What about merchants and insurance companies?

I think most of my friends will feel extremely strange about merchants and insurance companies, but they will feel a little familiar.

Although merchants and insurance companies are not as famous as other big-name insurance companies, their strength cannot be ignored.

So what is the comprehensive strength of this insurance company? We continue to look down!

First, the starting point and intensity of investment promotion

As the pioneer of China's national industry and commerce, China Shipping Merchants Group was established in 1872, and the earliest national insurance company in China, Insurance Merchants Group, was established in 1875. The following year, it was founded and merged into Renhe Insurance.

20 16 12 1 With the approval of the former China Banking Regulatory Commission, China Merchants and China Life officially started preparations, and the business license was obtained on June 30, 20 17. The registered capital of the company exceeded 6.5 billion yuan.

Merchants and registered in Shenzhen have set up branches and business outlets in Guangdong, Shenzhen, Jiangsu, Henan and other places across the country, with more than 30 institutions and outlets.

Merchants and the company have developed very fast in recent years, and the company's premium assets have increased substantially. The overall premium income has increased from11800 million yuan in 2020 to 124 billion yuan in 202 1 year, a year-on-year increase of 5%.

However, the above information was disclosed by the investors. What is the strength of this company among all insurance companies in China? Click on the link below, and you can view the insurance company rankings compiled by Senior Sister overnight for free:

"Just out of the oven! Top Ten Insurance Companies in China! 》

Second, the kindness and reliability of investment.

Many small partners believe that only large companies are reliable and support timely compensation, and small companies may not be able to compensate.

Insurance is different from other industries. No matter whether it is a big company or a small company, as long as an insurance company has been established, it is absolutely reliable, and there will be no situation in which the insurance company refuses to pay compensation (the insured can only get a claim if he meets the claim conditions).

What is the reason for saying this? At this time, we should focus on the "one line, three meetings", the central bank, the China Banking Regulatory Commission, the China Securities Regulatory Commission and the China Insurance Regulatory Commission.

Behind the CIRC is the State Council. The China Banking and Insurance Regulatory Commission was established by CBRC and CIRC in early October, 20 18. China Banking and Insurance Regulatory Commission conducts quarterly review, semi-annual review and annual review every day, and publishes the complaint data of insurance companies irregularly.

Under the strict supervision of the China Banking Regulatory Commission, it is almost impossible for insurance companies to give birth to moths, and merchants and investors are no exception.

China United Insurance suffered a serious loss before, and the premium could not be paid. The China Insurance Regulatory Commission took over urgently and injected 6 billion yuan into it, which directly changed the situation.

Therefore, regardless of the size of the insurance company, the CBRC will supervise it, so you don't have to worry, and you will never lose a penny.

Third, investment promotion and solvency.

The concept of solvency mentioned here is the ability of the insurer (insurance company) to repay debts, which generally refers to whether the insurance company has the funds to make compensation.

Under the supervision system of the China Insurance Regulatory Commission, insurance companies are required to have a core solvency adequacy ratio of not less than 50%, a comprehensive solvency adequacy ratio of not less than 100%, and a comprehensive risk rating of B and above, and meet these three requirements at the same time to be qualified.

Once the CBRC finds that the solvency of an insurance company is not up to standard, it will properly participate in the company management. If the situation of this insurance company continues to deteriorate, the China Banking and Insurance Regulatory Commission will arrange for other insurance companies to take over.

Of course, in addition to solvency, we also need to pay attention to the company with the highest number of complaints about lightning protection claims disputes. If you want to buy their products, you should be careful:

"Deep secret! The number of complaints about claims disputes of the top ten insurance companies "

4. What kind of insurance is it worth buying?

Although China Merchants and China Merchants are life insurance companies with a wide range of business, there are many kinds of products on the shelves, such as critical illness insurance, medical insurance, accident insurance and life insurance. But not every kind of insurance has distinctive features.

Under normal circumstances, all insurance companies will pay attention to developing their own unique types of insurance. For example, Zhongan Insurance focuses on the development of millions of medical insurance, and the main insurance of Sunshine Insurance is auto insurance.

Merchants and signature products are critical illness insurance.

Critical illness insurance is also called critical illness insurance. If the insured suffers from the disease stipulated in the insurance contract and reaches the claim standard stipulated in the contract, the insurance company will have a sum of money to compensate everyone, and the insured can freely control the money, which can be used to treat the disease and maintain a normal family life.

Considering that there are some problems in the income guarantee function of critical illness insurance, the difficulty for customers to see a doctor, the expenses during the treatment of critical illness, etc., the merchants try their best to add additional compensation, critical illness compensation and other functions to most critical illness insurance, so that customers can have money to see a doctor, have a good hospital to see a doctor, and ensure that families have sufficient economic ability within the time of seeing a doctor.

5. What should I pay attention to when buying insurance?

Now we know how to judge whether the insurance company is reliable or not, but senior sister always thinks that buying insurance is a problem of the product itself, and it is not a simple matter to buy a cost-effective critical illness insurance product that suits you.

If we compare the critical illness insurance products, we can find that different products have different settings in terms of payment frequency, payment ratio, coverage content and optional coverage.

For example, it is also critical illness insurance, some protect dozens of diseases, and some only protect a few; Some can guarantee life, and some have time requirements. There are so many kinds that it is easy to be deceived.

Therefore, don't think that buying an insurance is a very simple matter. In fact, it involves many aspects of knowledge, and it should also be combined with its own needs.

If you don't know how to buy insurance so as not to be cheated, you can read the following article. Sister Xue created a three-step method to judge whether the insurance value is worth buying in one minute! Look before you buy it! It is difficult to be deceived;

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 top student, the official account of WeChat, and ask me about insurance.

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!