First, the background of Hetai Life is revealed!
Hetai Life Insurance was formally established on June 2065438+2007. It was established by 8 enterprises including citic guoan Co., Ltd., Beijing Easyhome Investment Holding Group Co., Ltd., Shenzhen Golden Century Engineering Industry Co., Ltd. and Beijing Yingke Bicheng Technology Co., Ltd. (a wholly-owned subsidiary of Tencent) with a registered capital of/kloc-0.5 billion yuan.
It can be seen that the shareholder background of Hetai Life Insurance is quite strong.
Second, is Hetai Life Insurance reliable?
Although Hetai Life Insurance has a strong background, there are still some people who don't believe in Hetai Life Insurance, fearing that they can't make claims after configuring insurance.
In fact, friends don't have to worry about Hetai Life's refusal to pay compensation at all, because as consumers, friends have the big backing of China Banking Regulatory Commission. If there is an insurance accident that meets the agreement after buying the insurance of Hetai Life Insurance, if Hetai Life Insurance refuses to claim compensation, the CBRC will not let this company go easily.
"One line, three meetings" refers to the central bank, China Banking Regulatory Commission, China Securities Regulatory Commission and China Insurance Regulatory Commission. These friends should have heard of it. The CIRC is in charge of the insurance industry, with its back in the State Council! At the beginning of 20 18, China Banking Regulatory Commission and China Insurance Regulatory Commission merged, and China Banking Regulatory Commission was born.
Generally speaking, the CBRC will conduct special audits on insurance companies every year, every six months and every quarter, and often disclose the complaint data of various insurance companies.
Under the strict supervision of CBRC, no insurance company dares to make trouble, including Hetai Life Insurance.
For example, at the beginning of 20 18, Anbang Insurance, a powerful company in the insurance industry, reached the "red line" supervised by the CBRC due to the accident of its former chairman. The CBRC took over and angered the insurance guarantee fund of 60.8 billion yuan to save the company, minimizing the losses caused by the chairman to Anbang.
Therefore, no matter how big the insurance company is, as long as there is a CBRC, you can rest assured that you will never lose a penny.
Since you don't have to worry about claims when you buy insurance in a big company or a small insurance company, which company should you choose? Click on the link below, and Senior Sister will tell you the answer:
Is it better for a big company or a small company to buy insurance? 》
3. What is the solvency of Hetai Life?
Therefore, under the strict supervision of China Banking and Insurance Regulatory Commission, as consumers, we actually don't need to worry about the following series of problems: worry about the bankruptcy of insurance companies, no money to pay, and no one to take over.
However, even if the insurance company does not dare to do anything, after all, it is really dangerous to buy insurance, and consumers are still a little worried that the wallet of the insurance company will swell up and the money will be delayed. Then you can check the solvency of an insurance company at this time. Solvency can reflect the financial stability of insurance companies and is also an important reference factor for consumers to choose insurance companies.
The CBRC stipulates that the solvency of an insurance company meets the above three conditions, that is, the company whose solvency meets the standard:
The core solvency adequacy ratio is ≥ 50%;
Comprehensive solvency adequacy ratio ≥100%;
Comprehensive risk level ≥ B. ..
Because the solvency of insurance companies is updated once every quarter, in order to ensure the correctness of the data, Senior Sister updated the latest solvency data of Hetai Life Insurance Company in the following link. Let's see if it meets the standards:
Hetai Life Insurance Company has a great foundation! This product of their family is worth mentioning! 》
4. What insurance is worth buying for Hetai Life Insurance?
The types of products listed by different insurance companies will naturally be different. There are many comprehensive companies in the market, covering a considerable number of product types, which can give consumers more choices. However, such insurance companies are rare. Many times, every company will invest more resources and energy in the main characteristic insurance. For example, most of the products promoted by Zhongan Insurance are millions of medical insurance, and the main insurance of Sunshine Insurance is auto insurance and so on.
Hetai Life attaches great importance to critical illness insurance products. Critical illness insurance can pay a sum of money at one time, and the purpose of payment is still the same as before, which can reduce the financial burden of patients.
The critical illness insurance of Hetai Life Insurance not only covers the protection of high-incidence diseases, but also provides a wealth of optional responsibilities, allowing policyholders to apply for insurance as needed, with high flexibility.
5. Pay attention to these contents before buying insurance!
Sister Xue reminds everyone that you can't just look at insurance companies when buying insurance. If you want to start with an insurance product that really suits you and has a relatively high cost performance, you should also pay attention to the product itself, because for different insurance products, the coverage content, insurance rules, expenses and claims conditions will actually be different.
Even if they are all critical illness insurance, some products will cover as many as hundreds of diseases, and some products only cover dozens; Some products are guaranteed for life, while others are only guaranteed for a fixed period. ...
So buying insurance is really not a simple matter, it often involves a lot of professional knowledge, and you have to choose carefully according to your own needs.
So how to choose insurance, is the more expensive the better? Don't worry! Senior sister has compiled a super comprehensive insurance strategy for you, telling you how to avoid spending money and into the pit!
Which kind of insurance is better and how to buy it is more cost-effective, and teach you to avoid these pits of insurance.
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
If the above content has not solved your problem, you can also come to the official account of WeChat to learn to bully and say that insurance consulting me;
I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
WeChat official account: Xueba said that insurance costs less, buy the right insurance!