What is the difference between online and offline insurance?

The main differences between online insurance and offline insurance are as follows:

1.There are a variety of online insurance products

Offline insurance personnel can usually only sell the products of one insurance company, and consumers can choose a relatively single product, while the online sales platform can generally sell the products of multiple insurance companies at the same time, and consumers have a wider choice.

And consumers can also choose the most suitable and cost-effective products through the comparison of multiple products, which is more beneficial to consumers.

2.It's more convenient to apply online

Online insurance generally only needs to log in to the sales platform page online, and then choose the product you are satisfied with to apply for insurance, which does not take too much time.

Offline insurance requires consumers to go to the store to find insurance personnel, and there will be some more cumbersome procedures for insurance, which will take more time, which is not as convenient as online insurance.

3.There is a sense of intimacy in offline insurance

Online insurance consumers are faced with a cold screen and a virtual online world, and the entire insurance process is generally not explained by a special person, and a lot of insurance knowledge needs to be understood by themselves, which is a bit difficult for insurance novices.

Consumers can communicate face-to-face with the sales staff, and if they don't understand something, they can directly put it forward, and there will be a special person to explain, and consumers can intuitively experience the service of the sales staff during the purchase process, which is more intimate.

The above points are roughly the difference between online insurance and offline insurance, in fact, there is no clear difference between these two insurance methods, and whether they are good or not depends entirely on the consumers themselves.

1. Different channels.

The channels for buying insurance offline are generally physical stores, insurance companies, bank insurance, etc. The main channels for buying insurance online are the insurance company's own official website, APP, insurance**, third-party insurance** and insurance brokers.

2. The form of the insurance policy is different.

The policy for offline insurance is usually a paper policy, while the policy for online insurance is an electronic policy. Although electronic and paper policies are different in form, both are contracts signed between consumers and insurance companies, and both have the same legal effect.

So what do we need to pay attention to when signing an insurance contract, let's see what the experts say.

Teach you to identify those pitfalls in the insurance contract! "Teach you to identify those pitfalls in the insurance contract!

3. Premiums are different.

Due to the expenses related to the commission of ** person, store rent, etc., the premium of offline insurance will be higher than that of online insurance. However, online insurance does not require rent, no commissions and other related expenses, and the operating costs are relatively low, so the premiums are often compared with offline insurance.

It will also be cheaper.

4. The choice of insurance products is different.

Offline insurance is usually a physical store or an insurance person who sells the products of an insurance company, and consumers can choose fewer products, while online insurance is a third-party sales platform.

There are two differences between online insurance and offline insurance: first, the form of the policy is different, the policy of online insurance is mainly in electronic form, and the policy of offline insurance is mainly in paper form; Second, the claim process is different, online insurance claims are mainly carried out through online methods such as WeChat *** of the insurance company, while offline insurance requires everyone to apply for claims at the physical institution.

There is no difference, as long as it is a regular company.

The difference between a brick-and-mortar store and no brick-and-mortar store.

The difference between cyber insurance and traditional insurance.

What are the differences between online insurance and traditional offline insurance?

1. What are the differences between insurance products?

If you apply offline:

Many of the offline sales are traditional critical illness insurance, which is currently more suitable for friends who want to protect it for life, and some also have a return function.

If the network is insured:

At present, many insurance companies have launched some innovative products, which are not only prioritized for online sales, but also many are only sold online.

Many internet insurance plans are very competitive in premiums** because they are fixed-term or do not include death liability.

2. What are the differences in the application process?

1. Offline insurance application process.

Offline insurance will have a salesperson to introduce the product, and may give you some guidance during the insurance process, if it does not meet the health notice, the salesperson can use professional knowledge to tell you some declaration skills.

The problem is that there are currently 8 million insurance salespeople, and some salespeople are not professional, not only can they not give you professional guidance, but they may also be misleading.

You may meet a very professional and conscientious sales partner, or you may meet an old fritter who can only recite words and has no independent thinking.

