Yuxi Xinhua Life Insurance Background Information

Corporate vision: The best financial service group in China with all-round life insurance business as its core.

Company strategy: take customers as the center, persist in the sustained and steady growth of existing business, persist in reform and innovation, persist in the return of value to the insurance source, and seize the historical opportunity of urbanization and aging.

Mission: to provide customers with the guarantee of a happy life; Contribute stable and sustained returns to shareholders; Create opportunities for employees to realize themselves; Add harmony and tranquility to society.

Corporate values: honesty, responsibility, fairness, innovation and enterprising.

Business philosophy: create value steadily and continuously.

Working principle: simple and objective cooperative responsibility [2]

2 brand value

With its strong strength and service ability, Xinhua Life Insurance has provided customers with comprehensive and high-quality risk protection and wealth management services, and has become one of the leading life insurance companies with great brand influence in China.

◎ In the list of "Top 500 Most Valuable Brands in China" selected by World Brand Lab 20 13 (10th), the company ranked 93rd. [3]

◎ The company won the award of "Top Ten Enterprises Caring for Women" in the second "China Women's Charity Model" jointly sponsored by China Women's Development Foundation, China People's Charity Donation Information Center and China Public Welfare Research Institute.

◎ In the fourth "Brand Life List" 20 13 financial list held by China Brand in the past half month, the company won the "Most Trustworthy Insurance Institution" award.

◎ In the selection of outstanding competitive financial institutions in 20 13 held by China Business News, the company won the award of "Outstanding Competitive Local Insurance Company in 20 13".

◎ The company won the "20 13 Social Welfare Contribution Award" at the 8th Asian Financial Annual Conference hosted by 2 1 Century Business Herald.

◎ In the 7th "Golden Cicada Award" sponsored by China Times, the company won the "20 13" award.

◎ The company was awarded the "20 13 China Excellent Corporate Citizen" award by the Corporate Citizenship Committee of China Social Workers Association.

◎ The 1 1 financial billboard sponsored by He Xun. The company won the "20 13 Most Trusted Life Insurance Company" award. [4]

3 sales network

Xinhua Life Insurance has established an institutional network covering all provinces, municipalities and autonomous regions in China and diversified sales channels, and is committed to providing customers with convenient and high-quality life insurance services.

By the end of 20 13, Xinhua Life Insurance had 35 provincial branches, 246 prefecture-level central branches, 550 branches, 774 marketing service departments and 2 1 business departments, forming diversified sales service channels including individual agents, bank agents and various innovative channels.

4 product characteristics

New China Life adheres to the product development concept of "customer-centered", deeply studies the security needs at different stages of life, and forms distinctive product characteristics. The product slogan "insurance that will grow" is deeply rooted in people's hearts and has won the love and trust of our customers.

According to the differentiated needs of customers, Xinhua Life has established a perfect product system, covering ordinary insurance products and new life insurance products, which can fully meet the needs of accident risk prevention, health, medical care, pension, children's education, family finance and so on at all stages of life.

5 service platform

New China Life adheres to the principle of "customer-centered", constantly improves the construction of service platform, and provides customers with convenient and warm service experience.

◎ 1300 more than 300 standardized customer service centers spread all over the country, covering all the company's institutional outlets, providing customers with convenient, caring and professional one-stop services.

◎95567 National Unified Contract Center can provide customers all over the country with services such as 7X24-hour insurance consultation and financial advisor appointment, claim reporting, policy inquiry, document replacement, contact information modification and return visit.

◎ Xinhua Life Insurance official website and Pocket Xinhua Mobile Service Platform provide online policy self-service for customers all over the world; SMS and email notification provide message reminder, warm sympathy and bill letter service covering the whole process of insurance business.

◎ Additional services such as road emergency rescue, 12-hour family doctor, traditional Chinese medicine health preservation, customer service festival, etc. were launched, so that customers could feel the caring of Xinhua Life Insurance.

