How do you make a claim for Huaxia Life Insurance? Is it reliable?

At present, its latest solvency information shows that in the first quarter of 2020, the core solvency adequacy ratio and comprehensive solvency adequacy ratio of Huaxia Life Insurance Company are in line with the regulations of the China Banking and Insurance Regulatory Commission, and the compensation capacity is there. Regarding insurance claims, I suggest you take a look at this article: What are the general claims materials?

Details determine the success or failure of a claim!

In fact, most insurance companies on the market have a high claim settlement efficiency, and China Life Insurance is no exception. Moreover, as a formal insurance company under the supervision of the China Banking and Insurance Regulatory Commission, China Life Insurance is naturally reliable.

Next, the senior sister will introduce the claim process of China Life Insurance!

If we need to make a claim, the first thing we need to do is to file a report. The personnel related to the corresponding insurance product shall report to China Life Insurance and fill in the claim application and prepare relevant documents in accordance with the regulations.

After submitting the claim application and related materials to the insurance company, the insurance company will accept and review it, and after the review is passed, the claim will be closed. At that time, the insurance company will send you a payment notice and you can get the insurance money.

So what information do you need to make a claim? Different insurance premiums and insurance products have different requirements.

Taking critical illness insurance as an example, if you want to apply for a claim, the claim applicant must provide the ID card or household registration certificate of the insurer or beneficiary, the original medical certificate, the certificate of disease diagnosis that meets the requirements, etc. Specific and more complex situations need to be supplemented with information.

So how efficient is claims settlement? China Life will make an approval within 5 days after receiving the application for insurance payment and the information agreed in this contract; If the situation is complicated, the approval shall be made within 30 days. For insurance liability, we will fulfill the obligation to pay insurance money within 10 days after reaching an agreement with the beneficiary to pay the insurance money.

Under normal circumstances, the claims settlement efficiency of China Life Insurance is still very fast.

You need to know what insurance claims include and how to define the disability criteria for claims.

Huaxia Bai Shou must be reliable! Because all domestic insurance companies will be strictly supervised by the China Banking and Insurance Regulatory Commission, they dare not be unreliable. If you want to know more about China Life Insurance, you can take a look at this article:

Huaxia Insurance, how is it, is it reliable, what are the pitfalls and routines, in-depth analysis.

Founded in 2006 and headquartered in Beijing, China Life Insurance is a national joint-stock life insurance company. The registered capital of the company is 15.3 billion yuan, and in 2018, the total assets of Huaxia Insurance exceeded 500 billion yuan, which can be said to be a strong enterprise.

In addition, in 2019, China Life Insurance had a total premium income of 100 million yuan, and the solvency adequacy ratio also reached 133%. These two figures are also quite good. So can the solvency adequacy ratio of China Life Insurance squeeze into the top 10 of Chinese insurance companies?

Which of the top 10 insurers in solvency in 2020 is better?

In addition, the following two data of China Life Insurance are also worth our attention:

1.Claim status: In the first half of 2020, China Life Insurance claimed 100 million yuan in claims, and a total of 100 million yuan of premiums were waived. For small claims, the settlement rate is that the average claim settlement time is days. That's pretty good.

2.Complaint data: In 2019, the number of complaints per 10,000 policies was 10,000 and the number of complaints per 10,000 people was. Both are good figures, and China Life has not received too many complaints.

Overall, China Life Insurance is still a trustworthy company, but this does not mean that China Life's products are equally trustworthy. For example, the Evergain Critical Illness Insurance under China Life Insurance has not been well received on the Internet: it is said on the Internet that China Evergain is not good, is it true?

If you want to buy an insurance, you can't just pick the company, but also carefully identify whether the terms of the product meet your needs, so that you can buy the most suitable insurance for yourself.

To see how an insurance company settles a claim, it is necessary to look at the insurance company's own claim settlement efficiency and claim timeliness. Now the insurance law stipulates that insurance companies must settle claims within 10 days of clarifying the liability for accidents, so you don't have to worry about the efficiency of claims.

However, China Life announced on July 17, 2020 that China Life was taken over by China Life. Many friends may be worried that the insurance company will be taken over, and if they are out of insurance, the insurance company will not pay. But don't worry, you'll know after reading this article:

The insurance company has been taken over, what will happen to the insurance I bought? "The insurance company has been taken over, what will happen to the insurance I bought?

