Is it good to buy insurance in a different place? Can I buy insurance in a different place?

There are advantages and disadvantages of buying insurance in different places, so we can't analyze the problem one-sidedly. Before we get started, you can read the basics of insurance to better understand the following: Super Complete! Everything you need to know about insurance is here.

First of all, when the place of residence of the policyholder or the insured is not local, and the excellent products that are very suitable for us are not sold nationwide, we can carry out policy preservation by means of address change, so as to configure the favorite products.

It is worth mentioning that off-site insurance usually does not affect our claims. Because whether the insurance can be compensated depends mainly on whether the insured meets the claim standard agreed in the terms of the insurance contract.

In general, applying for insurance in a different place does not affect the validity of the insurance contract. If you want to know more about off-site insurance, you can click on this article to understand: Is off-site insurance feasible? What should I pay attention to when applying for insurance in other places?

However, there are some minor drawbacks to being insured in other places. For example, in terms of the timeliness of claims, if a large amount of policy claims are involved, then the insurance company may require the policyholder to mail the claim information to the claims agency, or need to be present in person to handle the claim, so that the claim settlement time will be longer than that of local insurance.

To sum up, the way of off-site insurance gives us the opportunity to buy excellent products that are more suitable for us. However, the difference in the timeliness of claims with local insurance should not be overlooked. So what are the materials that need to be prepared for a claim in a different place after the accident?

Buying insurance can be bought in other places, but it is recommended to choose a national insurance company, so that the national insurance company can further consider the matter of buying insurance in a different place. Or support the policy migration service, you only need to go through the relevant migration procedures to achieve a smooth claim. This is the basis for ensuring that you can still enjoy the insured rights and interests after buying insurance in other places. However, before buying insurance, consider the following elements:

1. Convenience of underwriting.

2. Product cost performance.

3. Convenience of preservation of the contract (change of beneficiary, change of policyholder, change of other policy information, etc.).

4. Convenience of claim settlement.

5. Convenience of dispute settlement (at present, the settlement of insurance disputes in China is mainly handled by the place of insurance).

6. Service convenience, etc. Carefully evaluate, combine your own acceptance, objective conditions (cognition, physical health conditions, customer service support system of the insurance company), make the right choice, and remember to spend impulsively.

According to Article 17 of the Road Traffic Safety Law, the State implements a compulsory third-party liability insurance system for motor vehicles and establishes social assistance for road traffic accidents**. The specific measures are stipulated by ***.

It is possible to buy insurance in a different place. However, it will be more troublesome to buy insurance in a different place than to buy it locally. The impact of buying insurance in a different place is as follows:

1. Remote insurance includes offline purchase and online purchase, and its biggest advantage is to break the locality of space and expand the range of choices for consumers.

2. Purchasing insurance in other places will affect the timeliness of claims and the renewal rate of the policy. Claims for large policies will require the policyholder to mail the claim information to the insurance company, which is more time-consuming, more troublesome when applying for renewal, and the underwriting efficiency will also be affected.

Therefore, whether to buy insurance in a different place depends on your own needs.

"You can buy insurance in other places, and most insurance companies are nationwide coverage, so you don't need to worry about not being able to make a claim after purchase. ”

You can buy insurance, and the insurance is generally settled nationwide. Main Insurance Terms and Insurance Responsibilities [Popular Version] Main Insurance Terms: 1. Motor Vehicle Loss Insurance: The insurance company compensates for the damage to your own car.

Hello, it is a great pleasure to have your question here. Here are some of my thoughts on this issue, and if there are any mistakes, please feel free to point them out. For this question, it is recommended that you: Yes Thank you very much for your patience** and have a great life if it helps! Thank you!

You can also buy national medical insurance in other places, which is convenient and affordable, what conditions are needed?

There are still certain benefits to buying insurance in a different acre. First of all, in terms of the range of products to choose from, local insurance can only be selected by locally sold insurance products. If you apply for insurance in other places, the product choice space is larger and the scope is wider, and consumers can shop around and choose insurance products that are more suitable for themselves.

However, in terms of claims, it is necessary to look at the situation on a case-by-case basis. Online claim settlement is more convenient and fast, and the entire claim process will be carried out. You only need to upload all the claim materials according to the requirements of the insurance company, and the insurance company will review and make a claim after reaching a claim agreement.

Offline claims may be more troublesome, and the insurance company's claims adjusters are required to investigate offline and collect claim materials. After the collection is completed, the insurance company will review and wait for the claim result, which takes a long time.