6 Quick settlement of claims

Starting from the needs of customers, Xinhua Life has continuously improved the level of claims service and is committed to creating faster, easier and more intimate claims service.

◎ 1.95 days, and the average limitation of claims is 1.95 days.

◎ Small claims less than 3,000 yuan shall be settled within 60 minutes, and shall be settled within 1 hour.

30 days. Complex and significant claims will be properly handled within 30 days.

In order to provide customers with more convenient and quick claims service, at the same time, Xinhua Life Insurance has also launched a series of innovative measures, such as Policy No.1, policy barrier-free migration, bill-free service, bill-lost protection, 3G mobile claims, advance payment for claims, global personal risk service management scheme, claim star standard management mode, and claim caring public welfare activities.

7 Risk management and control

In 20 13, Xinhua life insurance continued to deepen the construction of a comprehensive risk management system, and its risk management level was further improved.

◎ "Strengthening internal control and compliance management to serve the strategic transformation of the company": The company vigorously carried out comprehensive risk investigation and internal control evaluation to continuously improve the internal control situation; Strengthen compliance monitoring and evaluation, further improve the responsibility management system, prevent incremental risks, and provide protection for the "customer-centric" company strategy.

◎ "Improve the construction of audit system and strengthen off-site supervision and management": The company transferred the audit function to the head office, established a vertically independent audit system, improved the efficiency of audit resource management, defined the management responsibilities of the front, middle and back offices, completed the on-line off-site audit analysis system, and further improved the company's audit supervision level.

◎ "Optimize risk management tools and improve the professional level of risk management": The company develops and builds risk management information systems, continuously optimizes risk measurement models, strengthens risk monitoring, improves risk assessment methods and continuously improves the professional level of risk management.

8 talent team

Xinhua Life Insurance advocates the employment concept of "all rivers are inclusive" and "only people with both ability and political integrity are hired", which has condensed an excellent management team and cultivated a strong and professional sales team. This is the driving force for Xinhua Life to achieve promotion and transcendence, and it is also the unparalleled advantage that Xinhua Life has. Xinhua Life has created a good working atmosphere for all kinds of talents to give full play to their talents through summits, star clubs, internal newspapers and symphonic concerts.

9 social responsibility

Adhering to the business philosophy of "creating value, being steady and sustainable", Xinhua Life is committed to building the best enterprise, pursuing the maximization of commercial value and social value, consciously fulfilling social responsibilities, actively participating in charity, and making unremitting efforts to promote social harmony and progress and improve people's quality of life.

◎ Steady operation, innovative development and becoming one of the leading life insurance companies in China.

◎ Pay attention to the economy and people's livelihood, strive to create social wealth, give play to the function of economic compensation, and play an active role in the reform of social security system.

◎ Committed to charity, extensively participated in charitable projects such as donating money for education, helping the poor, medical and health care, environmental protection, sports, etc., and made positive contributions to improving people's livelihood and building a harmonious society.

100000 yuan

Since 2006, Xinhua Life has donated100000 yuan to Gansu, Inner Mongolia and other serious water shortage areas, and built "Mother Water Cellars"100000, benefiting1333 households and 5342 1 person.

100 lock

In 2007, 100 "Xinhua Life Insurance-Home for Left-behind Students in Sichuan Province" was built in 16 cities to care for the left-behind children of migrant workers.

3.5 billion yuan

In 2008, during the freezing rain and snow disaster in the south and the "5. 12" Wenchuan earthquake, Xinhua Life immediately took action to find customers, take the initiative to settle claims, and give the strength of the whole company to fight disasters and provide relief in many ways. In the Wenchuan earthquake, the company and its employees donated more than 6,543,805 yuan for disaster relief and post-disaster reconstruction, and presented accident insurance with a total insured amount of 3.5 billion yuan to more than 6,543,803 fire officers and soldiers who went to the disaster area for rescue.

6.00 million yuan

20 10, Yushu earthquake in Qinghai, Xinhua Life responded quickly, and launched the "No One Can Be Less" campaign to find customers in the disaster area. The company and employees donated more than 6 million yuan to the disaster area.

