Is it cheap to buy insurance online? Is it so cheap to buy insurance online?

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.

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.

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? 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.

Is it reliable to buy insurance online?

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, relatively speaking, it will be a little cheaper than offline insurance companies, eliminating the price difference in the middle, and giving you an intuitive selection environment. And it's relatively convenient, suitable for those who like to stay at home!

It is reliable to buy insurance online. In fact, buying insurance online is similar to buying other products online. For example, if you like a refrigerator, there is the same model on the Internet, and it is cheaper, then it must be purchased online.

If after-sales service is needed later, the after-sales service of the brand will also be responsible.

1. So the difference between online buying and offline buying is **, in fact, in the final analysis, it is just a difference in sales channels. Insurance companies are real, and the registered capital of insurance companies is 200 million, and the products are all products of insurance companies. Many of the insurance products available online are very large insurance companies.

All insurance products sold will be filed with the CBIRC.

2. Therefore, regarding the claim, whether it is bought online or offline, the final claim is made by the insurance company. Claims are settled by insurance companies in accordance with the insurance contract and the relevant provisions of the insurance contract. The insurance company will not make a claim because the user ** buys it, and it will not make a claim if it buys online.

Extended information: 1. Insurance entities.

1. The insurance subject is the subject of the insurance contract, which only includes the policyholder and the insurer. The insured, the beneficiary, and the policy owner are not insurance subjects unless they are the same person as the policyholder.

2. The policyholder refers to the person who has entered into an insurance contract with the insurer and has the obligation to pay insurance premiums in accordance with the insurance contract. The policyholder can be a natural person or a legal person, but must have civil capacity.

3. The insurer, also known as the "insurer", refers to the insurance company that enters into an insurance contract with the policyholder and bears the responsibility of compensation or payment of insurance money. In China, there are two forms: joint-stock **** and wholly state-owned company. The insurer is a legal person, and an individual citizen cannot act as an insurer.

4. The insured refers to the person who has the right to claim the insurance money after the occurrence of the insured accident and whose property interests or personal life are protected by the insurance contract according to the insurance contract. The policyholder is often the insured at the same time.

5. The beneficiary refers to the person designated by the insured or the policyholder in the life insurance contract to enjoy the right to claim insurance money, and the policyholder and the insured can be the beneficiary. If the policyholder or insured person does not designate a beneficiary, his legal heirs are the beneficiaries.

6. The owner of the policy, the person who has the ownership of the insurance interest, is often the policyholder, the beneficiary, and can also be the assignee of the policy.

2. Object of insurance.

1. The object of insurance, that is, the object of the insurance contract, is not the subject matter of insurance itself, but the insurable interest of the policyholder or the insured in the subject matter of insurance (biāodì).

2. Insurable interest is the legally recognized interest of the policyholder or the insured in the subject matter of insurance. This is mainly because the insurance contract does not protect the safety of the insurance object itself, but the economic interests of the policyholder, the insured and the beneficiary after the insurance object is damaged. The subject matter of insurance is only a vehicle of insurable interests.

With the help of the online platform, the insurance products of the Internet can save the cost of not answering and omitting, such as store rent, ** commission, etc. Therefore, the same protection of the product, **on the insurance, **will often be cheaper than **under the insurance.

In addition to being cheaper, online insurance also has many advantages. For example, it is convenient and time-saving to apply for insurance, as long as you use mobile phones, computers and other network tools, you can complete the insurance, which is very time-saving and convenient.

In addition, through online application, the types of insurance products available are relatively diverse. Because of the online third-party insurance sales platform, most of them bring together the products of many insurance companies to sell.

Consumers can choose insurance products that are more cost-effective and more in line with their own protection needs according to their own protection needs.

However, everyone should pay attention to the fact that although online insurance has the advantages of cheapness, convenient insurance, and a variety of optional products. However, nowadays, Internet frauds emerge in an endless stream, and before applying for insurance, the senior sister recommends that you first go to the official website of the China Banking and Insurance Regulatory Commission to check whether the platform is a formal sales platform.

The reason why buying insurance online will be cheaper than buying insurance offline is because compared with offline insurance, insurance companies do not need to open branches across the country, which saves a lot of daily operating costs such as store rent, labor, water and electricity bills, etc., and the layers of links are reduced, and the overall operating costs of Fanzheng are decreasing, so it is more affordable.

So is it reliable to buy insurance online? The answer is yes. Because the insurance products sold on the formal online platform will be filed with the China Banking and Insurance Regulatory Commission, our insurance products are signed with the corresponding insurance company, and the final electronic policy is legally valid like the paper policy, everything is subject to the terms, and finally the corresponding insurance company will provide us with protection.

For those who still have questions about whether Internet insurance is reliable, you may wish to read this article Fortune Code: Is it reliable to buy insurance online? What is the difference between online and offline insurance?

Finally, the senior sister reminds everyone that we must choose a formal channel with a legal license to buy insurance, so that even if there is a claim dispute in the future, the CBIRC will also help us, after all, the insurance purchased through informal channels cannot be legally protected. In addition, insurance should also learn to avoid some common pits, in order to better choose their own insurance products, this anti-pit guide, we must take a look: [insurance] which is good, how to buy cost-effective, hand in hand to teach you to avoid these pitfalls of insurance.

Compared with offline traditional insurance, many insurance products online are indeed cheaper.

Offline insurance needs to spend a lot of space, personnel and other costs to operate, Internet insurance is basically online sales, insurance, claims are basically the first operation, many insurance companies' network and insurance platform will use intelligent customer service to solve the customer's basic insurance consulting problems.

On the whole, Internet insurance does not need to spend more space and labor costs, and the premium** will generally be lower than that of offline insurance. You can check out this article to distinguish the difference between buying insurance offline and buying insurance online:Is it reliable to buy insurance online?

What is the difference between online and offline insurance?

There are many online insurance channels, the insurance company's official website, APP, WeChat insurance can be purchased on the product, in addition to Alipay's ant insurance, WeChat's microinsurance, and some third-party platforms, such as the insurance consulting platform set up by the insurance company.

In fact, whether it is offline insurance or Internet insurance, the CBIRC's supervision of them is the same.

For example, an insurance brokerage company needs to be approved by the China Banking and Insurance Regulatory Commission before it can be established, and after its establishment, it must also accept the strict supervision of the China Banking and Insurance Regulatory Commission, and the insurance platform it establishes must also hold the qualification of an insurance intermediary license before it can operate insurance-related business. In this article, Sister Xuezao teaches you how to identify a reliable insurance platform:A good insurance consulting platform must meet 3 requirements, otherwise the claim problem is a big hole!

Offline and online insurance are credible, but we can not take it lightly, buying insurance is not a random thing, it is related to our interests, no matter in which channel to buy insurance, we must combine our own protection needs and economic conditions to choose the right type of insurance and products, for the product, we also have to make a specific analysis, and then decide whether to insure. Senior sister will share a few more tips to help you buy reliable insurance products online:How can I buy reliable insurance online?

Just look at these two points!

Hope.