Because many people don't know Wing On Insurance and don't know much about the strength of this insurance company.
Senior sister will give you a detailed evaluation today to help you better understand and know Yongan Insurance.
1. What is the strength of Yongan Insurance?
Yong 'an Insurance was born in 1996, with a registered capital of 30045438+06000 yuan, which seems to be five times higher than the minimum registered capital of 200 million yuan stipulated by CBRC.
Since its establishment, Yongan Insurance has a relatively good development trend, and the income generated by premiums is 65.438+030.332 billion yuan. By the end of 2002 1, wing on insurance had established 28 branches,1shipping insurance operation center, 203 central branches, 426 branches and 384 marketing service departments and business departments, with a total of *** 1042 institutions; The company's total assets reached 65.438+06.472 billion yuan and its net assets reached 5.585 billion yuan.
We can see that the strength of Yongan Insurance is relatively strong.
However, the strength of the insurance industry is not limited to Yongan Insurance. Want to know which insurance companies have strong comprehensive strength, you can read this article:
"Just out of the oven! Top Ten Insurance Companies in China! 》
Second, is Yongan Insurance really reliable?
Whether the insurance company is reliable or not, in fact, we want to know whether our rights and interests can be guaranteed.
Sister Xue here wants to tell you that Yongan Insurance Company is a very reliable company. Because it was audited by China Banking Regulatory Commission when it was established, and it didn't get a legal business license, you can also find relevant information by going to China Insurance Association.
Moreover, Yong 'an Insurance needs the supervision of China Banking Regulatory Commission, which is equivalent to the "father" of Yong 'an Insurance. With the CBRC at home, Yongan Insurance can't do anything illegal at will.
So, you don't have to worry too much about the reliability of Yongan Insurance.
3. What is the solvency of Yongan Insurance?
Solvency is the basic index to judge the financial situation and strength of insurance companies. The general analysis is the solvency of insurance companies.
Generally speaking, solvency is called the lifeline of insurance companies. Only when the solvency of the insurance company reaches the prescribed standard can it prove that it has sufficient strength to protect our policy.
However, it is not up to the insurance company to decide whether the solvency is up to standard. China Banking and Insurance Regulatory Commission has formulated the solvency eligibility criteria. Only when the core solvency adequacy ratio of an insurance company is ≥50%, the comprehensive solvency adequacy ratio is ≥ 100%, and the comprehensive risk rating is ≥B can the solvency meet the standard.
Is Yong 'an Insurance Company solvent? As can be seen from the latest data, the core solvency adequacy ratio and comprehensive solvency adequacy ratio of Yongan Insurance are 265,438+02.24%, and the risk rating is BB. It is not difficult to know that it is higher than the requirements stipulated by the CBRC, which also means that Yongan Insurance Company can repay its debts.
But we should not only pay attention to the solvency of insurance companies, but also pay attention to the number of complaints about settlement disputes. If an insurance company has the highest number of claims disputes, its products should also be carefully configured!
Here, Senior Sister has prepared a collection of insurance companies with higher ranking in claims disputes and complaints for everyone. Want to know more friends can poke:
"Deep secret! The number of complaints about claims disputes of the top ten insurance companies "
4. What insurance is worth buying in Yongan Insurance?
Generally speaking, every insurance company will have its own brand insurance. It seems that each of us has something we are good at.
For example, Sunshine Insurance Company's main insurance is auto insurance, while Zhongan Insurance Company's main insurance is millions of medical insurance.
However, the sales of property insurance and critical illness insurance of Yongan Insurance Company are relatively large. Taking critical illness insurance as an example, it is the key to protect major diseases. When the insured detects a serious illness and meets the claim requirements, he can pay the insurance money in one lump sum. This money is not restricted in use.
Five, must see before buying pit prevention tips.
Although Yong 'an Insurance is very strong and reliable, can you choose insurance only by looking at the strength background of the insurance company?
In fact, besides looking at the strength background of the company, the content of product guarantee is what everyone should pay attention to. After all, when an accident happens, the product protection clause is one of the proof of claim.
If the products can't give them strong protection, then even the best insurance company can't help them tide over the difficulties.
Therefore, it is not an easy thing to buy insurance, but in order to let everyone take fewer detours when buying insurance, Senior Sister has prepared this dry goods, and friends should take a closer look:
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!