What should I do if Taikang Life Insurance is scammed? Who knows how to tell me, thank you

Hehe, you can disclose the detailed process online and consult experts on how to solve it; There is also a reminder to the landlord and the upstairs, please distinguish between personal behavior and company behavior, and do not name the personal behavior of some salesmen with questionable quality as the company;

The Insurance Law, the Regulations on the Administration of Insurance Institutions and the Regulations on the Administration of Insurance Salesmen clearly point out that if the insurance marketer complies with the relevant national laws and regulations and the relevant provisions of the company, then all the legal consequences arising from his behavior shall be borne by the insurance company, but if his behavior violates national laws and regulations or the relevant regulations of the company, the insurance marketer himself shall be held responsible; So distinguish between personal and corporate actions;

By the way, I suddenly remembered that if it is the personal behavior of the marketer, you can go to the local Taikang Life Insurance to complain; If it is a corporate action, you can go to the local insurance industry association or the insurance regulatory commission to complain; It is recommended to go to the local Taikang Life Insurance to complain about the salesman, the company's service quality is still quite high;

Dear, do you want to cheat the insurance, or the insurance company refuses to pay for it, if you want to cheat the insurance, persuade you to stop the precipice, do you think that the insurance company is doing the claim is all dry food, be careful to lose the wife and break the army. If the insurance company refuses to make a claim, there will be a written reason for you, and if the reason for the denial is unreasonable, you can complain, or sue or something

Taikang Life Insurance is a large national insurance company, why should it lie to you! Did you try to deceive people, but it didn't work?

Write the process of deception on the Internet, and then everyone should have a way!

Wouldn't the big insurance companies cheat on their insurance?

Since you are asked about Taikang, let's see if there is it in this ranking: Taikang Life Insurance is of course reliable. Not only Taikang is reliable, but all insurance companies in China are reliable.

Because China's insurance industry is different from other industries, the establishment requirements of insurance companies are very strict, such as having a paid-in registered capital of 200 million yuan, and also requiring insurance companies to continue to be very rich, and shareholders must also have strength. For example, the shareholders of Taikang Life Insurance include large and medium-sized domestic enterprises and foreign-funded enterprises such as Sinotrans Changhang Group, China Guardian International Auction, China Communications Construction Co., Ltd., and CITIC Huadong (Group). It is precisely because the establishment conditions are very strict, so now all the insurance companies in our country add up to less than 200.

Not only is it difficult to establish, but also after the establishment will be subject to the supervision of the China Banking and Insurance Regulatory Commission, once the insurance company has any problems, such as low solvency, that is, there is not enough money to pay consumers, the China Banking and Insurance Regulatory Commission will take action. So don't worry about the unreliable insurance company, unreliable this thing should be the country's concern, we buy insurance mainly to see the product, as long as the product is good, you can buy. So why is the state so heavily regulated, and some people still say that insurance companies are unreliable and insurance is a lie?

1. On the one hand, it may be that we do not understand the protection responsibility of the insurance product when we buy insurance, such as a critical illness insurance, which covers many diseases, but the provisions for each disease can be claimed are different, and the insurance company will not pay if the illness does not meet the claim standard. In this case, if you don't understand the situation, there is a high chance that the insurance is a fraud. 2. Unfamiliar with the claim process Another situation is that we are not familiar with the claim process and do not submit relevant materials according to the requirements of the insurance company, which will also cause claims disputes.

For Taikang Life's main health critical illness insurance product, there are these advantages and disadvantages:

1.Advantages: Comprehensive coverage. Minor illness benefit starts at 30% and pays 5 times, with the responsibility of paying the sum insured in the terminal stage of death and high disability, and there is also an additional benefit for major organ transplantation or hematopoietic stem cell transplant for high-incidence critical illness.

2. 2.Disadvantages: low cost performance. For the same protection, there are cheaper products on the market that are worth picking.

Taikang Life Insurance, in 2016, Taikang Life Insurance became one of the top 500 enterprises in China, ranking 114th. At the same time, it ranked among the world's top 500 companies for two consecutive years in 2018 and 2019, and is a formal insurance company approved by the China Banking and Insurance Regulatory Commission. Taikang Life Insurance Co., Ltd. was established in August 1996 and is headquartered in Beijing.

