Online insurance, will it be more difficult to settle claims than offline?

Online insurance claims are the same as offline. Whether it is online insurance or offline insurance, what you need to do to make a claim is to directly call the insurance company for a claim** and follow the established process. The key to whether a claim can be properly made depends on whether the insurance is in place, whether the health notice has been made before the insurance, and whether the information required for the claim after the insurance is complete.

Online insurance, will it be more difficult to settle claims than offline?It is enough to read this article "The difference between buying insurance online and buying insurance offline, know these and avoid detours!" 》

Offline claims

What is an offline claim? Offline claims are generally made by contacting the salesman immediately after the accident, and the salesman will tell you what information you need and provide assistance in data collection, but not all of them can be done by the salesman.

For example, critical illness insurance, the required information: disease diagnosis certificate, discharge summary, pathological examination report, and personal information such as ID card and bank card.

Among them, the disease diagnosis certificate, discharge summary and pathological examination report involve personal privacy and personal medical history, and the salesman cannot do it on behalf of him, so he must bring his ID card to the hospital case room to apply for information.

After the information is collected, the salesman will help submit it to the insurance company's claim application department.

There is also a kind of offline claim settlement is to go to the service counter of the insurance company to apply for a claim in person after ** report the case.

This kind is generally a relatively large company with branches in multiple provinces and cities. In this way, you need to make an appointment first, and in case the information is incomplete and needs to be refilled, then all the information will be returned, and you will come to supplement the information after the next appointment.

This method of claim settlement is time-consuming and inefficient. At present, many customers no longer apply for door-to-door, but directly mail information to apply for claims.

Online claims

What is the difference between online claims and offline claims?

Online claim settlement refers to Internet claims, which is a very convenient thing, and there is no need to worry about remote claims, which is more time-saving than offline claims.

2.Whether it is in the same city or in another place, you can take the express delivery of the information required for the claim to the insurance company or insurance brokerage company.

3.The insurance company communicates and confirms the completeness of the claim information according to the prescribed review process. If the information is complete, you will be able to get the compensation soon.

If the information is incomplete, the result after a long wait is that the information is incomplete and the information needs to be supplemented. Therefore, before submitting, you must make sure that the information is complete and correct before handing it in, and then the role of the insurance planner comes out and can assist you in making a claim.

For online claims, if the claim amount is small, if the company stipulates a claim within 5,000 yuan, you can directly apply for it through its official WeChat, APP and other mobile terminals for small claims fast payment channels, write down the insurance situation, and take photos to upload the claim materials.

It's nothing, everything that should be compensated has to be compensated. However, there may be no local salesman online, no door-to-door service, and no timely guidance, you need to sort out the information yourself, and then express it. Courier fees are generally paid by yourself.

I handled a hospitalization medical claim for Zhong'an Insurance's group insurance for my dad, and their company bought it, but the people in their company didn't know how to get it, so they gave my dad an app or ***, he couldn't figure it out, and then asked me to get it for him. I called**, the customer service said that my dad can't deal with this situation online, to send materials, and then the customer service replied to my email, and then asked me to mail the materials myself, tell me how to fill in the form, some of the list to print out and fill in, I don't know if it's more advanced now? After all, years have passed.

Then I sent it, and the courier fee was not reimbursed, I paid it myself. However, the materials they courier back did not ask me for the courier fee, anyway, more than a dozen yuan, and both parties took care of themselves.

But I think the claim speed is quite slow, I waited for more than ten days, and then waited for him to finish, and then sent the materials back and waited for more than ten days. However, this speed depends on the situation, sometimes it is fast and sometimes it is slow. There are also slow ones offline.

In fact, offline insurance will be more expensive than online, because the salesman's commission must be out of the sheep, but having a professional salesman really saves a lot of time and energy. Look at each of them. If you are good at reading contracts and terms, you are more good at playing **, dealing with various processes, and online is also very suitable, and you will be self-sufficient in the future.

If you understand insurance and understand insurance claims, online and offline are the same, but if you don't understand them, online insurance claims are much more troublesome than offline.

If you buy offline, you must find a salesman to buy, in case of a claim, the salesman will definitely assist you in applying for a claim together. It's definitely a little more difficult to buy online than offline. Because you have to do it yourself.

Online insurance should be similar to offline, and I personally feel that online is more convenient, but you still need to provide evidence or something for claims, and you need to understand it yourself.

Online insurance can be a bit more difficult than offline insurance claims.

Moving business online is nothing new for insurers. Not only is it very convenient and fast to buy insurance online, but the insurance premium is also much cheaper, so many consumers are willing to buy insurance online. Some consumers find it more reassuring to buy insurance under **.

At present, all insurance products listed for sale have been approved for listing and sale by the China Insurance Regulatory Commission. In other words, it is a guarantee that the product, claims, etc. are qualified and legitimate. The subsequent claim process, whether it is an online or offline purchase, will be compensated as long as the insurance company's compensation conditions are met and the corresponding information is submitted.

Insurance is both distinct and homogeneous from other commodities. For example, product strategies are different for different channels, just like other commodities. In addition, there are ** e-commerce models such as clothing, which have absolute advantages.

For example, we are online daily necessities or electrical appliances, etc., for some special editions, the online red version is also common. Insurers will only sell some online insurance products through online channels. Taking critical illness insurance as an example, most of the traditional critical illness insurance sold offline in the insurance market is traditional critical illness insurance, and many critical illness insurance policies have a return function, and the insurance period can be selected for life.

Still, for many families, this ** is surprising.

