Is it reliable to buy insurance on the Internet? Is it reliable to buy insurance online nowadays?

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.

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.

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.

Hello this friend, in fact, there is no difference between online insurance and traditional insurance, the biggest difference is "convenient and fast". As long as it is the correct and regular way, then it must be reliable. Daddy here's an online insurance strategy:

Is it safe to buy insurance online? Daddy teaches you "lightning protection".

1. China Banking and Insurance Regulatory Commission

Before answering this question, Daddy will first give you a science popularization of the China Banking and Insurance Regulatory Commission: The full name of the China Banking and Insurance Regulatory Commission is the China Banking and Insurance Regulatory Commission, which is a public institution directly under the China Banking and Insurance Regulatory Commission and a leading institution for the supervision of the banking and insurance industry.

Information about insurance can be found on the list, including the qualifications of insurance companies, the terms of insurance contracts, insurance brokerage companies, and information about insurance practitioners.

Therefore, if you want to check the authenticity of the insurance company, you can find it through the China Banking and Insurance Regulatory Commission, a public institution directly under the company.

Generally speaking, whether it is insured from the insurer, or on a third party, or on WeChat Alipay. The difference is only the insurance channel, and the final signing is the insurance contract of the insurance company, which is protected and supervised by the law and the China Banking and Insurance Regulatory Commission.

2. Electronic policy = paper policy

Most people who buy insurance online will only provide electronic policies, and some people may feel that electronic policies are ethereal and insecure. Although it is an electronic policy, it is still an insurance policy in the final analysis, and the legal rules are the same. And if necessary, you can also apply for a paper version of the policy.

Therefore, an electronic policy is an electronic document that can be accessed at any time and is protected by law. If you are still not at ease, go to the official website of the China Banking and Insurance Regulatory Commission or call customer service for inquiries.

3. Policy management

Dad found that many friends will think that "as long as they are insured, they will be 100% protected".

In fact, this idea is wrong, once an accident or illness, if you do not take the initiative to contact the insurance company, the insurance company will not take the initiative to make a claim. Because the insurance company cannot actively obtain the living status of the insured.

Many times, I don't even remember what insurance I bought, and I don't know if I can make a claim. This is where policy administration becomes particularly important.

4. Insurance companies

The strength and reliability of the insurance company is also a very important determining factor.

Under normal circumstances, offline insurance is when the insurance broker or ** person finds you and explains to you that insurance will have the idea of insurance. However, the purchase of online insurance is an active behavior, which can be purchased on demand, and the terms and conditions are clear at a glance. When applying for insurance, these materials must be read repeatedly, and it is also very important to tell the truth about your health status!

Some offline salesmen said that the insurance bought online is unreliable, cheap when buying, and unreliable when making claims. But in fact, insurance claims are legally effective, regardless of whether they are online or offline. It's like when we buy clothes, we used to buy clothes in the store, but now we buy clothes online.

No insurance company makes money by denying claims. As long as we have a policy contract, we don't have to be afraid.

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.

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.

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.

In the frenzy of Internet insurance, many people have bought it, and many people have questioned its security.

As long as you buy insurance through formal and legal online channels, it is generally reliable.

However, many people don't know what to pay attention to before buying insurance, so you might as well take a look at the following article:

Before buying insurance, you must first understand these key knowledge points!

With the upgrading of the Internet, many insurance companies have begun to build their own online platforms, and even a number of insurance companies that do not set up offline institutions and specialize in online channels have appeared.

In addition to this high level of noise, many insurance brokerage companies have also launched online insurance business, such as the Shengshi wealth creation platform on the display of many insurance companies' products, which can allow consumers to understand a variety of products at the same time, greatly saving time and cost.

How to choose a good insurance brokerage company?

In general, buying insurance online is reliable, but only if you choose a platform that is legitimate, reliable, and has good service.

So how can you buy reliable insurance online? You may wish to read the following article patiently:

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

Is it reliable to buy insurance online? Next to a friend.

If something happens, it's troublesome to settle a claim.

In recent years, technology has continued to evolve, and the Internet has achieved technological take-off. I've infiltrated every aspect of our lives, going out to shop, electronic payments, community**, and swiping short** when we're resting and entertaining. A lot of things that could only be done under **, now because the Internet is within reach, insurance can of course also be done through the Internet, so I think Internet insurance is still quite reliable, the following is my personal opinion.

1. Internet insurance is generally the business of Internet giants

Nowadays, Internet companies are not only about apps, but they are also developing a variety of other businesses, such as investments, deposits, and so on. The insurance business is just one of their many businesses. There are large manufacturers behind reliable Internet insurance as technical support, and their business personnel are still relatively professional, and any questions can be solved online, without running around, avoiding a lot of useless work.

