How about Allianz Insurance? Is it credible?

Generally, when you ask about insurance companies, you are afraid that the company will close down and run away, or if you buy insurance, you can't make a claim!

Many friends also want to know what Allianz insurance is like. Is it reliable? Today, Senior Sister will show you!

If there are more questions about insurance bankruptcy to be answered, what measures should we take to protect our own interests in the face of this company? Please read the following article in detail >; & gt

The insurance company went bankrupt. What should I do with my insurance? 》

1. What is the strength of Allianz Insurance?

1. Background of Allianz Insurance Company

Allianz Insurance Group established an insurance company in 2003, and with the development, it eventually became JD.COM Allianz Property Insurance Co., Ltd. ..

2065438+In July 2008, China Banking Regulatory Commission approved the company's capital increase and introduced four new shareholders, including JD.COM. In June 5438+10, the company was renamed as "JD" with the approval of relevant departments. COM Allianz Property Insurance Company Limited.

With more than 0/00 years of insurance and risk management experience of Allianz Group/KLOC-and JD.COM Group's leading position in digital technology and e-commerce ecosystem,

Adhering to the insurance value proposition of "wisdom benefiting the people", the company strives to be customer-centered, data-based, and technology-driven, and build a benchmark for technology-based insurance companies.

At present, the company has Shanghai branch, Guangdong branch, Beijing branch, Sichuan branch and Shenzhen marketing service department.

According to the results of the second quarter and the first half of 2022 announced by Allianz, the total quarterly revenue was 376,543.8 billion euros, compared with 34.3 billion euros in the same period last year. Among them, the property accident insurance business income was 65.438+0.62 billion euros, the life insurance business income was 65.438+0.965438+0 billion euros, and the asset management business income was 2 billion euros.

Therefore, Allianz Insurance Company is strong and competitive.

The solvency and service evaluation of insurance companies is an important basis for judging the strength of insurance companies.

Is it risky to buy Allianz insurance products? Let's have a look >>

1, solvency of Allianz Insurance

Solvency only means whether the insurance company has enough money to compensate us.

The insurance company's comprehensive guarantee solvency adequacy ratio is not less than 100%.

The comprehensive solvency adequacy ratio refers to whether an insurance company has the ability to pay for all policies when applying for them.

Generally speaking, insurance companies with high comprehensive solvency adequacy ratio will have less risk.

According to the solvency data of life insurance companies in the third quarter of 2022, the core solvency adequacy ratio of Allianz Insurance is 240.84%, and the comprehensive solvency adequacy ratio is 267.85438+0%, so it can be said that the solvency is good.

2. Service rating of Allianz Insurance Company

Judging from the evaluation results of comprehensive risk rating of Allianz Insurance (classified supervision), the comprehensive risk rating of Allianz Insurance in the second quarter of 2020 happened to be B.

Of course, it is not enough to look at these two aspects when choosing an excellent insurance company. See my previous answer for details >>

What do we need to see about insurance companies? 》

3. The service quality of Allianz Insurance

The service quality is conditional, because the service quality mainly depends on the ability and attitude of each staff member.

There are so many insurance workers that we are not sure who we will meet when we buy insurance.

Whether the service quality of a company is excellent or not is not only related to the attitude of employees, but also related to others. Nor can we think that the service quality of this company is poor because of the bad attitude of individual staff.

& gt& gt Generally speaking, insurance companies, regardless of their size, need the approval of the China Insurance Regulatory Commission to be established, which is supported and recognized by the state.

So don't worry too much about safety and reliability, so Allianz insurance is still reliable.

However, it should be noted that the quality of a company does not indicate the quality of a product. Not all insurance products are uniform. Every product is different, good and bad.

Second, is the company important or the product important?

Most people choose a company first because it is more important for them to choose a good insurance company, so they often choose a company before buying products.

But actually missed a good product and ignored the principle that insurance products should meet the demand.

Because there are nearly 200 insurance companies in China, there are many cost-effective products on the market that are worth buying. If you abandon the brand of insurance company, good products are likely to be found by you.

Therefore, on the issue of whether the company is important or the product is important, we should know that the most important thing is to look at the product itself, whether it is guaranteed and whether it suits us.

Choosing a big company is more secure, and choosing medical insurance should also consider this.

Because medical insurance is more of a one-year product, it faces the risk of stopping selling at any time.

Insurance companies and medical insurance products may also stop selling. If the company is not well managed, it will be more likely to stop selling.

There are also some insurances that need to give priority to large companies. & gt

"What kind of products need to give priority to big companies when buying insurance"

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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