2. Online insurance application process.

Different from offline insurance, the products sold on the Internet do not have much guidance from salespeople, which is indeed the disadvantage of online sales at present.

In many cases, just like buying a mobile phone or TV online, if you know what you need and have the knowledge to choose a product, then I think you can also buy insurance online.

Nowadays, many Internet insurance companies have launched intelligent underwriting functions, even if there are some diseases in the body, through intelligent underwriting, the underwriting conclusion can be obtained immediately, while the traditional offline method is still: submission of information - review - result feedback, which is not efficient.

If you are a novice in insurance, then it is recommended that you be cautious about applying for insurance online.

If you already have a certain amount of insurance knowledge, then you will be surprised to find that Internet insurance is not only simple and convenient, with many product choices, but also quite reliable.

I think the best thing about offline insurance is that you can find your middleman, who is it? If you are in danger, you can report it directly.

There is a difference in terms of terms.

There is also a difference when it comes to making a claim.

The biggest difference between online insurance and offline insurance is that the way of insurance is different, and online insurance can be applied online using a mobile phone or computer. Offline insurance needs to be insured at the insurance company's outlets. Please see the points that need to be paid attention to when applying for insurance online:

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

For the specific difference, please see the following analysis of the daddy:

1.The difference in insurance methodsIf you purchase insurance online, you will find detailed information on the sales page of the product.

2) Physical insurance is the purchase outlets set up by the insurance company, that is, the physical store, and the insurer will explain the terms and conditions of the insurance.

2.The difference between insurance policies

Online insurance will send an electronic policy via email, while physical insurance will generally give a paper policy. For more information on the administration of the policy, please see:"When I lost contact with the insurance policy, I realized how important policy management is".

Electronic policies are also legally valid, and can be used as one of the bases for claims just like paper policies.

Article 14 of China's Electronic Signature Law stipulates that "a reliable electronic signature has the same legal effect as a handwritten signature or seal." ”

3.Differences in the claims process

1) The claim of online insurance is generally carried out online, as long as the relevant claim information is collected in accordance with the requirements of the system, and the photo can be uploaded to the system or mailed to the insurance company.

2) Entity insurance claims need to be reported to the claims department of the insurance company, and then contact the insurer to ask about the information that needs to be prepared, and finally send the information to the outlet by mail or if there is an outlet nearby.

But in fact, whether it is online insurance or physical insurance, the claim process may be different, but the insurance company will handle it in the same way, and will not give priority to it just because you are an online insurance. Please see this article for the steps to make a claim"It is not difficult to follow these steps for insurance claims".

4.The difference between underwriting

At present, there are two types of underwriting, manual underwriting and intelligent underwriting.

1) Online insurance has intelligent underwriting and manual underwriting.

2) Physical insurance is only manually underwritten, and there are more health notices.

Manual underwriting will be relatively strict, and insurance companies will have the following four underwriting results in order to control risks:

a.Standard Body Coverage: Good health, in accordance with the provisions of the contract, can be covered.

b.Surcharge coverage: There are some minor physical problems that require additional coverage to be covered.

c.Exclusions: That is, if you have some physical illnesses that are not covered by the insurance company, the rest of the illness insurance companies can cover them.

d.Refusal of insurance: The illness is serious and is not covered by the insurance.

Regardless of whether you apply for insurance offline or online, the most important thing is to choose the right product for yourself, so that you can get better protection.

The difference between cyber insurance and traditional insurance.

What are the differences between online insurance and traditional offline insurance?

1. The types of insurance are different.

Most online insurance products are different from the insurance products sold by insurers and brokers. A small number of online insurance products are specially customized, only allowed to be sold online, and do not require salesmen to promote sales, eliminating the commission of some salesmen, and the premiums will be cheaper; However, most online products are short-term insurance with a term of no more than one year, such as accident insurance, medical insurance, travel insurance, etc., which are very cheap in themselves; Offline insurance products are generally long-term and lifelong products, such as critical illness insurance, whole life insurance, etc., which will definitely be more expensive than short-term insurance.

