Disadvantages of online insurance products, what are the disadvantages of buying insurance online

Online insurance, compared with traditional channel insurance, is mainly more convenient and faster to insure, and at the same time, it is more independent to choose the type of insurance that suits you. The downside is that you may have to talk to customer service more to get to know the product in more detail. Here are a few suggestions for you:

**The main problems that are easy to encounter when buying insurance are: the formality of some platforms is difficult to verify or lack of claim services, and it is difficult to distinguish the quality of products due to no explanation. However, this cannot be simply attributed to the "disadvantages of online insurance products", on the contrary, sometimes the insurance premium bought through online channels will be cheaper, which is one of the advantages of online insurance.

Online insurance channels mainly include the official website of insurance companies** APP and third-party insurance platforms. If you want to shop around, consider a compliant third-party insurance platform. So what kind of third-party insurance platform is compliant?

First of all, there must be a business qualification that can be queried publicly, and secondly, you can see if there is a perfect after-sales claim service. Xueba, which is now being used by many people, says that insurance is a compliant insurance platform, which not only has a professional team of program experts to continue to tailor insurance plans for customers, but also provides "24-hour peace of mind" service. Some friends may not be familiar with online insurance platforms, and Senior Sister recommends that you take a look at this article first:

A good insurance consulting platform must meet 3 requirements, otherwise it will be difficult to make a claim!

Whether it is online or offline channels, when we choose insurance products, we must first focus on the content of protection, and secondly, we must pay attention to the complete configuration of insurance types in order to have real protection in place. For example, in the case of critical illness insurance, high-quality products should cover the coverage of mild and moderate illnesses corresponding to high-incidence critical illnesses, and the corresponding proportions of these two benefits should reach 30% and 60% of the basic sum assured respectively, and it is best to provide additional benefits for critical illnesses and multiple additional benefits for severe malignant tumors. In addition to critical illness insurance, most people also need to buy millions of medical insurance, accident insurance and other types of insurance.

If you don't know what type of insurance you need to buy, you might as well take a look at the analysis of industry insiders: there are so many types of insurance, which one should I buy first?

There are two sides to everything, and while we enjoy the convenience of Internet insurance, we also need to accept some of its drawbacks:

1.There is no face-to-face detailed explanation by the salesman

Insurance is a more complex product, its contract terms integrate financial, legal, medical and other content, there are some professional terms, if there is no professional around to explain, it is difficult to understand the contract terms.

This requires the policyholder to learn the relevant knowledge on his own, as long as he grasps the main point, it is actually very easy to understand, you can click to understand: "How to look at the insurance terms?" What are the key points? 》

2.Health notifications are risky

Many life insurance policies have a health notification link, and you need to be truthful when applying for insurance.

Therefore, we cannot deliberately conceal our health conditions to apply for insurance, otherwise the follow-up insurance is prone to disputes, and we may also be denied compensation by the insurance company.

Nowadays, most of the online insurance supports intelligent underwriting, which is simpler and faster, and manual underwriting can be carried out if the intelligent underwriting fails.

3.Platform Security Risks

There are many illegal elements who take the opportunity to defraud money, and Daddy reminds everyone to pay attention to identifying whether the sales platform is legal and compliant when applying for insurance online.

Traditional insurance has problems such as long processing time, slow efficiency, and uneven qualifications of insurance brokers, while Internet insurance can be purchased online, with fast processing speed, and professionals from third-party insurance platforms can answer questions one-on-one, which just makes up for the shortcomings of traditional insurance.

Internet InsurancePros:As follows:

1. Rich variety of insurance products:

2. Transparent product information

We can compare the products of various insurance companies according to the various protection contents and terms disclosed by the products, and select the products with comprehensive protection and low premiums.

It effectively avoids not knowing anything and listening to the words of the insurance officer, which leads to the choice of some products with low cost performance or even incomplete protection.

3. Save time and cost

The marketing model of traditional insurance is generally that the insurer and the insurer make an appointment to negotiate at a time and place, and it needs to be discussed repeatedly to come up with a plan, and the entire process of insurance needs to be followed up by the first person, and the time cost is large.

Internet InsuranceCons:

1. Need to have an understanding of insurance

There are more and more Internet insurance products, and people who don't understand insurance can easily see which product is popular and invest in which, and when they need to make insurance claims, they find that this insurance does not have this protection.

In order to avoid such a situation, we need to have a certain understanding of insurance, and we will look at the terms of the insurance contract to distinguish which insurance is suitable for us to re-insured.

The insurance contract is too long and you are dazzled at first glance? In fact, it is not so difficult to understand the terms of insurance, click here: "How should the insurance contract be read?" Just look at these four points

2. Easy to be deceived

There are many sales platforms for Internet insurance, and some criminals are opportunistic, impersonating insurance institutions, using fake insurance platforms to fabricate insurance products, and defrauding customers of assets through high returns.

Therefore, it is necessary to consult or purchase products on a formal insurance platform to protect their legitimate rights and interests and prevent being deceived.

In fact, buying insurance online will have more obvious advantages in terms of products than offline.

Let's talk about the disadvantages first, there are 2 main ones:

First, online insurance may require a professional insurance broker to do analysis, or have a relatively sufficient understanding of insurance products;

The second is that it is easy to be deceived. It may be the impersonation of the institution, it may be because of the excessive promotion of a certain product, and when you can't analyze it correctly, you will be easy to be "deceived".

But internet insurance also has a lot of advantages:

Third, the product information is transparent, and we are convenient enough to study the advantages and disadvantages of insurance and compare products;

Finally, cost savings. If you purchase the product offline, you may need to make an appointment with the relevant personnel to purchase insurance, and you can purchase it online at any time;

The disadvantage is that you don't understand what you're buying, and you basically don't buy insurance according to your needs, but buy insurance according to insurance.

When you see what others say, you think it's good, and the shoes that others can wear may not fit you.

If the insurance company refuses to make a claim, you don't know the problem, and no one will help you guide you. It's okay to find someone to guide you, but you can pay for it.

The disadvantages of online insurance are:

1.Intelligent underwriting is not as accurate and user-friendly as offline underwriting;

2.Online insurance can generally only be answered by insurance brokers, because it is not face-to-face communication, so the difficulty of communication may be relatively large, and the communication time will be relatively long;

3.There are requirements for the insured to have their own insurance literacy, because the insured needs to choose the amount of insurance, run the health notice, check the insurance terms, etc., so Naifan to if the insured does not have a good insurance literacy, then it is easy to make mistakes, and even lead to claims disputes after the accident.