds. At the same time, in the event of an insured accident, it is obliged to compensate the insured for economic losses.

Insurance companies are companies that sell insurance contracts and provide risk protection. An insurance company refers to an economic organization that operates the insurance industry. Insurance companies refer to commercial insurance companies established with the approval of China Insurance Regulatory Authority and registered according to law, including direct insurance companies and reinsurance companies.

Main types

Stock insurance company

Similar to joint-stock companies in other industries, joint-stock insurance companies are established by sponsors according to the company law, which stipulates the number of sponsors, the company's debt limit, the types of shares to be issued, taxes, business scope, company power, application procedures, company license, etc. Company organizations in western developed countries are composed of three power groups, namely shareholders, board of directors and senior managers.

mutual insurance company

Mutual insurance company is also a form of company organization, but it is a non-profit company with no shareholders, and the company is owned by the insured. Therefore, the insured has a dual identity, both as the owner and the customer of the company. Shareholders of joint-stock insurance companies are not necessarily customers of the company. As the owner, the insured of the mutual company can participate in the election of the board of directors, and the board of directors will appoint the company's senior management personnel to be responsible for the company's business operation and management. The insured can share the operating results in the form of "dividends".

Exclusive insurance company

Insurance companies established by industrial and commercial enterprises to provide risk insurance or reinsurance for their own enterprises, affiliated enterprises and other affiliated enterprises.