465438+200,000 yuan

20 1 1 year, the company is committed to participating in a large number of charitable projects, involving education, environmental protection, sports and other aspects. A total of RMB 4120,000 yuan was donated throughout the year, as well as a large number of materials such as clothes and books.

3.08 million yuan

In 20 12, the company organized and implemented a large-scale public welfare project of "Mom's package sends affection, Xinhua's love warns thousands of families" throughout the system. The internal and external personnel of more than 500 institutions in the whole system/kloc-0 voluntarily donated money, and * * * donated more than 3.08 million yuan to "Mom's package".

5.00 million yuan

In 20 13, the company specially set up the "Xinhua Life Care Fund for Women and Children", and immediately launched the emergency plan after the Lushan earthquake in Ya 'an, Sichuan Province on April 20, and donated 5 million yuan to the earthquake-stricken area to carry out the public welfare project of safe drinking water in Ya 'an campus through this special fund. [5]

10 insurance products

Product characteristics

Quick profit-returned every two years 10% of the insured amount.

Safety profit-refund of insurance premium when due

Double interest rate increase-capital preservation dividend+accumulated interest.

Worry-free profit-policy holders are exempt from premium.

Flexible enjoyment-convertible pension due

Basic product information

Payment period: one payment, 5 years, 10 year, 20 years.

Insurance age:

During the one-time payment, five-year payment and 10 payment period, the insured amount is 0-55 years old;

Within the payment period of 20 years, the age of 0-45 is guaranteed.

Insurance period: to 70 years old

insured liability

Survival insurance premium-returned once every two years (basic premium plus accumulated bonus premium) × 10%.

During the period from the effective date of the contract to the effective date of the 70-year-old policy, the insured shall live on the effective date of the policy once every two years, and the Company shall pay compensation according to 10% of the sum of the basic insurance amount and the accumulated dividend insurance amount on the effective date of the policy.

Due premium-paid premium+accumulated dividend insurance amount

The policy that the insured lives until he reaches the age of 70 takes effect, and the company pays the maturity insurance premium according to the sum of the following two items, and the contract is terminated.

1. Insurance premium actually paid;

2. Accumulated dividend insurance amount.

Death insurance premium-paid premium × 1.05+ current price of accumulated dividend insurance.

If the insured dies, the company will pay the death insurance money according to the sum of the following two items, and the contract will be terminated.

1.65438+ 005% of the actually paid insurance premium;

2. The cash value corresponding to the accumulated bonus insurance amount.

The insured is exempt from premium for accidental injury caused by death or total disability due to an accident.

Unless otherwise agreed, if the insured died of accidental injury or was physically disabled due to accidental injury, and the insured was between the age of 18 and the age of 60 at the time of death or physical disability, the renewal premium from the date when the insured died or was determined to be physically disabled may be exempted, and this contract will continue to be valid.

Pension annuity conversion clause: maturity insurance premium and final bonus can be converted into pension annuity in part or in whole.

If the insured survives to the corresponding date when the 70-year-old policy comes into effect, the insured can apply to the Company within 60 days from the corresponding date when the policy comes into effect, and use all or part of the sum of the due premium and the final dividend as a one-time payment premium to purchase personal converted endowment insurance. The amount and method of individual pension annuity insurance are determined according to the annuity collection standard provided by the company at the time of purchase.

What are the forms of insured dividends?

Xinhua Life Insurance adopts the method of "guaranteed dividend", that is, dividends are paid directly by increasing the insured amount, that is, the annual dividends shared by customers in the current year are automatically added to the insured amount, and dividends are paid in the next year on this basis. Until it expires or an insurance accident occurs, the amount of compound interest accumulated for many years will be paid to the customer, and there will be the last dividend distribution when the policy is terminated or reduced. Dividend can automatically increase the insured amount and effectively reduce the management cost. At the same time, due to the less pressure to realize the assets in the investment account, the investment strategy is more flexible and the possibility of obtaining high returns is greater.

