I would like to ask who has bought Xinhua Insurance, and what is its reputation and claims, okay?

Although I don't like Xinhua very much! But I have to be objective about your questions! Its reputation and claims are not only related to the company's own system!

In fact, the most important thing is the quality of your insurance marketer! See if he can provide you with excellent service! There is a small number of insurance marketers who sign a policy and disappear, and if you have a claim or something that goes out of your way to find him, he is not very active in helping you. So at this time, people tend to think that the company is a problem!

So objective and objective... Hey, hey...

This product is a sum assured dividend. To put it in layman's terms, it is how much money is paid to you every year, but this money will not be available in the near future. For example, it can be converted into a pension after the age of 60, or it can only be obtained after an accident.

New China Insurance's claims settlement has a good reputation in the industry. The largest amount of bancassurance claims in the history of national insurance so far was generated in Xinhua Insurance, with a claim amount of more than 12.3 million yuan. Whether it is Yushu**, Gansu mudslide, or Yichun air disaster, Xinhua Insurance has won wide acclaim for its quick claims.

In 2010, 88% of New China Insurance's customers were satisfied with the claims service. In January 2011, Xinhua Insurance's claim settlement rate exceeded 80% within 5 days. With strong comprehensive strength and excellent product advantages, it has been successfully won.

2010 Most Influential Insurance Company" and "2010 Best Brand in the Insurance Industry" awards.

It's all good, but when it's time for real reimbursement, we won't report it, whatever, we're all victims, don't believe them.

The insured value can be determined in three ways, depending on the individual's needs:

1) According to the provisions of the law and the contract law, the law and the contract law are the fundamental basis for determining the value of insurance;

2) According to the insurance contract and the agreement of the parties. The insured value of some insurance subject matter is difficult to measure, such as life insurance, health insurance, and the human body and life span cannot be measured in money, then the insured value is agreed by both parties;

3) Determine the insured value based on changes in market value. The insured value of some insurance objects is not constant all the time. Most of the underlying assets also depreciate over time, and their insured value tends to decline.

The insurance industry has been misunderstood for many years, and seeing the subject's question, I think it should be a good name for the insurance industry. The insurance company must be formal and compliant.

The establishment and operation of any insurance company is approved and regulated by the state, and there will be no fraudulent moves.

What really needs to be vigilant for consumers should be the insurance product itself.

Let's take a look at what you said about Xinhua Life——

Xinhua is a veteran insurance company that has achieved good results in the 14th China Insurance Innovation Awards. The business content of New China Life Insurance Company focuses on life insurance, critical illness insurance, annuity insurance and other life insurance business.

If you want to know how Xinhua Insurance Company is, you have to look at its products. The products sold by Xinhua have a disadvantage that offline products have - expensive, and there are not too many problems with others, except for individual products. Take their family's more popular critical illness insurance as an example:

Healthy Care C1 is a critical illness insurance with only one critical illness claim, and its specific coverage content is as follows:

As can be seen from the figure, the Healthy C1 has the following advantages:

1. If you are unfortunately diagnosed with a critical illness or die in the first 10 years, you can get an additional benefit of 20% of the basic sum assured.

2. The conditions for this insurance to get an additional 20% compensation are also 6 specific critical illnesses.

Although there are many advantages of this product, it still has certain flaws, such as:

1. The cost performance is not high: the guarantee is average, and the ** is expensive. With a premium of about 10,000 yuan, you can buy a more comprehensive multi-claim critical illness insurance.

2. The claim amount of mild illness insurance is much lower than that of most products on the market. This product only pays 20% of the basic sum insured, so I'm sorry for the premium of 10,000 yuan.

It is advisable to look before purchasing critical illness insurance.

Many people will have doubts when they first hear about New China Insurance: Is New China Insurance regular? In fact, Xinhua Insurance is a company that has been established for a long time and has good solvency, and it is definitely a regular insurance company, so as an old brand insurance company, how is Xinhua Insurance performing, and is it reliable?

Today, my dad will tell you about the specific situation of Xinhua Insurance.

1. Introduction of Xinhua Insurance Company

Founded in September 1996, New China Insurance is a large-scale professional life insurance company in China. The company's main shareholders are **Huijin Investment Co., Ltd. and China Baowu Iron and Steel Group.

1. **Huijin Investment Co., Ltd

It is a wholly state-owned company funded by the state. According to the authorization, on behalf of the state, exercise the rights and obligations of investors of key financial enterprises such as state-owned commercial banks in accordance with the law. The financial institutions in which the company directly holds shares include six commercial banks, four ** companies, two insurance companies and four other institutions.

2. China Baowu Iron and Steel Group ****

It is an important state-owned backbone enterprise supervised by the State-owned Assets Supervision and Administration Commission. Baoshan Iron & Steel Co., Ltd., a subsidiary, is a listed company of China Baowu Iron & Steel Group on the Shanghai Stock Exchange. China Baowu Iron & Steel Group is the largest and most modern steel conglomerate in China.

From the perspective of the company's shareholders, the strength of Xinhua Insurance should not be underestimated.

2. Is Xinhua Insurance reliable?

To judge whether an insurance company is reliable or not, we can analyze it from the relevant public information disclosure data.

1. Registered capital

The registered capital of New China Insurance is RMB3,119,546,600.

2. Premium income

The premium income of New China Insurance in 2019 is as follows:

It can be seen that the income of insurance business is growing.

3. Solvency

Let's take a look at the solvency report of Xinhua Life Insurance Co., Ltd. in the first quarter of 2020:

We can see that the comprehensive risk rating (classification supervision) of Xinhua Insurance in the fourth quarter of 2019 is Class A.