Some friends who buy Huaxia Life Insurance products will worry that if they are out of insurance, they are afraid that Huaxia Life will not pay. Don't worry about this problem, because all insurance companies will be strictly supervised by the China Banking and Insurance Regulatory Commission, so you don't have to worry about China Life Insurance refusing to settle claims. So how do you settle a claim quickly and well?

Insurance Claims] What are the correct postures that are fast and good? If you don't lose, you will be on the plate!"Insurance Claims] What are the correct postures that are fast and good? If you don't lose, you will be on the plate!

However, in addition to looking at how reliable and reliable China Life's claim settlement ability is, we should also look at whether China Life's insurance products are good or not. Because we buy insurance to protect against risks, and when risks come, this insurance can help us get through them. In addition to the above, you need to pay attention to the above when applying for Huaxia Life's insurance products, you also need to pay attention to the few matters mentioned in this article

Is Huaxia Insurance reliable? You need to know these precautions! "Is Huaxia Insurance reliable? You need to know these precautions!

That's all there is to it! Hope that helps!

Really special! Other! Fast!

The average claim time limit of most insurance companies in the table is about 2 days, but China Life Insurance only needs about half the time to OK. Moreover, Huaxia Insurance's small compensation payment** can be rectified on the platform, and you can directly receive the compensation payment after the review is passed. The insurance I bought before, and the compensation that needed to be paid was paid quickly, and it was not inked at all.

Moreover, all insurance contracts are actually legally valid at the moment they come into effect. It is illegal to breach the contract and deliberately not pay money. Huaxia Insurance is a big company and won't do such a thing.

Xueba talks about insurance, focusing on insurance product evaluation! Is China Life really as good as it says on the Internet? A good article for everyone:Is China Life a small company? Don't be stupid, take you to understand the other side of it".

Founded in December 2006 and headquartered in Beijing, China Life Insurance is a national, joint-stock life insurance company with a registered capital of RMB 15.3 billion.

1. What is the strength of China Life Insurance?

In 2019, China Life Insurance ranked 442nd in the Fortune Global 500.

Last year, China Life's premium income was 100 million yuan, ranking fourth in China, second only to China Life, Ping An and Pacific.

In general, China Life Insurance has abundant funds, high public recognition, and leverage.

2. Solvency of China Life

Solvency refers to an insurance company's ability to repay its debts and can be used to measure the financial health of an insurance company.

In the first quarter of 2020, the composite solvency rating was A, well above the passing mark set by the China Banking and Insurance Regulatory Commission. Solvency insurance companies, I have listed, click here to understand:Which of the top 10 insurers in solvency in 2020 is better?

3. What is the product introduction of China Life Insurance?

The main business of China Life Insurance is life insurance, including critical illness insurance, medical insurance, accident insurance, life insurance, annuity insurance, etc., and the more popular products are: Evergain, Healthy Life, Fulinmen, etc., as shown in the figure below

Is Huaxia Insurance worth buying? It depends on the specific product, taking its popular critical illness insurance "Evergain Series" as an example, although the protection is comprehensive, but the cost performance is low, if you want to know more about it, you can click here:To buy or not to buy the evergreen trees of China?

I'll give up after reading this".

And many people who want to know about Huaxia's FLM annuity insurance can poke here"How about the income of Huaxia Fulinmen annuity insurance, is it worth buying? 》

It has registered 15.3 billion yuan of funds, and in 2018, the assets have exceeded 500 billion yuan, and the total premium has reached 230.6 billion yuan.

Founded in December 2006, Huaxia Insurance is a national, joint-stock life insurance company approved by the China Banking and Insurance Regulatory Commission, with a registered capital of 15.3 billion yuan, headquartered in Beijing, and currently has 24 directly affiliated branches, a total of 673 branches (including chips), a customer scale of 100 million, and a manpower of 360,000. It has been listed in the Fortune Global 500 for two consecutive years. As of the end of August, the company's cumulative total premium was 177.9 billion yuan, ranking fifth in the market.