In fact, if you want to open an insurance company in China, you must go through a strict audit, and you can only establish an insurance company after passing the audit. The China Banking and Insurance Regulatory Commission stipulates that the solvency of insurance companies must meet the following standards: 1. The core solvency shall not be less than 50%; 2. The comprehensive solvency adequacy ratio shall not be less than 100%; 3. The comprehensive risk rating shall not be lower than B.

Taikang Life's premium income in the first half of 2020 was 101.7 billion yuan, with a core solvency adequacy ratio of 251% and a comprehensive solvency adequacy ratio of 263%, and the risk rating has not yet been announced. This shows that the company is a strong insurance company with good solvency and sufficient premium income.

Aren't all companies regulated by the China Banking and Insurance Regulatory Commission (CBIRC).

The question is, what is the situation of the salesman you are contacting? Makes you feel that way.

Taikang Life. The old harassment ** is not a fraud.

Carry out various types of life insurance business in RMB and foreign currencies, including various types of life insurance, health insurance (excluding group long-term health insurance) and accident insurance.

and other insurance business; reinsurance and coinsurance business of the above businesses; Carry out insurance, inspection, claims and other businesses for domestic and foreign insurance institutions; In the China Insurance Regulatory Commission, there is a shortage of bridges.

Within the scope of approval, the insurance business of **Taikang**Property Insurance Shares**; Carry out insurance consulting business; Engage in the use of funds in accordance with relevant laws and regulations; Securities investment ** sales business; Carry out other business approved by the China Insurance Regulatory Commission. Market entities.

Independently select business projects in accordance with the law, and carry out business activities to change the appearance of oranges; For projects subject to approval in accordance with the law, business activities shall be carried out in accordance with the approved content after approval by relevant departments; It shall not engage in business activities of projects prohibited and restricted by the national and municipal industrial policies.

Chen Dongsheng, CEO of Taikang Life Insurance.

It is proposed that there is no practice and no strategy. Strategy is closely aligned with vision, mission and values. The vision and mission are directional, and the vision is the company's own development goals; The mission is at a higher level, which is the value and significance that the existence of the enterprise can bring to the society, which is an externality.

On the basis of these two, there will be a specific strategy of the enterprise, and in this sense, strategy is the way and method to achieve the vision and mission. Values are the underlying system.

Since its establishment, Taikang Life has insisted on putting the interests of customers first, so that customers and the company have truly become a community of interests. By the end of 2008, Taikang Life Insurance had accumulated 16 billion yuan in compensation expenses in the 12 years since its establishment. Claims settlement is at the core of insurance services, and it is an important embodiment of insurance companies to fulfill their commitments and provide insurance protection to customers.

From customers who pay a few hundred dollars in premiums every year, to a single payment.

From the first claim case to the 8.2 million yuan individual life insurance claim case in 2003, Taikang Life's professional service quality and dedicated service spirit have never changed. Taikang Life's timely, reasonable and efficient claims service has won the trust of the company's customers.

There are two or three text messages a day, and it has been going on for nearly a month. It's so ruthless!!

Taikang Life Insurance Company is not a lie, this insurance company not only has a strong company background, but also the financial strength is also very worthy of affirmation, if there is a small partner who wants to insure Taikang Life's insurance products, if you meet the conditions of claims, you don't have to worry about not having money to settle claims.

Is Taikang Life reliable? What about these products?

1.Company background

Taikang Life Insurance Co., Ltd. (hereinafter referred to as Taikang Life) is a subsidiary of Taikang Insurance Group Co., Ltd. (hereinafter referred to as Taikang Insurance Group), formerly known as Taikang Life Insurance Co., Ltd., established in 1996 and headquartered in Beijing.

As of December 31, 2021, the total scale of Taikang Life's assets under management exceeded 2.7 trillion yuan, of which the total scale of third-party assets entrusted to management was nearly 1.7 trillion yuan. In 2021, the company ranked 87th in the "Top 500 Global Asset Management" ranking by the international authoritative IPE, and 6th in China.

When we look at insurance companies, what exactly do we look at?