There are a lot of innovative products, and they are sold both online and online. For example, consumers are free to choose critical illness insurance up to the age of policyholding. There are also many differences in the insurance liability of the product:

You can choose to be liable for death or not, and the payment terms are 10, 20 and 30 years. We can see that these products are very flexible and the customers are very independent in their purchases. Premiums** are very competitive, but customers themselves have high requirements for insurance knowledge.

Claims are the biggest concern for consumers of insurance products, and no one cares. After all, we can't guarantee the claim, and the basic principle of insurance claims for online and offline claims is that the profits of the insurance company are consistent online and offline. On the contrary, the cost of online product sales is lower.

Whether it is Liangtang through the Internet, **, **, bank and other channels to purchase insurance, the process of claim settlement is to submit claim information, verification, feedback, claim - compensation. Of course, it is undeniable that if the salesperson or the insurance ** person has a particularly good personal relationship with you, running errands to help you complete some cumbersome processes and provide some claim advice, which is also the advantage of offline insurance. To sum up, we can conclude that both online and offline insurance depends on the individual's choice, and the difference between the products is mainly in the protection of the insurance itself.

Whether it meets the policyholder's financial situation and product needs is the key point to consider when choosing an insurance channel.

There may be different types of Zheng Zhidu, and there will also be a purchase process that does not call for verification, and the way of claim settlement is different, different contracts will be signed, and there will be different treaty regulations.

The process is different, online compensation is required to click on the ** on the compensation, and then the leather posture will be paid after the review by the posture staff, but if the ** is the next one, it is necessary to prepare a lot of materials, and after a long period of review, the money will be put into the account.

There will be different types of oranges and plums, the process of handling will not be the same, there will be different ways, there will be different skills, the amount of the claim is not the same, and so on.

The difference is still relatively large, the types of products are completely different, generally online are some consumer type insurance or transaction type products, offline generally let the year is financial type insurance; Then, if you pay on the **, you can also fill in your personal information after buying your favorite Xiangshan things, and if you are offline, you need to fill in the paper information of Tanyan, and you also need to pass the review.

Summary. Hello dear! We're glad to answer for you! The correct solution is as follows: insurance claims are the same online and offline! Essentially, there is no difference between online and offline claims, and online claims are even more convenient than offline claims.

Hello dear! We're glad to answer for you! The correct solution is as follows: insurance claims are the same online and offline! In essence, there is no difference between online claims and offline claims, and online claims are even more convenient than offline claims.

The way is reliable! Does the other party have identification?

Are you sure that the other party is the person in charge of the insurance company?

In this case, we need to be cautious! Fraud Prevention!

Did you contact the insurance company to indicate that you would like to make a claim online?

Then that's no problem! As long as you confirm that the other party is the person in charge of the insurance company to contact you, you can handle the claim normally!

How long will it take for the other party to deal with me, and then how long will it take for me to settle the claim after processing, and you can make a claim within one day at the earliest!

You can ask the other party for the specific time!

Generally, how long does it take for the money to arrive.

It usually takes 2-15 working days!

What kind of insurance do you buy?

People's Insurance. The slowest need for people's insurance is about 20 working days, and the fastest needs to take one working day, and the specific speed of the time is related to the completeness of your submission of materials and the amount of gold yuan you need to claim.

The right to decide the insurance claim is in the head office of the insurance company, whether it is online or offline, the compensation will be paid in accordance with the requirements of the contract, and there will be no difference in the claim standard.

Take the good medical insurance on Alipay as an example, more than 2,000 copies are sold in a year. In short, buying insurance online has become a craze, and many people even apply for insurance without looking at the details, which leads to a lot of problems later. Is it reliable to buy insurance online?

What is the difference between online and offline insurance? Today, let's talk about what are the channels for buying insurance online? Is it difficult to make a claim?

As long as the terms of the insurance contract are met, the insurance company will follow the normal process. If you are in danger, you should report to the insurance company in time, and the insurance company will have a special claims adjuster to follow up.

1. Insurance company online**

Insurance companies such as Ping An of China, Chinese Life, and Pacific Insurance have their own online ** in addition to offline outlets.

If you find your favorite product, you can place an order by yourself, and then find customer service to make a claim. However, some online ** can only go to offline outlets to buy.

2. Insurance brokerage platform

The insurance brokerage platform can provide suitable insurance solutions for the insured and answer some questions about insurance products, such as the terms and conditions of the product, the content of protection, etc.

Insurance brokerage companies have professional insurance brokers to improve one-to-one service, from consultation to matching plans to later claims, there are brokers to provide full service, which is indeed a lot of savings.

So far, the insurance brokerage platform is also a popular and popular channel for the public. But then again, you also need to choose a good insurance brokerage company to apply for insurance! Which is the best top 10 insurance brokerage company?

3. Channel e-commerce platformTaking the [Good Medical Insurance] medical insurance on Alipay as an example, the low price has attracted many people to buy it, and more than 2,000 copies have been sold in a year.

It is very convenient to buy insurance online, you can choose the type of insurance you need online, but the most important thing is to look at the terms and conditions, it is important to suit yourself.

Generally speaking, as long as you follow the claim process, it is not difficult to settle a claim, because we also have a contract for online insurance, which is clearly written in black and white. Some precautions that may be a minefield Daddy wrote in this article, it is recommended to read carefully "Is it too difficult to buy insurance claims online? How to avoid a minefield? 》

It's a little more troublesome than offline, after all, there are ** people offline to run business for you.

However, as long as you are eligible for a claim, you don't need to worry about not getting a claim.