Is there insurance for online shopping? Why is it so much cheaper than in the mall?

Each has its own benefits, the online is more complete and cheaper, the physical store is relatively close, you can buy in person, each has its own benefits.

This depends on what type of goods to buy, if it is electronic products (mobile phones, etc.), it is difficult to say, **The price difference is huge, and it is not easy to define the quality of the goods, or buy in regular shopping malls, so as not to have problems, due to small losses, regular shopping malls are also ***

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.

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.

With the development of the Internet, many industries have also moved their positions to the Internet, and the insurance industry is no exception. But some people have discovered why online insurance is cheaper than offline insurance? Daddy has compiled an article here "The difference between buying insurance online and buying insurance offline, know these and avoid detours!"

1. Why is it cheaper to apply for insurance online?

In fact, it is easy to understand, because online insurance sales do not need to pay high commissions to insurance personnel, and the operating costs are relatively low, so the premiums will be relatively cheap. To put it simply, it means that the cost of selling insurance online is lower, so the premium is also cheaper.

Of course, in addition to the cheap premium, the difference between online insurance and offline insurance is still quite big, and listen to the daddy.

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 productOnline sales platforms can generally sell products from multiple insurance companies at the same time, and consumers have a wider range of choices

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.

Daddy concluded

Online insurance has a lot less intermediate costs, so it is relatively cheap. As long as the society is still developing and the Internet is still developing, then online insurance will eventually become the main way to buy insurance.

It is reliable to buy insurance onlineHowever, you need to buy a large and well-known insurance company to buy, after all, online fraud incidents occur from time to time, and you need to carefully screen them.

In fact, buying insurance online is similar to buying other products online. For example, if you fancy a refrigerator, and 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.

So what is the difference between buying online and buying offline? 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.

More and more insurance companies are starting to sell insurance products online, on the one hand, the cost of online sales is lower, and on the other hand, in order to meet the consumption habits of consumers, many people do not like to face a bunch of insurance sales and buy a bunch of insurance that is not suitable for themselves.

However, it is worth noting that when buying insurance online, you need to choose a large insurance company to purchase, so that it is relatively secure.

Online insurance is as reliable as offline insurance, but because the operating costs of online insurance products are much lower, it is much cheaper.

Commercial Insurance Series Classroom (109) Why is it so cheap to buy insurance online? Is there a ghost?

Why is online insurance so cheap?

Many people think that buying insurance online is unreliable, and it is wrong to think so. It's like buying a mobile phone, you definitely won't ask, is the mobile phone on the Internet reliable? Instead, I will ask which model of mobile phone is reliable.

It's the same with insurance, the network is just a sales channel, but there are no middlemen, so it's cheaper.

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.

If you use Alipay to pay for ** shopping, and use Tenpay to pay for shopping at Paipai, so that you are safe and secure.

Don't collect or bank transfer.

In my experience with online shopping, there are only three things:

One is to use Alipay, that is, a third-party payment tool, and it is good to refund if there is a quality problem.

The second is to choose cash on delivery, so that the goods are sent to the acceptance and then paid, to ensure that there will be no quality problems.

The third is to choose reputable shopping, which has quality assurance.

Do not send money first and then send the goods, because it is difficult to recover if something goes wrong, and it can be said that it is impossible to recover.

The premium of online insurance is usually lower than that of offline insurance, which is why insurance returns to its essence - protection. Accompany drying.

Premiums are mainly composed of net premiums, which include protection costs and savings premiums, while additional premiums include underwriting costs, operating costs and reserved profits.

The sales of offline insurance usually require a large number of ** people, and in addition, the advertising investment is also larger than that of Lu Min Dong.

So who will pay for these costs? The wool is out of the sheep, of course, it is the consumer, so the ** of offline insurance is generally more expensive than Internet insurance. Is it reliable to buy insurance online? Is it reliable to apply for insurance online? The answer is here

This article tells you

Therefore, the better Internet insurance products have undergone fierce competition and testing in the market, which is more beneficial to consumers.