2.Solvency

According to the regulations of the China Banking and Insurance Regulatory Commission on the solvency of insurance companies, the core solvency adequacy ratio is 50%, the comprehensive solvency adequacy ratio is 100%, and the comprehensive risk rating is B. As long as the above three requirements are met, it is a solvency insurance company.

Judging from the data of Taikang Life Insurance in the fourth quarter of 2022, the company's core solvency adequacy ratio and comprehensive solvency adequacy ratio are and respectively, and the latest risk rating is BBB, which has reached the passing line stipulated by the China Banking and Insurance Regulatory Commission, and is a reliable insurance company.

So what should we do if the insurance company to which the insurance product we bought goes bankrupt later:

The insurance company is bankrupt, what should I do with the insurance I bought? Hope.

Taikang Life Insurance is not a first-class company, on the contrary, the strength of Taikang Life Insurance Company is very strong, and any insurance company established in China has a strict access system, and its establishment and operation need to be strictly approved by the China Banking and Insurance Regulatory Commission, so you can rest assured.

If you are interested in Taikang Life Insurance Company, you can check out this article:Is Taikang Life reliable? What about these products?

Next, the senior sister will evaluate this insurance company for everyone.

1. Strength background.

Founded in August 1996 and headquartered in Beijing, Taikang Life Insurance is a national, joint-stock life insurance company with a registered capital of 3 billion yuan. At present, Taikang Life has 36 branches across the country, covering all provincial-level administrative units in Chinese mainland, with a marketing team of more than 700,000 people, serving hundreds of millions of individual customers, with a cumulative number of 4.63 million claims and a cumulative compensation amount of 30.6 billion yuan.

2. Solvency.

In addition to the company's strength background, if you want to understand whether an insurance company can really reassure consumers, you also have to look at solvency, which is related to whether consumers' policies can be paid normally.

According to the summary of Taikang Life's solvency report for the third quarter of 2022, Taikang Life's core solvency adequacy ratio for the third quarter of 2022 is a comprehensive solvency adequacy ratio, and the comprehensive risk rating result for the second quarter of 2022 is BB. It can be seen that all indicators of Taikang Life Insurance exceed the standards of the China Banking and Insurance Regulatory Commission.

In general, Taikang Life Insurance is a regular insurance company, so you don't have to worry about its safety. Of course, when buying insurance, you should pay more attention to the insurance product itself, about how to choose the insurance product, the senior sister has also prepared a detailed insurance strategy for everyone, and you can collect it if you need it:With so many types of insurance, which one should I buy first?

Hope.

This one can be assured that it is absolutely reliable. Taikang Life Insurance is also a relatively senior large company in China's insurance industry, and it cannot be a first-class company. It's not like I'm talking about it, it's all about data:

China's Top 10 Insurance Companies Ranking!

Moreover, in China, the establishment of an insurance company has at least 200 million funds, and all insurance companies are subject to the unified supervision of the China Banking and Insurance Regulatory Commission, and the supervision is very strict. This also ensures that all insurance companies in our country are absolutely formal and cannot deceive people.

How an insurance company is, the most important thing is to look at the company's background, solvency and products, let's look at Taikang Life Insurance Company from these three aspects.

First, the company's background

Taikang Life Insurance Company, a national, joint-stock life insurance company established in 1996 with the approval of the head office of the People's Bank of China, is a relatively senior company in the insurance industry.

2. Solvency

The core solvency adequacy ratio and the comprehensive solvency adequacy ratio are the two major capabilities of insurance companies that the CIRC mainly assesses. In summary, the company that meets the solvency standard is 50% of the core solvency and 100% of the comprehensive solvency adequacy ratio.

Taikang Life. In FY2019, both the core solvency adequacy ratio and the comprehensive solvency adequacy ratio were 257%.The overall risk rating is A, far exceeding the passing mark set by the China Banking and Insurance Regulatory Commission, operating stably and performing well.

Third, the company's products

Taikang has been established in the insurance industry for a long time, so there are many products launched accordingly. However, the product is updated quickly, and here is a summary of the main products of Taikang Insurance.

However, the main popular products do not mean that they are worth buying, what about Taikang Insurance's products, which ones are worth buying, and what are the routines? If you want to know more about it, you can take a look at the comprehensive evaluation of Taikang Insurance:

How about Taikang Life, what products are there, in-depth analysis