2. The service you enjoy is not the same.

Whether it is an insurance purchased online or offline, when you need to change the information (such as the change of the beneficiary or the policyholder), you need to go to the official website to change it yourself.

After buying insurance, many people may want to surrender the insurance for some reasons, if it is an insurance purchased offline, you can go directly to the service point or consult the customer service for surrender, and online surrender needs to be operated online, and you can quickly apply for surrender by providing personal information.

3. The underwriting results are different.

The underwriting of online insurance is relatively relaxed, and there are few or no health notification items, which is difficult for people with some minor physical problems to apply for insurance normally, and most of them are directly refused. This requires consumers to understand the basic knowledge of insurance, such as under which circumstances they can make a claim, and under which circumstances they cannot make a claim. After getting the policy, you must read the terms of the insurance carefully, because the insurance claim is completely based on the terms of the insurance.

If you buy insurance offline, there will be more health notices, and the insurance will be very humane, and you can apply for insurance normally, with additional premiums, or except for insurance.

4. Insurance claims are different.

The insurance company is an institution with a clear division of labor and a mature system, and for claims, it needs to operate in accordance with the terms of the product, legal and medical guidelines and the company. As long as it meets the terms of the contract, the insurance company will pay if it does not pay, and if it does not meet the requirements of the claim, even if the insurance is sold to you by the boss himself, it will not be paid.

Whether it is online or offline, the most important thing to buy insurance is to understand whether this product is suitable for you, buy insurance according to your own needs, and hold the initiative in your hands, no one can fool you.

Online is better, there is quality inspection online, if the business personnel exaggerate the policy components, they will be quality checked, there are special services and regular return visits, and the quality of offline salesmen is uneven, and the policy components are often exaggerated. The turnover rate is high, and it is easy to produce a large number of orphan customers. The so-called service is basically not, they are the best people, just sell, and the after-sales guarantee basically does not matter.

Once you leave your policy, if you are lucky, you will be assigned a new service staff soon, and no one will take care of it for more than ten years, and no one will ask.

It must be offline, and there will be someone to provide you with services!

1. The premium of offline products exceeds 10,000 at every turn, and online products are generally cheaper.

2. The online guarantee content is many and complete, and the offline products are comprehensive and worry-free, and the sales are full of highlights.

3. Therefore, if you buy insurance offline, you will only recommend one product to you. If you like it, buy it, if you don't like it, find someone from another company to recommend it. To buy insurance online, you mainly buy it on the official website of the insurance company or a third-party insurance brokerage platform.

The insurance company's official search is on the Internet, and the recommendation of the offline ** people, the soup is not changed, and only one is sold.

4. Offline ** people can only recommend large and complete lifelong heavy fluid leakage travel disease products. **On the platform, you can see a variety of products: fixed-term, life-long, multi-payout, single-payout, ......Online insurance products have obvious advantages in terms of cost performance.

The difference is in knowledge and service. If you are professional and have access to many insurance companies and products, then choose for yourself. If you don't understand, can you rest assured that you can buy blindly online?

In addition, after consulting with a professional person, you can also buy online products. For example, I can recommend the products of hundreds of companies online and offline, and what to recommend is based on the customer's situation. If I had to make a difference, let's be specific:

1. The product type is different.

Online products: Focus on consumer-oriented products, generally one-year accident insurance and medical insurance.

Offline products: more abundant, whether it is accident insurance, medical insurance, life insurance, critical illness insurance, annuity insurance, group insurance, corporate property insurance, etc. It can be customized.

2. The risks are different.

Online products: You need to have a good knowledge of insurance, and you can avoid some unnecessary risks. For example, health notice, such as product terms, etc., you have to understand, understand, and know that you can only be really useful when you buy it later, otherwise you can only be responsible for it if there is a problem.

Offline products: There are professional services (really professional talents), providing a series of services such as insurance consulting, protection planning, assistance in insurance application, and assistance in claims settlement.