3. What are the products of Xinhua Insurance?

It can be seen that the product types of Xinhua Insurance include annuity insurance, life insurance and health insurance.

Hope it helps!

It's a group of **, don't buy it, when you buy it, you can surrender it at any time, it's a lot, but I paid 40,000 yuan, and only returned 10,006, or an acquaintance, it's too pit.

I bought Xinhua Insurance in 20 years, the first year to pay 2,373 yuan, the second year to pay 2,529 yuan, the third year to pay 2,621 yuan, why do I have to add a little money every year? Is it possible to pay 4,000 yuan a year after more than ten years?

In fact, all insurance companies are similar, and they all take commissions. Sign to make money. I just go there for a while, and I don't have any money. The order is not easy to open, so many salesmen avoid the important and talk about insurance. And there are really a lot of Taoists in it.

Xinhua Insurance is a rogue company, not only pheating customers, but also its own employees. Let you be enthusiastic like a grandson when you join the company, and be an uncle when you leave, you can't find anyone, and no one will go through the procedures. The key point is that this company does not pay salaries, and every day it is difficult, fooling people, and bragging, and many people are pitted.

Xinhua Insurance is a scam, and it has deceived me for ten years. Ten years to deposit 10,000 yuan there, said dividends plus interest, the deposit period is at least five years, said ten years of interest rate plus dividends doubled, but a few days ago due, gave me yuan interest, not as much as the bank, it is really a scam company.

It's not that the new copy of Hua Insurance is deceiving people, it's that the salesman who brought you in didn't explain it clearly to you and lied to you. You zha this is a wage dispute. You didn't buy the Xinhua Insurance DAO product, what kind of lie to you.

And just because you were deceived by the person who brought you in, but you called on the masses not to buy Xinhua insurance products, you are too unreasonable. People who buy any insurance should see if the product is suitable for them. What is the reputation of the claim.

Don't listen to the comments of some people on the Internet.

Everyone's IQ is not.

Treat the source of the same problem with the same.

The views are not the same. Insurance is easy to buy, but it is difficult to settle claims, du has nothing to do with IQ, and the big zhi family can see and understand. I don't see any insurance company that will take the initiative to claim compensation from the insured.

Of course, there are limitations to what I understand, if so, please tell me which one has a mechanism for active claims.

The most pit insurance is Xinhua Insurance, garbage insurance company, all of which are routines, and they regret it when they buy it, and there is no money to return the insurance when they surrender it.

I bought the wealth management insurance of New China Life Insurance ten years ago, and promised to double the guarantee after ten years, but when I went to pick it up ten years later, I said that the salesman had left the company, and I did not admit to the statement.

Claims are not a hassle.

At present, Xinhua Insurance has a series of innovative measures such as intelligent voice answering, mobile claims, real-time payment, portrait comparison, major emergency, grading appraisal, national general claim, and claim condolence, etc., to continuously improve the level of claims service.

In 2018, the company paid a total of about 8.1 billion yuan in claims and more than 1.72 million claims, providing protection services for more than 1 million customers, with a claim settlement rate of about 98%. New China Insurance released its 2018 premium and claims report.

For individual customers, from the application to the payment of the claim, the average claim settlement time is in the number of days; No more than 30 days for complex cases.

I'm going to do it today, Xinhua is too unprofessional, make it difficult for you when you settle the claim, let you run errands back and forth, don't say, you have to prove that your mother is your mother's kind of unnecessary procedures, take it, the same insurance is done in half an hour at the life insurance, and tell you that the money will arrive in a week. Truly experience it.

Don't worry, wait slowly...

If you buy insurance, you will settle the claim.

As long as your salesman is on the job, it is more convenient.

As long as the contract requirements are met, there is no hassle.

I just finished the hospitalization claim for my nephew and niece, and the money arrived in the morning and in the afternoon, which was very fast and not troublesome at all.

The standard process for making a claim.

1. In the event of an insured accident, you should report to the insurance company in a timely manner, and send the relevant information to the insurance company by yourself or by entrusting others.

2. After receiving the materials, the claims department of the insurance company will immediately file the case.

3. If there is a case that needs to be investigated, the investigator will conduct an investigation according to the requirements.

4. The claims adjuster reviews the materials to determine whether the accident is within the scope of insurance liability and calculates the amount of compensation. If in doubt, it can still be re-investigated and a claim conclusion can be made.

5. The claims adjuster will report the review opinions and conclusions, and close the case after signing and agreeing.

6. Notify you to receive compensation or other written notice.

What are the reasons for the extension of the claim period?

1. The materials provided are incomplete and missing;

2. The policyholder, the insured or the beneficiary fails to report the case in a timely manner, resulting in difficulties in obtaining evidence and affecting the determination of liability;

3. The policyholder, the insured or the beneficiary fails to fulfill the burden of proof;

4. If the disability appraisal is involved, the disability assessment shall be done after 6 months of the accident;

5. The relevant unit has not issued a certificate or appraisal conclusion that may affect the outcome of the case, such as the traffic accident liability determination letter, forensic appraisal report, etc.;

6. If the nature is unclear and needs to be verified, such as reading medical records, it usually takes 3-4 weeks;

7. The verification involves other units;

8. The insurer's liability exemption clause applies;

9. If the customer has not paid the insurance within the grace period, the claim can only be processed after the premium is paid.

These are all reasons for slow claims, and it's much easier to avoid them, so keep them for emergencies.

You can also search for "Insurance Claims Investigation Alliance" for more information. The Survey Alliance is the first insurance claim investigation service sharing platform in China based on sharing, LBS and O2O models.