What is universal insurance?

When it comes to insurance companies, many people first think of well-known companies, such as China Ping An Life Insurance Company of China and China Life Insurance. They are inevitably a little scared when they meet an unknown insurance company. In fact, there is no need to worry at all, as long as the insurance company is reliable under the supervision of the CBRC. Senior, let's talk about universal insurance.

First, the secret of the national insurance background

The full name of China National Insurance is actually China National Property Insurance Co., Ltd., which was established with the approval of the State Council Financial Supervision and Administration Department in August 2009.

The largest shareholder of PICC China is Shenzhen Investment Holding Co., Ltd., which was honored as the world's top 500 in 2020 and 20021year, and its shareholding ratio reached 4 1%. Other shareholders are 65,438+08 large and medium-sized central enterprises, local state-owned enterprises and outstanding private enterprises such as Lianmei Quantum, Luohu Investment Control, China Cinda Assets and China Railway Construction.

At present, the registered capital of China National Insurance is 4.007 billion yuan, and its real place of registration is in Shenzhen. There are 26 second-level institutions and more than 200 third-and fourth-level institutions, and their outlets have basically covered key economic regions in the country.

By the end of 20021and 12, the total assets of state-owned insurance were relatively large, reaching163.5 billion yuan, and the available insurance funds were relatively high, exceeding110 billion yuan.

Then, can China National Insurance be included in the list of the top ten insurance companies in China? Look here and you will know:

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

Second, is universal insurance really reliable?

The question of whether the national insurance is reliable can be completely understood as whether the national insurance has the ability to bear the insurance policy responsibility, and can also be interpreted as whether the national insurance has the ability to settle claims.

It is very likely that some people will be more afraid of going out after buying insurance in China, and China Insurance will not give claims, but there is absolutely no need to be afraid of this situation. In fact, this is not just a national insurance. In fact, any insurance company in China is supervised by the regulatory authorities, and there will be no direct and unreasonable refusal to pay compensation.

Moreover, the regulatory agency behind the insurance company is the China Banking Regulatory Commission. As an institution directly under the State Council, China Banking Regulatory Commission's main work scope is to supervise and manage the banking industry and insurance industry according to law, so as to make the banking industry and insurance industry operate legally and steadily, prevent and resolve financial risks, protect consumers' legitimate rights and interests, and maintain financial stability.

National insurance is subject to the supervision of China Banking Regulatory Commission (CBRC), and the CBRC has a relatively strong review of insurance companies. The audit standards of CBRC will not be relaxed because of the size of the company, so we don't need to worry about whether the national insurance is reliable.

If you don't want to spend more money, how should large and small companies choose? Click on the link below to help you choose!

Is it better for a big company or a small company to buy insurance? 》

3. What is the solvency of national insurance?

Solvency is regarded as the lifeline of insurance companies. Only when its solvency index reaches the standard can it be proved that the insurance company has sufficient solvency, which is linked to the important issue of claim settlement.

All indicators of an insurance company must meet the standards set by China Banking Regulatory Commission: core solvency adequacy ratio ≥50%, comprehensive solvency adequacy ratio ≥ 100%, and comprehensive risk rating ≥ B.

The quarterly reimbursement of China National Insurance in 2022/kloc-0 can be understood as:

It can be found that the core solvency adequacy ratio of China National Insurance is 65,438+060.7%, and the comprehensive solvency adequacy ratio is 65,438+060.7%, and it has obtained A in the latest comprehensive risk rating results.

It means that the solvency index of the national insurance is up to standard.

4. What kind of insurance is worth buying?

Every insurance company has different types of insurance. Some companies sell all kinds of insurance, while others only sell the same type of insurance.

The auto insurance products provided by Sunshine Insurance are very famous. Tongfang Global Life's critical illness insurance has been favored by people.

The types of insurance provided by national insurance are mainly property insurance, such as vehicle insurance, science and technology insurance, agricultural insurance, liability insurance and so on.

National Insurance has set up products about personal protection, and its accident health insurance products are also selling well.

Accident health insurance covers group accidents, personal accidents, borrower accidents, vehicle accidents, etc. The coverage of accident insurance includes death compensation, disability compensation, medical compensation and so on.

Five, the beginning of China insurance popular products.

National insurance mainly sells personal insurance, among which accident insurance sells best, such as China holiday free travel insurance and so on.

6. Be sure to read the small pit prevention tips before buying.

After reading the above article, I think everyone knows the basic situation of China Life Insurance, right? It is not difficult to find that China National Insurance is indeed a reliable insurance company with good solvency and many products.

Although there are many popular products of national insurance now, it cannot be said that all national insurance is suitable for our configuration. To buy insurance, you must first consider your own needs and product quality before you can buy a product that suits you.

There are many skills to buy insurance, and you will step on the pit if you are not careful. Click on the link below, and Senior Sister has created a three-step method to judge whether this insurance is worth buying in one minute! Look before you buy it! It's hard to be cheated!

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!