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 Tongfang Global Life and JD.COM Allianz. Which of the two companies is better?
Before preparing for the explanation, the senior first presented this article "What should an insurance company see":
"What should we pay attention to when we pay attention to insurance companies? 》
First, the background PK of Tongfang Global Life and JD.COM Allianz!
Let's take a look at the strength of Tongfang Global Life:
Tongfang Global Life Insurance Co., Ltd. (hereinafter referred to as Tongfang Global Life Insurance) was established by Dutch Global Life Insurance Group (Aegon) and Tongfang Co., Ltd. (THTF) with 50% capital contribution respectively. In 2003, the company officially obtained the business license to conduct life insurance business in China.
Tongfang Global Life is a real strength group, with the help of the big boss of the State Council State-owned Assets Supervision and Administration Commission, and we all know that the most basic requirement of a foreign-funded company is strict compliance supervision. For enterprises, a good image and reputation determine their development prospects!
What is the reputation of Tongfang Global Life? In 2022, Tongfang Global Life won the following awards:
Outstanding life insurance company of the year, annual social responsibility list of the 7th China Insurance Billboard, and outstanding brand image award in 2022. ...
Click here to learn more about Tongfang Global Life:
How about Tongfang Global Life, what products are there, which one is good, and in-depth analysis.
Without further ado, let's learn more about some insurance companies established by JD.COM Allianz Company (formerly Allianz SE) in 2003.
2065438+In July 2008, China Banking Regulatory Commission approved the company's capital increase and introduced four new shareholders, including JD.COM. In June+10 of the same year, the company name was approved to be changed to "JD". COM Allianz Property Insurance Company Limited.
In 20021year, the company's accumulated effective premiums exceeded 4.9 billion yuan, and continued to maintain double-digit growth.
Obviously, the behind-the-scenes strength of Allianz in JD.COM is terrible! Time is precious. Let's take a look at the solvency of these two insurance companies.
Second, Tongfang Global Life Solvency VS JD.COM Allianz Solvency!
If an insurance company is eager to have qualified solvency, it must be able to pass the following provisions of the Banking Insurance Regulatory Commission:
Core solvency adequacy ratio > 50%; Comprehensive solvency adequacy ratio >; 100%; The comprehensive risk rating is above Grade B. ..
The relationship between insurance companies and arrears is reflected and expressed through solvency, which has an extremely important impact on the good operation of insurance companies.
If the solvency of the insurance company is not up to standard, not only will the insurance company be unable to maintain its normal operation, but the interests of the insured or the insured will also be threatened and damaged, which may have a great destructive effect on the normal operation of the national economy and social stability.
Now let's look at the solvency of Tongfang Global Life:
According to the official data of Tongfang Global Life in the third quarter of 2022, the core solvency adequacy ratio of Tongfang Global Life is 1 18%, which is much higher than the regulations of CBRC. The comprehensive solvency adequacy ratio is 184%, which also exceeds the standard of 100%.
What is the solvency of Allianz in JD.COM? Please see the official data map:
According to the official data of Allianz JD.COM in the third quarter of 2022, the core solvency adequacy ratio is 163.8%, and the comprehensive solvency adequacy ratio is 18 1%, which exceeds the regulations of CBRC. It's really great!
What about the insurance products of an excellent company like Allianz JD.COM? Interested parties click here to learn:
Is JD.COM Allianz Insurance Company Reliable? Please pay attention to this product before buying! 》
Do you think the solvency of Tongfang Global Life and Allianz JD.COM has been completed? No, let's keep explaining! Don't be ridiculous, our key content is below! The claims data of the two insurance companies are here, come and see!
Third, Tongfang Global Life Insurance and JD.COM Allianz's claim service PK!
Tongfang Global Life is a foreign-funded company, so it has always been an attitude that there will never be any legal disputes!
Claims disputes that we often see in the public are particularly unlikely to occur in foreign-funded companies because they have always maintained a firm attitude towards claims.
Because of these practices, the products of foreign companies can be said to have a great chance of winning, and consumers are very concerned!
So what is the claim efficiency of Tongfang Global Life in 2022? Let's take a closer look at the claims data of Tongfang Global Life:
It can be seen that for customers, if the products produced by Tongfang Global are insured, as long as they meet all the claims requirements of Tongfang Global Life, they can make claims quickly!
Just give you an interpretation of Tongfang Global Life. Let's take a look at what Allianz JD.COM claims. As the annual report on claims in 2022 has not been released, based on the data of 202 1:
In 20021year, JD.COM Allianz Insurance paid a total of 268 million commercial insurances, about 1.8 million.
JD.COM Allianz is still very user-friendly in claims settlement, and can make claims online. 99.8% of claims are handled online, and online claims for auto insurance can be completed within 1 hour at the earliest.
JD.COM Allianz Insurance also helps customers solve the problems of "difficult drug use" and "expensive drug purchase" through insurance products and value-added services. In 20021year, JD.COM Allianz Insurance * * * provided medical services and advance payment services for customers for more than 60 times, with a cumulative advance payment of 2.205 million yuan.
In fact, many insurance companies in the market will follow a principle, pay as soon as possible and pay without hesitation!
Fourth, the summary of the senior sister
From all aspects, Tongfang Global Life Insurance and JD.COM Allianz have outstanding strength backgrounds, so they can buy their products with confidence.
Of course, if you are more in pursuit of foreign companies, then senior sister still suggests buying products owned by Tongfang Global Life!
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
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I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
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