Now there is a business practice called insurance. Word breaking is the meaning of protection and risk. That is, the function of insurance is the protection of risk. If you encounter risks after buying insurance, the insurance company will compensate you. To say that there is no corresponding risk is not a loss. For example, if you participate in health insurance, the importance of health will be higher if you don't get sick for a year, but if you are sick, the insurance company can also compensate. So insurance is essentially a win-win for whether it is indemnified or not. However, not all insurance companies are good companies. Why did these three insurance companies declare bankruptcy?
The three insurance companies that declared bankruptcy pointed to Oriental Life Insurance, Anbang Insurance and Guosen Life Insurance, respectively. Among them, the most telecommunications is Anbang Insurance. Anbang Insurance went bankrupt, not because there are customers who need to pay higher insurance premiums all the time, and reasonable compensation is not enough to bankrupt the insurance company, which is undoubtedly their own reasons. Due to the large number of insurance companies and fierce internal competition, most people generally only buy one insurance or not buy one insurance, unless they really intend to get insurance money fraud insurance, otherwise they will never buy two insurances to protect themselves.
Therefore, Anbang Insurance can only continue to increase the types of insurance. This is because they are very dependent on external capital, do not have the ability to compensate themselves, and as the business develops, they often suffer losses. Eventually facing bankruptcy, once bankrupt needs to be liquidated, Anbang Insurance is incapable and indeed very helpless. However, Anbang Insurance's brainless occupation of the market and blind expansion of this behavior has had a very serious impact on the insurance industry, and many consumers also buy it, it can be said that Anbang Insurance is indeed self-inflicted. The other two, like Anbang, ended up basically miserable. What about the person who bought it before?
What if the customer says that the insurance company is insured and the insurance company is bankrupt? According to the relevant regulations of the Banking and Insurance Regulatory Commission, the customer's insurance policy will remain valid after the bankruptcy of the insurance company. Regarding the amount of compensation, the Banking and Insurance Regulatory Commission will use the insurance funds of this company to set up a new insurance company, and the insurance company will pay compensation to the insured. No one needs to worry. If you participate in insurance, the company will definitely compensate, you should admire. Insurance is very useful for ordinary residents, and it is never said that the people will suffer. Are you really framing people?
In today's society, some dangers are basically small probability events, whether it is a traffic accident or a serious illness, it is difficult to encounter. For small insurance companies, there are customers who are also repeat customers, there are few new customers coming, there is no need to compensate for any problems that occur, and small insurance companies actually have no big problems. Any delay is not compensated, or there are any financial means that will be noticed immediately. Even if they are small, they don't want to go bankrupt and suffer losses, so small companies don't dare to frame people. Big companies are not. The more abundant your assets and the more thoughtful your services are, the more they will take you on their path. Someone involved in it may not know what to buy. In addition, it may be played with language games and the relevant insurance has not been purchased. The Company also does not compensate.
Summary Insurance companies are supervised by the Bank Insurance Regulatory Commission. Basically no big pits. Small companies also have courage. Big companies also have the right operations. Therefore, buying insurance depends on the individual's wishes.