In recent years, ChinaAMC's market position has continued to consolidate and improve. In 2012, the total premium was 8.5 billion yuan, the 14th in the market; In 2013, the total premium was 37 billion yuan, ranking ninth in the market; In 2014, the total premium was 70.5 billion yuan, ranking seventh in the market; In 2015, the total premium was 157.7 billion yuan, ranking fourth in the market; In 2016, the total premium was 181.5 billion yuan, ranking fourth in the market; In 2017, the total premium was 175.3 billion yuan, ranking fifth in the market; In 2018, the total premium was 230.6 billion yuan, ranking fourth in the market; In 2019, the total premium was 267.9 billion yuan, ranking third in the market; In 2020, the total premium was 256.5 billion yuan, ranking third in the market; As of the end of August 2021, the total premium was 177.9 billion yuan, ranking fifth in the market.

Investment strength. Huaxia Insurance and its subsidiary, Huaxia Jiuying Asset Management Co., Ltd., currently have the investment qualifications of direct investment, unsecured debt investment, equity investment, real estate investment, infrastructure debt plan investment, real estate debt plan investment, third-party entrusted investment, stock index entrusted investment, etc., and have strong investment strength. The investment scope covers banking, real estate, biomedicine, electrical semiconductors and other industries.

It can also be said to be in a leading position in the industry.

It can be a "dark horse" in the current life insurance market

China Life Insurance is a large insurance company in China and is relatively reliable.

Huaxia Insurance Company is unreliable, but it is not credible, and you can rest assured that it will not deceive people. Because all insurance companies are managed by the China Banking and Insurance Regulatory Commission, they are absolutely formal and will not deceive people, and they will also settle claims smoothly in accordance with the contract.

Founded in 2006 and headquartered in Beijing, with a registered capital of 15.3 billion yuan, China Life Insurance is a national, joint-stock life insurance company, up to now, it has established 24 directly affiliated branches, and since 2019, it has ranked among the world's top 500, and its ranking is improving every year. Judging an insurance company's ability to settle claims, we have to mention its solvency, solvency represents the insurance company's ability to settle claims, is a basic indicator to measure the financial status of the insurance company, the higher the solvency, the more stable the financial situation of the insurance company, the less likely the insurance company to fail. Huaxia Insurance Company's comprehensive risk rating is A, far exceeding the passing mark set by the China Banking and Insurance Regulatory Commission, and its performance is excellent, so you can rest assured that you can buy insurance with Huaxia Insurance.

After purchasing insurance, you can check the policy information on the official website of the insurance company, and it is generally no problem to choose regular channels for regular employees to purchase.

Huaxia Life Insurance is a very powerful insurance companyIn 2006, it was formally approved by the China Insurance Regulatory Commission to set up its headquarters in Beijing, which is a national joint-stock insurance company. Huaxia Life Insurance has launched many types of insurance, which can basically meet the needs of all kinds of people, and the insurance is very cost-effective and suitable for ordinary families. The speed of insurance claims settlement is also very fast and fully in line with the provisions of the Insurance Law

When we buy insurance, we usually pay extra attention to the strength of the insurance company, and Huaxia Life Insurance is a very powerful insurance company, which once exceeded 500 billion yuan in total assets in 2018, and the total number of employees exceeded 500,000, directly becoming a super-large insurance company. Moreover, Huaxia Life Insurance has also entered the world's top 500 and China's top 500, so his strength itself is beyond doubt. What's more, the insurance companies on the market are all approved by the Insurance Regulatory Commission, even if there are real problems in operation, there is also the state as the backing, and the policyholder and the insured will not have any economic losses.

The speed of insurance claims settlement is also a factor that many people pay attention to, which is even more worrying, because Huaxia Insurance is very fast in terms of claims settlement and fully complies with the relevant provisions of the Insurance Law. When the insured meets the conditions for compensation, he or she can apply to the insurance company with relevant documents, and the insurance company will pay the compensation within 10 days after passing the review. If the compensation is not paid in time due to the complexity of the situation or other special factors, the insurance company will compensate the applicant for the corresponding losses.

Therefore, there is no need to worry about the speed of compensation, as long as the policyholder prepares the relevant materials after encountering problems, and goes to the insurance company to apply for business. The materials must be complete, because it is related to the speed of the payout. If you are denied a claim because you are not eligible for a benefit, you will also receive a clear explanation.