AM Best imatsimikizira kuti Ping An Health Insurance Company of China, Ltd.

Hong Kong – (waya wa ntchito) –mmawa wabwino Inatsimikizira mphamvu zandalama za A- (zabwino kwambiri) komanso ngongole zanthawi yayitali za “a-” (zabwino kwambiri) za Ping An Health Insurance Company of China, Ltd (Ping An Health) (China). Maonedwe a mavoti awa (mavoti) ndi okhazikika.

Mavotiwa akuwonetsa kulimba kwa pepala la Ping An Health, lomwe AM Best mitengo yake ndi yamphamvu kwambiri, komanso magwiridwe antchito ake oyenera, mbiri yabizinesi yosalowerera ndale komanso kasamalidwe koyenera ka bizinesi. Miyezoyi ikuwonetsanso chithandizo chotsimikizika komanso chodziwikiratu chomwe kampani imalandira kuchokera kwa omwe ali ndi masheya akuluakulu, Ping An Insurance (Group) Company of China, Ltd. (Ping An Group) ndi Discovery Limited, pokhudzana ndi chuma, chithandizo chandalama, chitukuko cha bizinesi, kasamalidwe ka ziwopsezo.

Likulu la Ping An Health ndi zotsalira zakhala zikukulirakulirabe zaka zingapo zapitazi, mothandizidwa ndi jakisoni wamalipiro komanso kusunga ndalama zonse. Mu Epulo 2022, kampaniyo idamaliza kukweza ndalama zokwana 2.6 biliyoni zaku China (US$393 miliyoni) kuchokera kwa omwe ali nawo. AM Best ikuyembekeza kuti chiwonjezeko cha likuluchi chidzakulitsa chiwopsezo cha kampaniyo, chomwe chithandizire kuti Ping An Health ikuchulukirachulukira polemba komanso chiwopsezo cha chuma kuchokera pakukulitsa bizinesi m’zaka zitatu zikubwerazi, monga momwe zimayesedwera ndi Best’s Capital Adequacy Ratio (BCAR).

Ping An Health yakhala ikunena za phindu logwira ntchito kuyambira 2017. Phindu la kampani pambuyo pa msonkho lidakwera 48% kufika pa CNY883 miliyoni (US $ 139 miliyoni) mu 2021, chifukwa cha kuphatikiza kwabwino komanso kusungitsa ndalama mkati mwa chaka. Chiŵerengero cha zaka zisanu zophatikizana zamakampani ndi kubweza ndalamazo zinali 95.0% ndi 22.3% (2017-2021), motsatana. Malire a underwriting, komabe, awonetsa kutsika pang’ono m’zaka zingapo zapitazi chifukwa cha kuchuluka kwa mpikisano pamsika, makamaka, kutsika kwamitengo yogulira, ngakhale izi zidayenda bwino pang’ono mu 2021. kukulitsa kukula kwake kuchokera pamtengo wochepera wowongolera ndikukulitsa mbiri yabizinesi yakampani pazaka zingapo zapitazi.

Ping An Health idachita bwino mu 2021 chifukwa chamitundu yosiyanasiyana yandalama zomwe zimakhala ndi ndalama ndi zofanana ndi ndalama, komanso ndalama zomwe amapeza m’ma bondi ndi mabizinesi ena. Katunduwa wathandizira kuwonjezereka kwa chiwongola dzanja m’zaka zingapo zapitazi.

Ping An Health adawona kukula kwakukulu kwa gross premium yolembedwa (GPW) kuchokera ku 2017 mpaka 2021, ngakhale kuti kuwonjezeka kwa 2022 kukuyembekezeka kuchepetsedwa kwambiri, mwa zina chifukwa cha kukulitsidwa kwake kwa premium, kukulitsa mpikisano wamsika komanso kuchepa kwa ntchito zogulitsa. Zosalumikizidwa pa intaneti chifukwa choletsa COVID-19. Poganizira zakuvuta kwa msika komanso kufunikira kowonjezereka, kampaniyo yakhazikitsa zinthu zaukhondo zanthawi yayitali m’zaka zaposachedwa kuti zipeze mwayi woyamba woyendetsa ntchitoyi. Monga gawo la Gulu la Ping An, kampaniyo ili ndi mphamvu zowongolera njira zake zogawira, potengera mphamvu za bungwe la Ping An Life Insurance Company of China, Ltd. Chinthu chofananira mu mbiri yake yamalonda. Zoposa theka la GPW yonse ya Ping An Health yapezedwa kuchokera ku chinthu chimodzi chamankhwala pazaka zingapo zapitazi.

Zochita zoyipa zitha kuchitika ngati kusinthika kwa chiwopsezo cha Ping An Health kufooketsedwa ndipo kampani ya makolo sipereka chithandizo chandalama, kotero kuti sichikuthandiziranso kuwunika kwamphamvu kwamasamba omwe alipo, mwachitsanzo, chifukwa chapamwamba-kuposa- Zowopsa zomwe zingachitike pakulemba kapena kuyika ndalama zomwe zingasiyane ndi dongosolo la ntchito ya kampani. Zolakwika zingachitikenso ngati kampani iwonetsa kuwonongeka kwakukulu pamachitidwe ake, monga kutayika kosalekeza kuchokera kumankhwala omwe amawunikidwa kwambiri kapena kuwonjezera kuchuluka kwazinthu zamankhwala zomwe zakhala nthawi yayitali.

Zochita zabwino zoyezera zitha kuchitika ngati kampaniyo imatha kuwonetsa kudzidalira kopanga ndalama zamkati popereka magwiridwe antchito okhazikika komanso abwino.

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