Is Hongkang Life Insurance a regular company?

Hongkang Life Insurance is a regular company, which is approved by the China Insurance Regulatory Commission. You can rest assured. As long as the insured meets the claim standard of the corresponding insurance products under Hongkang Life Insurance, the insurance company will make a corresponding proportion of claims, and there will be no refusal to pay compensation unless the exemption clause in the policy is triggered.

If you are interested in Hongkang Life Insurance, you can read this article by the senior:

How about Hongkang Life Insurance Company? Is the product good?

Then in the next time, Senior Sister will introduce Hongkang Life Insurance to you, without much nonsense, and go directly to dry goods!

1. Company background

Hongkang Life Insurance Co., Ltd. was established on July 65, 438+02, 2065. It is a national life insurance company approved by the former China Insurance Regulatory Commission with a registered capital of 6,543,880 billion yuan. Hongkang Life achieved profitability in the first full operating year and has continued to this day. By the end of 2026, 5438+0, with total assets exceeding 76 billion yuan and serving more than 7 million customers.

Hongkang Life Insurance is headquartered in Beijing, with branches in Henan, Jiangsu and Shanghai. Its partners include e-commerce platforms such as Jingdong Finance, Xiaomi Finance and Suning Finance, state-owned banks such as Industrial and Commercial Bank of China and Agricultural Bank of China, joint-stock banks such as Everbright, Guangfa and Minsheng, dozens of insurance professional intermediaries such as Mingya and Datong, and many online insurance business platforms such as Huixuan.com.

For more tips on how to see whether an insurance company is reliable, Senior Sister arranged in this article:

What should we look at when we look at insurance companies?

2. Solvency

According to the provisions of the China Banking Regulatory Commission on the solvency of insurance companies, an insurance company with a core solvency adequacy ratio of ≥50%, a comprehensive solvency adequacy ratio of ≥ 100% and a comprehensive risk rating of ≥ B is considered as long as the above three requirements are met at the same time.

According to the data of Hongkang Life Insurance in the third quarter of 2022, the company's core solvency adequacy ratio and comprehensive solvency adequacy ratio are 107.89% and 130.26% respectively, and the latest risk rating is B, which has reached the passing line stipulated by the CBRC. This is a reliable insurance company.

So what should we do if the insurance company we buy insurance products goes bankrupt in the later stage:

The insurance company went bankrupt. What about the insurance I bought?

Hope to adopt

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