What is the reputation of Hongkang Life Insurance?

Hongkang Life Insurance is an insurance company established in July 20 12 and headquartered in Beijing.

For an insurance company, when insuring its products, everyone is more concerned about whether the insurance company is reliable and its reputation is good enough.

So today, dad will take you to know about Hongkang Life Insurance.

I. Understanding Hongkang Life Insurance

Word of mouth, different people have different views, and everyone has their own views. Dad will introduce Hongkang Life Insurance and give you a comprehensive understanding.

Hongkang Life Insurance has a registered capital of 65.438+0 billion yuan, and the Insurance Law stipulates that the minimum registered capital for the establishment of an insurance company is 200 million yuan. It can be seen that the capital strength of Hongkang Life Insurance is still relatively strong.

Hongkang Life has a wide range of business, involving life insurance, accident insurance, health insurance and other personal insurance businesses, as well as other businesses approved by the CBRC.

Speaking of CBRC, some friends may not know it very well.

China Banking and Insurance Regulatory Commission is a big shot in the insurance industry. The establishment of insurance companies and the development of insurance business must be approved by China Banking and Insurance Regulatory Commission, and Hongkang Life Insurance is no exception.

The establishment of Hongkang Life Insurance and various insurance businesses were also carried out under the permission of China Banking and Insurance Regulatory Commission. Dad found the insurance license information of Hongkang Life Insurance in official website, China Banking Regulatory Commission:

Hongkang Life holds an "insurance license", which can prove that it is a legitimate insurance company.

When buying insurance, you can also go to official website and China Banking and Insurance Regulatory Commission to inquire about the insurance companies of insurance products, so as to distinguish the authenticity.

Of course, many people are still more concerned about whether insurance companies are reliable and whether their rights and interests can be guaranteed.

Want to know whether the insurance company is reliable, solvency is an important reference index, and the CBRC has also made relevant regulations. The solvency of insurance companies must meet the following standards;

The comprehensive risk rating is above Grade B;

The core solvency adequacy ratio is ≥ 50%;

Comprehensive solvency adequacy ratio ≥100%;

What will happen if the solvency of the insurance company is not compliant?

It is possible that the CBRC will intervene and the insurance company will be taken over.

Let's take a look at the performance of the main indicators of Hongkang Life:

In 2022 1 quarter, the core solvency adequacy ratio 128.98% > 50%, and the comprehensive solvency adequacy ratio 139.5438+0% > 100%.

The comprehensive risk level is Grade B;

By comparison, it can be seen that the main indicators of Hongkang Life Insurance meet the requirements of the CBRC, indicating that it is in good operating condition.

Moreover, with the CBRC as the boss, our policy rights are still guaranteed.

From the above analysis, it can be seen that Hongkang Life Insurance is legal and compliant, and its operation is in good condition, so it can be safely insured for its products.