More about the content of remote insurance, senior sister has been sorted out in this article, friends who want to continue to understand deeply, you can open the link to view: Is it feasible to apply for insurance in other places? What should I pay attention to when applying for insurance in other places?

In general, although it is a bit troublesome to pay for offline morning socks insured in other places, it is still good on the whole. If you fancy a certain product, but you are not in its insurance area, it is also a good choice to choose to apply for insurance in a different place.

There is no impact on buying insurance that meets the requirements of the China Insurance Regulatory Commission online.

1. According to Article 7 of the Interim Measures for the Supervision of Internet Insurance Business, an insurance company may expand the Internet insurance business operation area of the following types of insurance to provinces, autonomous regions and municipalities directly under the Central Government that have not set up branches under the Central Government, provided that it has the corresponding internal control and management capabilities and can meet the needs of customer service

1) Personal accident insurance, term life insurance and ordinary whole life insurance;

2) Family property insurance, liability insurance, credit insurance and guarantee insurance for which the policyholder or the insured is an individual;

3) Property insurance business that can independently and completely realize the whole process of sales, underwriting and claims settlement services through the Internet;

4) Other types of insurance stipulated by the China Insurance Regulatory Commission.

5) The China Insurance Regulatory Commission may, according to the actual situation, adjust and announce the scope of insurance that can be operated in provinces, autonomous regions and municipalities directly under the Central Government that have not set up branches.

2. According to Article 42 of the "Regulations on the Administration of Insurance Companies (Revised in 2015)", insurance institutions participating in co-insurance, operating large-scale commercial insurance or overall policy business, as well as underwriting business across provinces, autonomous regions and municipalities directly under the Central Government through the Internet, ** marketing, etc., shall comply with the relevant provisions of the China Insurance Regulatory Commission.

3. According to Article 41 of the Regulations on the Administration of Insurance Companies (Revised in 2015): Branches of insurance companies shall not operate insurance business across provinces, autonomous regions and municipalities directly under the Central Government, except for the circumstances specified in Article 42 of these Regulations and otherwise stipulated by the China Insurance Regulatory Commission.

4. If the insurance company has not set up a branch office in the province, autonomous region or municipality directly under the Central Government where the policyholder, the insured, the beneficiary or the subject of insurance is located, the insurance institution shall make a clear reminder on the possible problems such as insufficient service and poor timeliness at the time of sale, require the policyholder to confirm it, and keep a confirmation record.

Yes, for example, if a customer goes to Hong Kong to buy insurance, there are 1,300 hospitals in China that accept claims from Jian Da Oak, such as:

There are 60 designated hospitals in Beijing, 45 in Shanghai, 35 in Tianjin, 22 in Chongqing, 25 in Chengdu and 26 ......in NanjingThere are about 1,300 designated hospitals in the country.

1.The diagnosis certificate is the most important, and some diseases require manual cryptography, such as aortic surgery, and the surgical certificate must be provided. It would be better if you could provide detailed medical information. The detailed information will also be faster.

2.Medical records, copy of the contract and ID card.

3.Claim form with the doctor's signature and the hospital's stamp.

Finally, it can be sent to the claims department of the Hong Kong insurance company, and the claim cheque will be delivered to the insured within 14 days.

If you have any other insurance questions, please come: more insurance fish talk about insurance! ，

Under normal circumstances, you can buy insurance in other places. Among them, remote insurance refers to the fact that at the time of insurance, because the place of residence of the policyholder or the insured does not belong to the area where the product can be purchased. Therefore, customers will take the method of applying for insurance in other places and carry out policy preservation through the method of address change.

The advantage of off-site insurance is that compared with local insurance, the range of products available for off-site insurance will be wider. You must know that if you apply for insurance locally, you can only choose insurance products that are sold locally. If you choose to ask your relatives to apply for insurance in a different place, you can choose insurance products that are more cost-effective, more comprehensive and more suitable for yourself according to your own needs.

The disadvantages of off-site insurance are mainly reflected in the timeliness of off-site offline claims. You must know that if you settle a claim offline, you need the claims adjuster of the insurance company to come from other places to investigate and collect the claim materials, and after the collection is completed, you need to send it to the head office for further review and wait for the claim result. Therefore, the whole process takes a long time.

If you don't know how to make a claim, you can take a look at this article:How to settle a claim after a claim has occurred

Space is limited, about the internal balance of insurance in other places, the senior sister will introduce it first. If you want to know more about the content of remote insurance, you can add this article:Is it feasible to apply for insurance in a different place?

What should I pay attention to when applying for insurance in other places? Hope.