How to apply onlineIs it safe to apply online

There are many ways to apply for insurance online, we can directly call the insurance company's telemarketing ****, and complete the online insurance according to the guidance of the customer service staff. Insurance can also be purchased through online insurance sales platforms (such as Ant Insurance, Shengshi Chuangfu Insurance Brokerage Company, etc.). In addition, we can also go to the insurance company's official WeChat, official**, or exclusive app to apply for insurance.

Many people think that buying insurance online is unreliable, but in fact, it is not the case, buying insurance online is actually the same as buying insurance offline, and it can be a way to buy insurance worthy of our trust. If you still have some questions about online insurance, you can take a look at the following article: Is it reliable to buy insurance online?

What is the difference between online and offline insurance?

1. What are the precautions for buying insurance online?

The first thing to note is that even though we bought the insurance online, the insurer is still the insurance company. Just like offline insurance, the insurance company will also provide protection to the insured in accordance with the terms of the contract. An electronic policy is exactly the same as a paper policy!

In addition, if you buy insurance through an insurance brokerage company, then you must pay attention to whether the insurance brokerage company is reliable or not, otherwise you are likely to be deceived. Here, the senior sister will also tell you how to choose an excellent insurance brokerage company, interested friends, you can collect this guide!

How to choose a good insurance brokerage company?

Again, as the old saying goes, it doesn't really matter where you buy insurance. The most important thing we need to pay attention to when applying for insurance is the insurance product itself. Nowadays, there are many insurance products on the market, and the coverage content of each product is different.

It's not so easy to choose the one that suits you from a wide range of insurance products. If you are a novice in insurance, then the senior sister recommends that you must take a look at the following strategy before buying insurance.

Insurance] which is good, how to buy a good deal, hand in hand to teach you to avoid these pitfalls of insurance.

Online insurance can choose the official website of the insurance company to consult or apply for insurance on the third-party platform of insurance**, friends who do not know whether online insurance is safe can take a look at "Is it safe to buy insurance online?" Daddy teaches you to "avoid lightning".

This article. 1. Before applying for insurance online

Before applying for insurance, it is necessary to carefully identify, and the general formal platforms are as follows:

1) Self-operated platform of insurance companies

2) Self-operated platform of insurance intermediary companies

3) Third-party network platform

2. When applying for insurance online

1) See the details of the benefit

First of all, the most important thing is to see the coverage clearly, including the content of the coverage, the duration of the coverage, and confirm whether it meets your protection needs.

2) Pay attention to the "Insurance Notice".

When applying for insurance, you should pay attention to reading the "Insurance Notice", which generally appears on the purchase page or product details page, which is a special note in the terms, and the instructions are attached with links to the terms, notices, policy samples, rate tables and other documents.

In addition, whether there are regional restrictions on insurance, pay attention to the restrictions on insurance eligibility, confirm whether special diseases can be insured normally, as well as the description of payment methods and compensation methods, and whether there is a service to provide paper policies, etc., these issues also need additional attention.

3) Product authenticity

If there is no problem with the content of the insurance and the part of the insurance restrictions, before purchasing, you also need to verify the identity of the product, in the upper right corner of the insurance clause, scan *** to enter the website of the Insurance Association of China, and view the relevant information of the product filing.

4) Be honest

As it involves follow-up claims, it is necessary to be cautious, and you can consult the insurance company or platform customer service for uncertain matters to avoid disputes.

The development of Internet insurance is actually a win-win result for customers and insurance companies, and it is an inevitable trend in the future development of insurance. With the abundance of online insurance channels and the increasing transparency, under the continuous strengthening and improvement of the supervision of the China Insurance Regulatory Commission, the insurance access threshold of the Internet has been rising, and online insurance shopping is actually becoming more and more secure.

Hope the above information can help you!

There are generally two ways to apply for insurance online, one is to apply through the official website of the insurance company corresponding to the insurance, and the other is to choose the product you want to insure through the insurance brokerage company. Both of these online insurance methods are safe, whether it is the official channel of the insurance company or the qualified insurance brokerage company, they are reliable.

I have done a strategy for online insurance before, you can take a look at this article if you need to: how to buy reliable insurance online? Just look at these two points!

With the development of the Internet, various activities on the network have become a way of people's lives, online insurance is also a choice, compared to the large-scale ** insurance, there is still a guarantee can be assured, but we should also pay attention to the security of the network environment when carrying out online insurance, in addition to online insurance is not directly face-to-face explanation, so when choosing to see more clearly, about network consumption, you can also refer to our **, there are many products, you can choose slowly.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

There are three main ways to buy insurance online: the official website of the insurance company, the third-party intermediary platform, and the insurance broker. If you are interested, you can take a look: "Is Online Insurance Reliable?" The answer is here

1. The official website of the insurance company

Only sell its own products, such as the official website of Ping An Health.

2. Third-party intermediary platforms

3. Insurance brokers

Individuals who sell the products of one or more insurance companies, commonly known as "insurance sellers", design insurance plans and send the network link of insurance products to customers for insurance, such as Zhihu's various insurance influencers. Of course, it also includes me who is not a big V. The official website of the insurance company is direct sales, and the profits are retained; For products sold by third-party intermediary platforms and individuals, the insurance company will give a commission share.

1. Choose an insurance plan.

3. Fill in the information:You need to fill in personal information such as ID card, occupation, bank card, etc.

4. Online payment:If you are interested, you can take a look: "The difference between buying insurance online and buying insurance offline, know these and avoid detours!" 》

Most of the online insurance is consumer-based insurance. Low premiums and high sum assured. There are many insurance products that users have never heard of, as long as they go to the regular online insurance, there is no problem.

