Is it reliable to buy insurance claims online?

It is reliable to buy insurance online. As long as the company has a brokerage license issued by the China Banking and Insurance Regulatory Commission, the products sold are strictly reviewed, and you can buy with confidence. In addition, online insurance will be faster and safer, because the information can be submitted online, and the third party will also have a special person to assist in the claim, objectively and neutrally safeguarding the rights and interests of customers.

As long as it is a formal platform and product, there is no need to worry, because the CBIRC supervises online and offline companies the same. At the same time, the operating costs of offline companies are relatively large, resulting in higher insurance pricing than online, and now many online insurance can also be self-claimed, so that it is more convenient to settle claims.

The Internet is only a sales channel, but there are no middlemen, so it is cheaper to buy insurance online. Taking Ping An's children's accident insurance as an example, it costs more than 100 yuan to buy 100,000 yuan offline, and more than 60 yuan to buy 200,000 yuan online. They are all products of Ping Anjia, and the channels are different, so the gap is big.

Whether it can be compensated or not, the insurance terms have the final say, and it has nothing to do with the purchase channel.

Is it reliable to buy insurance online? Is it only possible to buy insurance? In fact, no, today, with the development of the Internet, all insurance companies have online purchase channels, and there will be corresponding electronic policies after the online purchase is completed.

Whether you buy it online or go to the counter of an insurance company to buy it, it is reliable, and now whether it is Alipay, Micro Insurance, or Jingdong platform, you can sell insurance online, and you can compare and contrast insurance online, the premium is transparent, and the claim can also be claimed.

Is it reliable to buy insurance online?

Internet insurance is the product of insurance companies to adapt to the development of the times, the essence of insurance has not changed, but the way of purchase has changed, the China Banking and Insurance Regulatory Commission has also put forward requirements for Internet insurance business, and each product on the shelves must be filed with the China Banking and Insurance Regulatory Commission, so there is no need to worry about the problem of buying insurance online and not being able to make a claim.

Buying insurance is essentially a contract to buy, and it has nothing to do with the size of the company or who the ** person is.

If you understand that insurance is good to choose, it is reliable, and if you don't know how to trust others, it is unreliable.

It is also reliable to buy insurance claims online.

The ways to buy insurance online are generally divided into three ways: the self-operated platform of insurance companies, the self-operated platform of insurance intermediaries and the third-party network platform.

Buying insurance online is a way to buy insurance in recent years, about the difference between buying insurance online and buying insurance offline, Dad wrote an article before, you can see it by clicking here. "The difference between buying insurance online and buying insurance offline, know these and avoid detours".

No matter what platform you buy from, the responsible party is the insurance company. For example, whether you buy insurance from Ant Financial, Wesure, or other third-party internet insurance platforms, they are only selling on behalf of others, and the insurance company is still responsible for the final underwriting, underwriting, and claim settlement. You can understand that the third-party platform is equivalent to an "insurance broker", and the third-party platform will cooperate with many insurance companies, so the products they sell are not limited to the products of one insurance company, the range of products is wider, and there are more types, and there is more room for us to choose.

It is very convenient to buy insurance online, you can buy insurance with a few fingers, the traditional way of insurance is more cumbersome, many need to prepare a series of information such as copies of documents, and you can successfully apply for insurance in a few minutes at the earliest, which is very convenient. And all kinds of information on the page are clear at a glance, what is guaranteed, what is not guaranteed, how much money is a year, etc., there will be detailed terms and conditions, and there is also sorted out information, which is convenient for us to choose and compare.

Moreover, many internet insurance policies have intelligent underwriting functions. We know that usually before buying insurance, it is necessary to underwrite to determine whether the policyholder's physical condition can be insured normally. Generally, there are two ways, the traditional one is manual underwriting, which takes a long time and will leave traces of underwriting, which may affect subsequent insurance.

There is also a commonly used intelligent underwriting for online insurance, which is judged by the intelligent system whether to pass the underwriting, the underwriting time is short, and it will not leave traces, which is more beneficial to consumers.

Many consumers may take ** as the main reference factor when buying insurance online, and do not pay much attention to key issues such as specific insurance periods, protection responsibilities, exclusions, etc. It is recommended that you must read the product terms carefully before purchasing, and you must communicate with customer service in time if you do not understand something. Be sure to pay special attention to information such as exclusion clauses, cooling-off periods, surrender losses, investment risks, etc.

Another point is to take health advice seriously. Before applying for insurance, you will generally be asked to fill out a health notice. Many people will take a casual look and successfully apply for insurance with a few fingers, completely ignoring the health notice.

We must pay attention to the fact that health notification is a very important part of buying insurance, and it is the key to whether the subsequent claim is successful. Don't deliberately conceal pre-existing conditions and physical health conditions, otherwise subsequent claims may not go smoothly.

If you are afraid of being cheated and expensive when you buy insurance, it is recommended that you take a look at this first: avoid pits! 90% of the problems that people will encounter when buying insurance are related to them.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

First of all, buying insurance online is reliable, and there is no problem if you apply for insurance on a formal and legal insurance platform.