The advantages of capital preservation and dividends are mainly reflected in the following four aspects:

① Dividends come from a wide range of sources.

Xinhua Life adopts the capital preservation and dividend mechanism, and the dividends of its dividend products come from all the profits that the company may obtain from operating dividend products. The sources of dividends include spreads, dead spreads, fees and other possible surpluses.

2 dividends are more thorough.

The biggest profit sources of general insurance companies are spread, fee difference and death difference, but various factors such as policy status, changes in actuarial valuation methods and basis, changes in tax policies and financial accounting methods may also generate profits. In general dividend distribution, only spread, fee difference and death difference participate in dividend distribution in whole or in part; The British-style guaranteed dividend adopted by Xinhua Life Insurance can participate in all possible sources of profits generated by insurance companies, so that customers can enjoy the operating results of insurance companies to the maximum extent, which embodies the principle of fairness and customer interests first.

③ The dividend level is stable.

Capital-guaranteed products usually adopt the double dividend design of "annual dividend" and "final dividend". Under normal circumstances, insurance companies keep the "annual dividend" relatively stable to meet customers' relatively reasonable expectations. When the insurance contract is terminated, the last bonus will be distributed to the customer to make up for the apology and smooth return.

(4) More adequate protection.

Dividend-paying products are distributed on the basis of the insured amount, and the dividend and compound interest increase every year. Customers can see the continuous growth of the insured amount, and they can receive it in one lump sum once the claim is settled or the policy expires. The way of paying dividends with guaranteed amount helps customers realize their real purchasing power in the future, that is, when risks occur and money is urgently needed, the same premium investment brings higher protection and truly embodies the true meaning of insurance.

Overseas insurance, joint international SOS all-round claims service.

Comprehensive strategic cooperation between Xinhua life insurance and international SOS

New China Life Insurance cooperated with international SOS in a comprehensive strategic way, and launched the "Global Personal Risk Service Management Scheme" around the global insurance claims and rescue operation services. This scheme breaks the current practice that only exclusive products in the domestic insurance industry cover the medical responsibility of overseas rescue, and embeds a series of guarantee services such as domestic and overseas medical rescue, overseas medical service network, risk management of hospitalization claims, and overseas travel comprehensive assistance system into the diversified insurance products of Xinhua Life Insurance. As a result, the "Global Personal Risk Service Management Scheme" has benefited more than10 million customers, and finally customers at all levels of New China Life can enjoy emergency rescue services.

With the help of international SOS global medical service network and alarm center service resource platform, Xinhua Life Insurance incorporated 50,000 international SOS medical service networks all over the world into its designated hospitals, and established a unique overseas cooperative medical service network of Xinhua Life Insurance, which has the characteristics of the most timely telephone connection service, the safest medical tracking, the most favorable cost settlement, the most professional rescue and transshipment, and the most convenient claim settlement assistance. Among them, ordinary customers will have unique overseas claims assistance and free translation services in the industry, and have the opportunity to obtain differentiated services such as timely and professional medical rescue; VIP customers will be able to enjoy distinguished emergency medical transportation and medical care services.

New China Life Insurance's "Faster, Easier and More Intimate" Claims Service

Professional service has always been the pursuit of Xinhua Life Insurance's claim settlement work. The industry pioneered the "star standard management mode of claims service", and implemented unified and standardized service certification for more than 200 institutions across the country to ensure that every Xinhua customer enjoys hotel-style refined professional claims service.

