1. How about Xinhua Life Insurance Company?
Xinhua Life Insurance Company was established in September, 1996 with a registered capital of 365,438+20 million yuan. It is a state-controlled listed life insurance company, directly affiliated to China Investment Corporation, and one of Fortune and Forbes Fortune 500 companies in the world. The main shareholders of the company are central huijin Investment Co., Ltd. and China Baowu Iron and Steel Group Co., Ltd., with excellent strength.
In 20021year, Xinhua Life Insurance established a nationwide sales and service network, * * * set up more than 770 branches, realizing the original insurance premium income of16 billion yuan, and then its total assets exceeded one trillion yuan. In recent years, it was rated as "A" by Fitch Financial Strength and "A2" by Moody's. In 20021year, the health insurance business of Xinhua life insurance policy covered 9 prefecture-level cities in 8 provinces, with 8.62 million participants and 260,000 claims. The company mainly deals in health insurance, accident insurance, life insurance, annuity insurance and other types of insurance, providing life-cycle risk protection and wealth planning products and services for the insured, which can continuously promote the development of pension industry and health industry, strive to strengthen and improve asset management business, promote the development of life insurance industry and comprehensively improve the level of scientific and technological empowerment.
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Second, is Zhongan Insurance Company reliable?
Zhongan Insurance Company is the first Internet insurance company in China. It was established on 20 13 and listed in Hong Kong on 20 17. Headquartered in Shanghai, there is no branch, and the products are only sold online. Under the slogan "Online insurance is the choice of 500 million users", it has been listed in 202 1 Hurun China Top 500 Enterprises. According to Zhongan Health Insurance 202 1 Claims Annual Report, a claim is closed every 28 seconds, so the waiting time for users to get compensation has decreased by 57% year-on-year. Empowered by insurance technology innovation, Zhongan Insurance took only four years to hit the pioneer of financial technology stocks, and only seven years to successfully enter the top ten of property insurance, ranking ninth in comprehensive. Zhongan Insurance realizes dual-engine drive, namely "insurance+technology", and is committed to applying new technologies to reshape the insurance value chain. Focusing on the four ecological circles of health, digital life, consumer finance and automobile, Zhongan Insurance serves the new generation with science and technology, bringing personalized, customized and intelligent new insurance into a new era.
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Who is trustworthy, Xinhua Life Insurance Company or Zhongan Insurance Company?
1, company strength competition.
Xinhua Life Insurance Company was established in 1996 with a registered capital of 365,438+20 million yuan. Then, the total assets have exceeded one trillion, and it has been awarded the "A" rating of Fitch's financial strength for several consecutive years.
Zhongan Insurance Company was established in 20 13 with a registered capital of1400 million yuan. It is the first internet insurance company in China. In just seven years, it successfully entered the top ten of property insurance, ranking ninth.
Compared with the establishment time and registered capital, Xinhua Life Insurance has more strength.
2. Is the solvency up to standard?
The solvency report of Xinhua Life Insurance in the second quarter of 2022 shows that its core solvency adequacy ratio is 144.68% and its comprehensive solvency adequacy ratio is 240.74%, both of which meet the standards.
The core solvency adequacy ratio of Zhongan Insurance in the third quarter of 2022 was 285.43% and 293.65%.
Generally speaking, in fact, the solvency of the two insurance companies meets the solvency passing line stipulated by the CBRC, that is, the core solvency adequacy ratio shall not be less than 50%; The comprehensive solvency adequacy ratio is not less than 100%.
So in fact, the solvency of the two insurance companies is completely up to standard, so it is definitely more reliable.
3. What are the advantages of insurance?
The advantages of Xinhua Life Insurance Company cover life insurance, health insurance, accident insurance and annuity insurance. At present, the popular product series include Glory Series whole life insurance, Health and Worry-Free Series Critical Illness Insurance, Little King Kong Series Children's Accident Insurance, Huijin/Jinsheng Series Annuity Insurance, etc.
As for the main business of Zhongan Insurance Company, it is actually health insurance and accident insurance. At present, the best-selling product series include "Enjoy E-Life" series of millions of medical insurance, Zhongan series of critical illness insurance and millions of comprehensive series of accident insurance.
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Generally speaking, these two insurances have their own bright spots, excellent overall strength and satisfactory solvency.
However, senior sister suggested that you should look at the insurance product itself before considering the insurance company. After all, the rights we can get depend on the insurance contract.
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