Secondly, for insurance products purchased online, when the insured has an insured accident and meets the conditions for claims, the claim can be settled step by step according to the steps of reporting, preparing and submitting claim information.

With the rapid development of the Internet, insurance companies have also adapted to social development and opened up many online sales channels. For example, insurance companies' own insurance**, insurance brokerage companies, insurance third-party platforms, etc.

However, due to the uneven truth and falsehood in the online world, many people have more anxiety and skepticism about buying insurance online; But don't worry!

Because the responsible institutions corresponding to the online insurance channels, like insurance companies, are subject to strict supervision by the China Banking and Insurance Regulatory Commission; You can pay attention to verify the legitimacy of the other party's institution before applying for insurance (for example, go to the official website of the Insurance Association of China to check the registration information of the institution, etc.).

In addition to the safety of buying insurance online, many consumers will also worry about how to make claims for insurance products purchased online.

In this regard, the senior sister would like to tell you: whether the online insurance can be claimed normally depends on whether the insured accident meets the claim conditions agreed in the insurance contract; It has nothing to do with the insurance channel. Hope.

1. There is essentially no difference between online sales products and offline product claims, and the claims of both are based on the insurance contract and insurance-related laws, so as long as it is within the scope of the insurance contract, whether it is online or offline, the insurance company will settle the claim.

2. First of all, whether it is an online product or an offline product claim, third-party platforms such as insurers and insurance e-commerce platforms all play the role of "assisting in claims", and it is the insurance company that really has the right to settle claims; Secondly, both claims are based on the insurance contract and insurance-related laws.

3. Purchasing insurance is essentially signing a contract with the insurance company, and the insurance content and compensation standards are determined in the insurance contract, and the claim settlement is the behavior of the insurance company to fulfill its contractual obligations. As long as it is an insurance liability, the insurance company will not deliberately make it difficult for the insured and prolong the time limit for claims. After all, everything is in accordance with the contract, and the contract indicates that the accident can be compensated, and how much compensation will be paid in practice, and it will be compensated in accordance with the corresponding regulations, and will not be treated differently because the insured is a product purchased online or offline.

In fact, it is more convenient to buy insurance online to make a claim, but whether we buy insurance online or offline, in the end, we need to apply for a claim from the insurance company when we have an insurance accident.

Generally, after the occurrence of an insured accident, we must report to the insurance company in time, provide the corresponding information and then wait for the insurance company's review, and the insurance company will generally reply within the specified time.

And now many insurance companies support online claims, which will be more convenient, generally we only need to follow the guidelines to submit the corresponding information.

For those who don't know much about insurance claims, you can take a look at this article:What is included in [Insurance Claims] and how to define the disability criteria for claims, you need to know

Generally, different types of insurance will have different information required for insurance claims, such as death claims, which must be submitted to the death certificate; In the case of medical claims, we are usually asked to submit receipts for medical expenses.

Therefore, when you make a claim, you should see clearly what information you need to make a claim, and make up for the missing information as soon as possible.

If you are worried that you don't know how to deal with subsequent claims when you buy insurance online, then you can also choose to apply for insurance on some third-party insurance brokerage platforms, because many insurance brokerage platforms will provide good claims services to assist you in making claims.

If you want to choose a good third-party insurance brokerage platform, you can take a look at this article:How to choose a good insurance brokerage company? Hope.

Buying insurance products online, such as accident insurance, critical illness insurance, and life insurance, all support nationwide claims. Medical insurance can also be reimbursed as long as it meets the reimbursement conditions. In other words, it is more convenient to buy insurance claims online, and the claim process is the same as that of products insured offline.

After the accident, first make a ** book to the insurance company to report, and then send the claim information to the insurance company's headquarters, and you will receive the compensation after the review.

In addition, some insurance companies have opened a fast compensation channel, which uploads the claim information through mobile phones and computers, and as long as it passes the insurance review, the case can be closed.

Buying insurance online is basically credible. Moreover, at present, many insurance companies also have very complete online claim services, if you unfortunately need to make a claim, you can also apply for a claim through the online platform of the insurance company!

First of all, let's introduce you to buying insurance online.

In China, the insurance industry has strict and perfect rules and regulations, and the China Banking and Insurance Regulatory Commission will also supervise its daily operations.

If we buy insurance online, it is also supervised by the China Banking and Insurance Regulatory Commission, and the security is guaranteed.

You can apply online through these channels.

How can I buy reliable insurance online? Just look at these two points!

If you need to make a claim, you can also apply for a claim through the official website of the insurance company.

Insurance companies such as Chinese Life and Ping An have also launched official apps. If you apply for a claim through its app, you can also check the progress of the claim in real time, which is very convenient and fast!

In addition, many insurance companies or insurance sales platforms will also have corresponding claims services.

Therefore, you don't need to worry too much about how troublesome online claims will be.

What is included in [Insurance Claims] and how to define the disability criteria for claims, you need to know

Is it reliable to buy insurance online? What is the difference between online and offline insurance? Hope.