How about Yong 'an Insurance? Is it reliable?

Which insurance company to choose, I believe many people will have this problem before taking out insurance, because there are so many insurance companies on the market at present, which product is better to buy?

Recently, many fans sent messages asking, is Yongan Insurance good? Are you cheating the insurance company? Is it reliable?

Although Yong 'an Insurance is not very famous in the insurance industry, we can't underestimate it. Today, Senior Sister will introduce it to you!

1. What kind of company is Yongan Insurance?

1, very strong!

Yong 'an Property Insurance Co., Ltd. (referred to as Yong 'an Insurance) was formally established in September, 1996. In fact, it is a state-owned capital holding enterprise. The main shareholders are Shanghai Fosun Group, Yanchang Petroleum Group and Shaanxi Nonferrous Metals Group. In fact, the registered capital has reached 3 billion yuan, and the headquarters has been placed in Xi 'an.

As an insurance company established in the trend of economic reform and opening up, Yongan Insurance Company has extraordinary strength. Until 202 1, the total assets of Yongan Insurance have reached1647.2 billion yuan, and the net assets are as high as 5.585 billion yuan. Second, 28 branches and 1 shipping insurance operation center have been established. There are as many as 1042 institutions of various types, with more than 1 10,000 employees. Yongan Insurance provides property insurance services for several important development projects such as Jiaolong, Chang 'e I, Asia-Pacific No.6 and Qinghai-Tibet Railway, as well as a series of large enterprises such as PetroChina, China Mobile and Yanchang Petroleum.

This ability is not available in general insurance companies. From this aspect, we can find that Yongan Insurance has considerable background strength.

However, these are only the data of Yongan Insurance itself. What is its comprehensive strength in the industry? Click below to view the list of insurance companies compiled by senior sister staying up late:

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

2. Is Yongan Insurance reliable?

Since Yongan Insurance can win the property insurance business of so many leading enterprises and large projects, it must be very reliable, not to mention that there is a bank insurance supervisor to supervise its operation, which can make us feel more at ease.

The CBRC is a member of the "Three Meetings", which is equivalent to the "old father" of various insurance companies in the insurance industry. He not only conducts quarterly, semi-annual and annual audits of each insurance company, but also publishes the complaint data of each insurance company at an unspecified time.

I believe that with such strict supervision, no insurance company will make any moths, and so will Yongan Insurance.

In addition, even if the insurance company is about to go bankrupt due to poor management, the China Banking and Insurance Regulatory Commission will try its best to revitalize it through capital injection, takeover and reorganization, so as to protect the insurance rights and interests of consumers to the maximum extent.

So as long as the CBRC does not go bankrupt, no matter how big or small the company is, it is still very good, and everyone can rest assured.

3. Is the solvency of Yongan Insurance up to standard?

The solvency we are talking about is equivalent to the ability of insurance companies to repay customers' debts. Although there will be a CBRC, there is no need to worry about the problems after the collapse of insurance companies, but it is a good thing to have strong ability.

Is there a clear standard to judge whether the solvency of insurance companies is up to standard? Relax, the CBRC has already stipulated it. The specific requirements are: 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 reaches Grade B. ..

You only need to compare the solvency data of Yongan Insurance with the above standards, and you can know what level its solvency is.

There may be many friends who are curious. What are the top insurance companies in solvency? Don't worry, the senior has prepared it for everyone. Click on the following page to view:

What are the top ten insurance companies with solvency in 2023? 》

2. What about the products of Yongan Insurance?

1. What are the main types of Yong 'an insurance?

Although many insurance companies will try their best to cover every type of insurance for business reasons, there will definitely be a few types of insurance that will invest a lot of energy, which is their core insurance. For example, millions of medical insurance of Zhongan Insurance, auto insurance of Sunshine Insurance and so on.

According to the survey of senior students, Yongan Insurance has done a good job in critical illness insurance and property insurance. Take critical illness insurance as an example. Considering the problem of expensive and difficult medical treatment for consumers, Yongan Insurance tries its best to make some products pay a higher proportion, and suggests increasing medical services in key hospitals.

2, buy insurance pit prevention tips!

I believe that you have a general understanding of Yongan Insurance now. When judging whether other insurance companies are reliable in the future, you may wish to refer to your senior sister's ideas.

However, it is not enough to buy insurance only by looking at the insurance company. Because comparing insurance companies, the most important thing is whether the product you choose is suitable for you, because everyone's needs are different. Even if the insurance company is super strong, it can't prove that all its products are good.

In order to let everyone buy their favorite insurance as soon as possible, Senior Sister summed up some things that should be paid attention to before insurance, and suggested to have a good 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!