Is Hongkang Life Insurance Reliable?

Reliable. Hongkang Life Insurance Co., Ltd. was established on July, 2065438 19. It is a national life insurance company approved by China Insurance Regulatory Commission, with a registered capital of 10 billion yuan and total assets of more than 30 billion yuan. Partners include e-commerce platforms such as JD.COM, Xiaomi and Suning, state-owned banks such as China Industrial and Commercial Bank, China Agricultural Bank, China Construction Bank and Bank of Communications, joint-stock banks such as Guangfa and Minsheng, dozens of insurance professional intermediaries such as Mingya and Dadong, and many online insurance business platforms such as Water Drop Insurance and Huize. Com and jumi. Universal domain name format. In September, 2020, China Insurance Research Institute published the market value ranking of 188 insurance companies nationwide, and Hongkang Life ranked 1 1. According to the complaints about insurance consumption in the fourth quarter of 2020 published on the website of China Banking Regulatory Commission, Hongkang Life ranked first among life insurance companies, with 0.44 complaints per 10,000 people.

: insurance type

Commercial insurance can be roughly divided into property insurance, personal insurance, liability insurance, credit insurance, subsidy insurance and marine insurance.

According to the scope of insurance, it is divided into major categories and sub-categories according to the types of insurance objects.

According to the scope of insurance, it is divided into life insurance, property insurance, liability insurance and credit guarantee insurance.

1. Fire hazard refers to the property stored in a certain area on land and basically in a static state, such as machinery, buildings, various raw materials or products, household appliances and other losses caused by fire.

2. Marine insurance is essentially a kind of transportation insurance. It is the earliest insurance business. The insurer shall be responsible for the loss of the subject matter insured caused by maritime perils.

3. Cargo transportation insurance refers to cargo transportation insurance other than maritime transportation, which mainly covers the loss of goods during inland, inland, coastal and air transportation.

4. The insurance of all kinds of vehicles mainly includes the losses caused by all kinds of vehicles during driving and parking. It mainly includes automobile insurance, aviation insurance, ship insurance and railway vehicle insurance.

5. This project insurance covers all unexpected losses, personal injuries and property losses of third parties in the process of various projects.

6. Post-disaster benefit loss insurance refers to the insurance that the insurer bears the insurance liability for all kinds of intangible benefit losses that may be caused by the insurance accident.

7. Burglary insurance includes property losses caused by robbery, robbery or theft.

8. Agricultural insurance mainly covers losses caused by natural disasters or accidents of various crops or cash crops, livestock and poultry.

9. Liability insurance is an insurance whose subject matter is the civil liability of the insured. Whether it is an enterprise, a group, a family or an individual, in carrying out various production and business activities or in daily life, the economic compensation liability caused by the victim's negligence or negligence can be compensated by the insurance company after taking out relevant liability insurance.

10. Public liability insurance covers the legal liability of the insured for personal injury or property loss caused to others.

1 1. The employer's liability insurance includes the economic compensation liability that the employer should bear for the personal injury or death of the employee according to the law or the employment contract.

12. Product liability insurance covers the insured's liability for personal injury or other losses caused to consumers or users due to defects in product manufacturing or sales.

13. Occupational liability insurance covers the responsibilities of doctors, lawyers, accountants, designers and other freelancers for personal injury, death and property losses caused by negligence.

14. Credit insurance refers to the insurance in which one party requires the insurer to bear the credit risk of the other party.

15. Guarantee insurance refers to insurance in which the debtor is the guarantor and the insurer provides guarantee for creditors to perform their obligations in accordance with the contract.

16. Term death insurance is an insurance whose payment condition is the death of the insured during the insurance period.

17. Life-long death insurance is based on the life-long death of the insured.

18. Endowment insurance refers to the insurance that the insured dies during the insurance period or continues to exist after the expiration of the insurance period. It has the nature of saving.

19. Annuity insurance is based on the survival of the insured, ensuring that the insured can get payment at a certain time interval and within a certain period of time.

Property insurance is insurance with all kinds of material property as the subject matter. The insurer shall be responsible for the loss of major property or major property interests.

Life insurance is insurance with human body or life as the subject matter. If the insured suffers personal injury or death during the insurance period or at the expiration of the insurance period, the insurer shall be responsible for paying the insurance money. In addition to life insurance, life insurance also includes health insurance and personal accident insurance.