Therefore, Internet insurance is still relatively reliable. <>

2. Apply for insurance directly, without going through an intermediary

We use the traditional way to buy insurance many times so that the middleman makes a lot of money, but now through the Internet, a sum of money is saved, and a lot of costs are saved. In addition, it also prevents the middleman from escaping, and all transactions have data records, which can be viewed with mobile phones, which is very convenient. Therefore, I think that Internet insurance is in line with the insurance method of the new era, and it is an industry that came into being in the Internet era, and it is still reliable.

Third, it is easier to defend rights

Because these Internet insurance companies that we will buy are all one of the businesses of the Internet giants, plusIn modern society, the Internet is developed, we can express our demands through the Internet, and we also have mobile phone records as evidence, plus the promotion of netizens, it is relatively easy to protect our rights. However, with offline insurance, both sides insist on their own words, and it is difficult for everyone to judge who is right and who is wrongSo I think Internet insurance is still reliable. <>

What do you think about this? Feel free to share!

Now the Internet is very developed, there is only what you can't think of, and there is nothing that the Internet can't do. And now there are many people who prefer to buy insurance on the Internet. They believe that buying insurance on the internet is not only cheaper than offline insurance, but also that it can be covered.

But we also wonder if internet insurance really works.

In response to the emergence of Internet insurance, I think we should also treat it differently. There are two sides to everything, there are both advantages and disadvantages of Internet insurance, and I will talk about the pros and cons of Internet insurance. The advantage of online insurance is that it is more convenient than offline insurance.

Offline insurance sometimes goes once, and it may not be able to achieve the desired effect. There are even times when you have to go offline to apply for insurance, some documents will be forgotten to bring, which will add a lot of trouble at this time.

Internet insurance is different, according to the steps on the Internet can be realized on the Internet insurance operation, not as troublesome as offline insurance. I think some people who choose Internet insurance are also for convenience. The disadvantage of Internet insurance is that some ** are not safe.

Nowadays, there are many types of Internet insurance, and when we choose insurance, it will give us a headache as to which insurance should be more secure. Of course, it is very important to choose a good internet insurance. If you listen to other people's slander and choose an unreliable insurance, and the Internet is a virtual space, all impossibilities will happen, and it is impossible to know whether the insurance we insured will fail.

So there are more disadvantages than benefits of internet insurance.

Therefore, online insurance will be riskier than offline insurance. Not all internet insurance is more reliable than offline insurance. No matter which insurance company we choose to insure, we must choose carefully and consider carefully, do not let our money go down the drain, let our money be worthwhile, and fully guarantee the safety of our lives.

If it is unreliable, there may be some fraudulent behavior, so in general, it is best to go to the corresponding institutions or some companies to buy, so as to ensure that there will be no fraud.

It is reliable, and the insurance on the Internet will have some anti-virus software and anti-theft software security protection.

Insurance is very reliable, and now many people will buy the corresponding insurance from the Internet, and there is no problem.

Internet insurance is still relatively reliable, and many people now buy insurance on the Internet. There are regular operating units.

There are many companies that can choose from Internet insurance, and it is okay to choose the right one for you based on the actual situation, and in general, Internet insurance is reliable. So, what happens to our policy in case it goes out of business? Read this article and you'll know.

What happens if the insurance company goes out of business? 》

When applying for insurance online, you must pay attention to the formality of the channel, see if it is qualified for sales, and then look at the product, you must take the initiative to fully understand the protection content of the insurance, and if you really don't understand or can't solve it, you can seek help from professionals.

Whether the insurance is good or not, in the end, it depends on the terms and conditions to see whether it is suitable for you. Whether Internet insurance is reliable or not, see here: "Is Online Insurance Reliable?" The answer is here

Today, Daddy will take stock of a few top-ranked Internet insurance companies. But there must be many friends who want to ask Dad: These Internet insurance companies have not heard much about them, so are they reliable?

What are the advantages of traditional offline insurance companies?

For the first question, friends don't have to worry too much. Insurers, whether online or offline, need to meet certain conditions when setting up and be approved by the CBIRC. As long as the contract payment conditions are met, the insurance company will settle the claim normally.

What are the advantages of Internet insurance companies compared with traditional offline insurance companies?

First of all, and the point that everyone is most concerned about, Internet insurance is often cheaper than traditional offline insurance.

The premium we pay when we buy insurance is composed of two parts: pure premium and additional premium, and the additional premium includes the underwriting cost and operating cost.

Internet insurance takes advantage of its online activities to save a lot of underwriting costs and operating costs for everyone, so the premium is correspondingly reduced.

Secondly, it is more convenient and faster to buy insurance online.

When choosing a product and applying for insurance, you can browse and buy directly on the website, so you don't have to run around on your own.

When underwriting, you can choose smart underwriting or manual underwriting, which is less likely to be rejected. If you choose smart underwriting, even if the health notification is not passed, it will not leave a trace.

When making a claim, you can directly apply for a claim online and upload the claim information, instead of reporting and submitting information offline as you do traditionally. Finally, you can browse and compare the products of different insurance companies online.

Internet insurance solves this problem very well. You can freely choose different insurance companies, and you can learn about the differences between various products without leaving home, which is very convenient.