How about Ruihua Insurance? Is it reliable?

On weekdays, when you buy home appliances, you can't help but look at big-name products, which makes you feel more reliable.

When buying insurance, I believe many people will do this, thinking that well-known big brand insurance companies will be more reliable, but they are skeptical about those insurances with relatively low exposure. But is this a fact?

It happens that there are fans consulting Ruihua Insurance in the background, and now the senior sister will give you a comprehensive introduction!

1. How about Ruihua Insurance? Is it reliable?

1, the strength of Ruihua Insurance is exposed!

Ruihua Health Insurance Co., Ltd., namely Ruihua Insurance, was established in May 2065438+2008, and its business place is in Shanghai. At present, its registered capital has reached 500 million yuan. As of March 2022, Ruihua Insurance has set up branches in Guangzhou, Shenzhen, Foshan and Xi 'an.

Ruihua Insurance has been established for a short time, but its achievements in the past few years should not be underestimated. Ruihua Insurance won the Outstanding Product Innovation Award and the Most Innovative Insurance Brand Award in the health insurance industry in 20 19 and 2020 respectively. By 20021,we have successfully won the health insurance brand award and the China Top Ten Insurance Award for Personal Risk Management!

Ruihua Insurance's 20021annual report shows that its insurance business income is about136.3 billion yuan, an increase of about 477% compared with 2020. For a "novice" like Ruihua Insurance, this growth rate is quite good, and there is still great development potential in the future.

If you want to know which powerful insurance companies are in the market? You can open the following to see the latest insurance company rankings compiled by Senior Sister:

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

2. Is Ruihua Insurance reliable?

Since Ruihua Insurance can be formally established with the approval of the China Banking Regulatory Commission and has been in business, it is naturally reliable. After all, as the role of China Banking Regulatory Commission in "one line, three meetings", it is not simple. Simply put, it is to act as the "old father" of all insurance companies.

If the insurance company is still in business, the CBRC will review it on time and in different periods, and the number of times is not small. Generally speaking, it will be implemented once every quarter, half a year or every year. There are also claims and complaint data of insurance companies, which will also be displayed to the public from time to time.

It seems to tell the insurance company: "I will always stare at you and do nothing!"

Under such strict supervision, how many insurance companies have "bad ideas"? Ruihua insurance makes no difference.

What's more, even if the insurance company is facing bankruptcy due to poor management, the CBRC will look for customers through capital injection, takeover and reorganization, so as to ensure that consumers enjoy their due insurance rights as much as possible.

Therefore, in the case of the CBRC, no matter whether it is a big company or a small company, everyone can rest assured of them.

3. Did Ruihua Insurance pass the solvency test?

In fact, solvency, that is, the ability of insurance companies to repay customers' debts. Although there is a CBRC, we don't need to worry about the problems of insurance companies after bankruptcy, but its own ability is relatively good.

China Banking Regulatory Commission has very clear regulations on the solvency of insurance companies, that is, the core solvency adequacy ratio is not less than 50%, the comprehensive solvency adequacy ratio is not less than 100%, and the comprehensive risk rating is at least Grade B. Once one of the three is missing, the solvency of this insurance company still has a lot of room for improvement.

Since the solvency of Ruihua Insurance will be updated regularly, in order to ensure the accuracy of the data, Senior Sister has compiled the latest information below, and you can see it when you open it:

"A text analysis! How about Ruihua Life Insurance? Is the product worth buying? 》

2. What are the popular products of Ruihua Insurance?

1. What are the advantages of Ruihua Insurance?

As the old saying goes, "Doing more is better than doing well". Although many insurance companies will involve multiple types of insurance, in order to "make a name for themselves", they will invest more energy in some types of insurance, which is naturally its advantage.

Ruihua Insurance is fully developing health insurance, especially in critical illness insurance and medical insurance.

For example, considering the economic losses caused by consumers' illness, a higher compensation ratio has been set for consumers in terms of compensation for critical illness insurance products. Or in order to make it more convenient for the insured to see a doctor, it has many value-added services, covering many medical insurance products, and increasing expert consultation and medical advance payment.

2, buy insurance necessary tips!

I believe all of you have deepened your understanding of Ruihua Insurance. As the saying goes, "one thing makes sense, one thing makes sense." If you want to know the general strength of other insurance companies, you can also refer to the ideas of your senior sister.

However, I still want to remind everyone that being familiar with insurance companies is only the first step to buy insurance, and being familiar with specific products is more important.

In order to keep the friends away from the insurance pit, the senior sister has compiled some tips for buying insurance. You might as well open it and have a look:

Before buying insurance, you must first understand these key knowledge points! 》

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!