Is Taikang Life Insurance Company Reliable?

Taikang Life Insurance is an insurance company approved by China Banking and Insurance Regulatory Commission, and its products are supervised by Bank of China Insurance Regulatory Commission. Taikang Life Insurance is relatively reliable in both products and solvency.

I. Shou Kang Life Insurance Company

Taikang Insurance Group Co., Ltd. (formerly known as Taikang Life Insurance Co., Ltd.) was established in 1996 and its headquarters is in Beijing, China. It is a large insurance financial service group covering three core businesses: insurance, asset management and medical treatment. Taikang Insurance Group owns subsidiaries such as Taikang Life Insurance, Taikang Assets, Taikang Pension, Taikang Jiantou and Taikang Online. The business scope covers life insurance, internet property insurance, enterprise annuity, asset management, medical pension, health management, commercial real estate and other fields.

In 20 17 years, the operating income of Taikang Insurance Group was1626.010 million yuan. By the end of 20 18, Taikang Insurance Group had managed assets of over140 billion yuan, more than 4,000 insurance branches at all levels, with 800,000 salespeople, serving individual customers and 262 million people.

Second, how to judge whether the insurance company is reliable?

1, solvency

Repayment ability is the ability of insurance companies to repay debts, that is, when all policies apply for claims, insurance companies have sufficient payment ability. However, the higher solvency, the better. The solvency of many newly established insurance companies may exceed 65,438+0,000%. Therefore, as long as it meets the regulatory requirements of the CBRC.

The specific requirements are:

1) The core solvency adequacy ratio is not less than 50%;

2) The comprehensive solvency adequacy ratio is not less than 100%.

2. Limitation of odds and claims

Can you pay for it? How long will it take to compensate? These are issues that consumers are very concerned about, and they are also one of the important indicators to evaluate the quality of an insurance company. Judging from the statistical results of various insurance companies, most of them are above 97%. It can be seen that it is difficult for everyone to claim compensation, and insurance companies do not have as many claims as expected. Of course, there must be a few companies with poor claims prescription, but according to the insurance law, the slowest time can not exceed 30 days.

3. Comprehensive service level

The comprehensive service rating of insurance companies is an index for China Banking Regulatory Commission to evaluate the service quality of insurance companies. Mainly on the evaluation of insurance sales, claims, complaints, consulting and other service links. The comprehensive service level is divided into four levels: A, B, C and D, with A being the best and D being the worst. This set of indicators was put forward by the most authoritative insurance regulators, including China Banking and Insurance Regulatory Commission, China Consumers Association and China Insurance Association. Its authenticity and validity are still very guaranteed.

The above three indicators can be inquired by consulting the websites of China Banking and Insurance Regulatory Commission, official website, China or various insurance companies; For listed insurance companies, they can also obtain relevant information through their annual reports and other media.

Of course, there is no hard and fast rule about which insurance company is better, and the data also changes every year. Therefore, in buying insurance, in addition to referring to insurance companies, we still have to look at products, terms, coverage and responsibilities. Everyone should choose products according to their actual situation before taking out insurance, so that the selected products are most suitable for them.

Taikang Life Insurance is an insurance company approved by China Banking and Insurance Regulatory Commission, and its products are supervised by Bank of China Insurance Regulatory Commission. In the first quarter of 20 19, the core solvency adequacy ratio was 236.25%, and the comprehensive solvency adequacy ratio was 236.89%, both higher than 150%. Therefore, Taikang Life Insurance is relatively reliable in both products and solvency.