How about Zijin Insurance? Can you believe it?

Zijin insurance has done a good job in both the quality of claims and the export of insurance products. Because many people don't know Zijin Insurance and don't know much about the strength of this insurance company.

Senior sister will give you a detailed evaluation today to help you better understand and know Zijin Insurance.

Firstly, it introduces the background of Zijin Insurance.

The full name of Zijin Insurance is actually "Zijin Property Insurance Co., Ltd.", which was established in May 2009. Headquartered in Nanjing, it is the first national property insurance company established in Jiangsu Province with a registered capital of 6 billion yuan.

Zijin Insurance has a complete and rich product system, covering more than 400 types of insurance such as motor vehicle insurance, enterprise property insurance and agricultural insurance 13, with a total risk protection of over 94 trillion yuan.

Zijin Insurance realized insurance business income of 54 billion yuan, with total assets exceeding 654.38+0.65 billion yuan, making a profit for ten consecutive years from 2065.438+02. It seems that the strength of Zijin Insurance is still very strong.

Second, is Zijin Insurance really reliable?

Many people want to know more about the credibility of Zijin Insurance. The purpose is to know whether they can make claims as usual in case of accidents after taking out Zijin insurance.

Can Zijin insurance be reliable? The answer must be a reliable insurance company. In the product configuration of Zijin Insurance, the policy has legal effect, and consumers do not need to worry about claims.

In addition, Zijin Insurance is also regulated by China Banking and Insurance Regulatory Commission. In China, insurance companies with insurance sales qualifications are subject to the supervision and management of CBRC, and Zijin Insurance is also included.

China Banking and Insurance Regulatory Commission was established by the State Council and belongs to its directly affiliated institutions. One of its main responsibilities is to engage in insurance supervision and management in accordance with laws and regulations and strengthen the protection of financial consumers' rights and interests.

China Banking Regulatory Commission (CBRC) has made great efforts to examine insurance companies, and the frequency of examination is also very high. We don't have to worry about the unreliability of buying insurance on Zijin Insurance.

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 Zijin Insurance?

Solvency is the lifeline of insurance companies. If all solvency indicators are up to standard, we can ensure that the insurance company has enough ability to be responsible for us, which involves the big problem of claim settlement.

The CBRC stipulates that all indicators of insurance companies should meet the standards of solvency adequacy ratio ≥50%, comprehensive solvency adequacy ratio ≥ 100% and comprehensive risk rating ≥ B.

Let's analyze the solvency of Zijin Insurance in the third quarter of 2022:

It can be seen that the core solvency adequacy ratio and comprehensive solvency adequacy ratio of Zijin Insurance reach 322.59% and 324.33% respectively, and the latest comprehensive risk rating is as high as AA.

This means that Zijin Insurance's solvency index has reached the qualified line.

4. What kind of insurance is Zijin Insurance worth buying?

Every insurance company has different types of insurance, some companies underwrite quite a lot of insurance, and some companies only sell the same types of insurance.

Take Sunshine Insurance as an example. This insurance company's auto insurance products are well-known. As far as Tongfang Global Life Insurance Company is concerned, its critical illness insurance products sell well.

Zijin Insurance's insurance sales range is not small, including health insurance, accident insurance and other popular insurance, as well as children's insurance, epidemic prevention insurance, travel insurance and other insurance.

Among them, Zijin Insurance's health insurance products are loved by everyone, and the reputation of millions of medical insurance is also relatively loud.

Millions of medical insurance belongs to reimbursement insurance, which reimburses the necessary and reasonable medical expenses incurred by the insured in proportion, and the annual premium of several hundred yuan can incite millions of insurance coverage, and the insurance leverage is very prominent.

Verb (abbreviation of verb) The starting point of Zijin Insurance's hot products.

I mentioned earlier that Zijin Insurance's best-selling product is health insurance, so which insurance products are worthy of attention?

For example, pillar male Ankang specific disease insurance (Internet version), Mengwabao children specific disease insurance (Internet version), worry-free million medical insurance (Internet version) and other health insurance are all popular products of Zijin Insurance.

Speaking of health insurance, many people don't know whether it is necessary to buy health insurance, so this article will solve everyone's doubts:

Is it necessary to buy health insurance? These routines must be paid attention to! 》

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

Even after in-depth research, we can know that Zijin Insurance is indeed a very reliable insurance company, and buying insurance at its home will definitely not cost money, but this does not mean that Zijin Insurance's products are suitable for everyone.

Think carefully about what your needs are before taking out insurance, and don't choose to start just because a product sells well. If the product you choose doesn't suit you, the money will be spent in Shui Piao.

There are still many problems to pay attention to when insuring, otherwise it is easy to step on the pit.

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!