(1) Open a special service line to receive claims report and consultation 24 hours a day;

(2) Open SMS secretarial service, and timely conduct reporting guidance, claim settlement process and closing notice;

(3) Establish an emergency mechanism for major emergencies, take the initiative to visit customers who are out of danger, and settle claims quickly;

(4) realize the insurance in different places, and the national payment is barrier-free;

(5) Join hands with international SOS to open up all-round, wide-ranging and multi-level overseas direct claims assistance services;

(6) Send flowers, sympathy cards and other forms of love sympathy to hospitalized customers;

(7) Advance medical insurance for customers with financial difficulties to save lives;

(8) Simple cases with clear responsibilities within 2,000 yuan should be settled at the counter for 30 minutes, so it is advisable to wait immediately;

(9) Claims service personnel come to the door to handle complex cases, and claims service stars handle small cases for immediate payment;

(10) All business outlets publicize the claims service process and service items, accept public supervision, and provide various publicity carriers such as Simple Claims Service Manual, Standardized Claims Service Manual and Xinhua Claims Service Window to convey the claims service information of Xinhua.

(1 1) Open online self-service reporting and claim progress inquiry functions to keep abreast of claim dynamics anytime and anywhere.

New China life national settlement of claims service in different places

Since 2006, Xinhua Life Insurance has opened a green service channel for off-site insurance and national claims in 34 branches across the country. This is a "national claims" service network platform supported by centralized information technology, that is, customers of Xinhua Life Insurance can go through claims procedures at the claims service counter in different places no matter where they are, and they can enjoy convenient and fast services without paying additional procedures.

New China life efficient settlement of claims

It is the unremitting pursuit of Xinhua Life Insurance to provide customers with convenient and fast claims service. First of all, with the service network of branches covering the whole country, the company has realized "national compensation", that is to say, corporate customers can call the unified service telephone number of Xinhua Life Insurance 95567 to report the case, get professional compensation guidance and service support, and can apply for compensation at any Xinhua customer service counter; Second, the company pursues fast claims service. Small claims with clear responsibilities shall be handled within 30 minutes, ordinary cases within 5 days, and complex and difficult claims shall be properly handled within 30 days. By the end of 20 10 and 12, more than 76% of the claims of Xinhua Life Insurance can be settled within 5 days.

New China life 20 10 claims

The total amount of compensation paid by Xinhua Life Insurance is different every year. The compensation amount of 20 10 is close to1500 million yuan, and the types of insurance benefits are mainly distributed: first, death insurance, accounting for 66%; The second is medical insurance, accounting for16%; The third is critical illness insurance, accounting for 15%. Judging from the number of claims, about 80% of claims are concentrated on medical insurance applications.

New China Life Insurance's 20 13 annual premium income103.6 billion.

Xinhua Life announced that in 20 13, the company's accumulated original insurance premium income was10364 billion yuan, a year-on-year increase of 6.06%. On the evening of 20 14, 1, 14, China Ping An announced that its premium income for 20 13 was 268.7 billion yuan, a year-on-year increase of 15.03%. As of the close of 65438+ 10/4, Xinhua Life Insurance rose 1.57% to close at 2 1.93 yuan and China Ping An rose 1.37% to close at 39.99 yuan.

Claim case

Xinhua Life accepted an accidental card slip case in Mianyang, Sichuan, and the customer underwent splenectomy because of an accidental fall. According to the old disability standard, surgery is not covered by accident insurance. According to the new version of Disability Assessment Standard for Personal Insurance (hereinafter referred to as "New Disability Standard") implemented from 20 14 10, this operation was identified as level 8 disability. Xinhua Life actively investigated and verified, and paid the customer 3000 yuan the day after acceptance. This case is the first case in which Xinhua Life Insurance accepted the compensation for the new defective standard.

A customer purchased an upgraded version of Xinhua Life Travel Worry-Free F at the beginning of 20 14. 2065438+041at the end of October, 14, a customer accidentally slipped while picking up sundries at the corner of the corridor at home, and his left chest hit the handrail of the stairs and was seriously injured. The hospital diagnosed traumatic spleen rupture and multiple rib fractures in the left chest. After receiving the information submitted by the customer, the adjuster of Xinhua Life Insurance conducted an investigation and verification at the first time. The first is to take photos of the injured wound and verify the operation records of the hospitalization medical records of this accident. Records show that splenectomy was performed, which meets the new disability standard of grade 8.