God-like beings! China Banking and Insurance Regulatory Commission.

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.

Hello! It is indeed very convenient to buy insurance online, and it is safe to buy insurance in some of the more reliable **.

But the insurance itself is still quite complicated, there are a lot of rules and regulations, not simple to understand, it is recommended to buy or find the best person is more reliable, there will not be much difference between insurance products, the key is whether it is suitable or not.

Hope it helps!

Very safe.

Do not worry. Insurance companies now transfer money online and don't accept cash. It's the same even if you find a local salesman to insure.

First of all, it is important to understand that Internet insurance is just a sales channel. Take Alipay and WeChat, which everyone is using now, for example, they are not insurance companies themselves. However, in Alipay, you can find that Ant Financial is selling insurance, and in WeChat, you can find that Wesure is also selling insurance.

This is because Ant Financial and Wesure are internet sales platforms, in other words, although they are not insurance companies that issue insurance products, they are third-party agencies of insurance companies, and they do not produce products, but are just insurance porters. Other third-party Internet insurance sales platforms are of the same nature, and they are all third-party distribution channels of insurance institutions.

Secondly, no matter what platform you purchased from, the responsible party is still the insurance company. For example, whether you buy insurance from Ant Financial, Wesure, or other third-party internet insurance platforms, they are only selling on behalf of others, and the insurance company is still responsible for the final underwriting, underwriting, and claim settlement.

It can be understood that the third-party platform is equivalent to an "insurance broker", and the third-party platform will cooperate with many insurance companies, so the products they sell are not limited to the products of one insurance company, the range of products is wider, and the variety is more, and there is more room for us to choose.

Although online insurance is reliable, you still need to pay more attention to "buy insurance online, dad teaches you to "avoid lightning".

Since its establishment, Daddy has focused on insurance research, and has evaluated and analyzed more than 1,000 products, including critical illness insurance, term life insurance, medical insurance, accident insurance, and children's insurance, to help users choose the most suitable insurance products.

Online insurance has a free, safe and perfect online payment model, so that consumers do not have to spend time, money and energy to insurance blind companies or insurance intermediaries to handle business, after the transaction has a professional, fast free door-to-door service, saving consumers a lot of time and transportation costs.

At present, the products applied for online insurance are concentrated in car insurance, accident insurance, medical expenses insurance and home contents insurance, which have a high degree of standardization of terms and rates. If you don't know how to configure insurance, you can take a look at this article "How to buy insurance?" Do you have to avoid these routines? 》?

At present, China's insurance e-commerce application model continues to be enriched, has formed a variety of service models such as B2B, B2C, B2E, etc., the maturity of information, products, services, etc., will determine its actual effect on sales, become the key to the development of insurance e-commerce. However, there are still more than eighty percent of the e-commerce platforms of insurance companies, which are lacking in the functions of insurance, correction and claims, and are still in the service stage with information release as the main function, and cannot be called a mature e-commerce platform.

Nowadays, there are two modes of online application: semi-self-service and full self-service. Among them, there is a semi-self-service model of web page and call center with Ping An of China as an example, and a full self-service online insurance application represented by China Insurance Service Network and e-commerce.

No matter how you apply for insurance, it is most important to buy the right insurance product, and if you have any questions, you can find Daddy Insurance, which provides new risk assessment model technology for insurance business, and it only takes one minute to check the risk of family purchase, which is safe and fast.

It is safe to buy insurance online, because even if the consumer applies for insurance online, it will also sign an insurance contract with the insurance company, and the contract has legal effect, as long as the insured meets the provisions of the contract when the insurance is in order, the insurance company will compensate.

At present, there are many channels for online insurance, such as the official website of insurance companies, insurance brokerage companies, and so on. Some friends may not know much about the insurance brokerage company, in fact, the insurance brokerage company is an insurance intermediary established in accordance with the law, selling the products of various insurance companies, and at the same time can design insurance plans for customers, so that customers can buy suitable products, and even can help customers make claims, so that customers can get insurance money in the shortest possible time.

In addition, when insuring, you should look at the terms of the contract, because the contract has clearly marked the protection responsibility, payment period, exemption clauses and other contents. Hope.

Generally speaking, it is safe, and you should choose a relatively large online platform to buy insurance products, such as Alipay, WeChat, Jingdong and other platforms. You can also go directly to the official website of the insurance company to make a purchase.

However, not all insurance products can be purchased on the Internet, and according to the relevant regulations of the China Banking and Insurance Regulatory Commission, there are only five types of online life insurance products: accident insurance, health insurance (except nursing insurance), term life insurance, ordinary life insurance with an insurance period of more than 10 years (except term life insurance), and ordinary annuity insurance with an insurance period of more than 10 years. Generally speaking, accident insurance, medical insurance, etc. are relatively simple, and there will not be too many problems to buy online, but it is more secure to consult and purchase more complex insurance with professional people.

According to the latest regulations of the China Banking and Insurance Regulatory Commission, the previously popular wealth management Tonglu Internet life insurance products, such as participating insurance, universal insurance, and investment-linked insurance, are currently not within the scope of Internet life insurance sales, that is, they cannot be purchased directly through the Internet.

When buying insurance on the Internet, it is necessary to clarify the underwriting insurance company of Henglun Solution's insurance products, the protection responsibilities of the product, payment methods, exemption clauses, health notices, etc., as well as how to apply for claims in the event of an insurance accident. According to the popularity of the insurance company, the marketing service outlets of the insurance company, the insurance claim method, etc., the appropriate company products can be selected for insurance.

Test your risk index and the experts will interpret it for you for free!