Have you ever bought insurance in Happy Insurance?

First of all, you can rest assured that Kaixin Bao is an insurance platform that is a legal and compliant platform approved by the China Banking and Insurance Regulatory Commission and has obtained relevant insurance qualifications. As for how to settle claims, the Happy Insurance platform claims to be "7 24-hour uninterrupted customer service", and the natural claim timeliness is also obvious to all; For example, if the insurance liability is stipulated in the terms of the contract, the corresponding insurance money can generally be obtained within 10 days after the claim is settled or after the two parties reach a claim agreement.

Next, the senior sister will come to learn about the content of the happy insurance platform.

Before entering the topic, if you don't know anything about insurance knowledge, you might as well take a look at this article: Super Complete! Everything you need to know about insurance is here.

In fact, Kaixin Bao is an insurance e-commerce platform, which belongs to the **** of Wangjin Insurance Sales Service; It was founded in May 2012 by Centennial Life Investment, headquartered in Dalian, with a registered capital of 50 million.

Moreover, Kaixin Bao currently has a number of business platforms such as official**, WeChat***, APP, etc., mainly to provide consumers with comprehensive insurance services such as full-risk underwriting and claims assistance for the majority of consumers across the country.

It is worth noting that as of 2022, Happy Insurance has completed the layout of all insurance categories, and has also established cooperative relations with more than 30 insurance companies at home and abroad, such as Centennial Life, Ping An of China, Chinese Life Insurance and Chinese Life.

In essence, the Kaixin Bao platform belongs to the insurance company, and the services provided by the insurance brokerage company are relatively similar, which can be regarded as an insurance intermediary; So there are so many insurance brokerage companies on the market, how should you choose? If you are interested in this, you can poke this article to understand: How to choose a good insurance brokerage company?

With the continuous rise of the domestic insurance brokerage industry and the rapid development of the Internet, there are many different ways for everyone to insure; There are even more third-party insurance platforms like Kaixinbao, so how can ordinary consumers choose a reliable insurance channel? Senior sister, I'm here to give you two tricks!

1.The first priority when approaching the insurance channel is to go to the official website of the China Banking and Insurance Association to verify the filing information of the other party, including the insurance license, insurance business related qualifications, etc.;

2.Looking at the platform's wind reviews, although it is the insurance company that finally signs the insurance contract with everyone, it needs the assistance of the third-party insurance platform for follow-up claims and other matters, and the natural service of the third-party insurance platform with a good reputation will not be bad!

Is it reliable to buy insurance online? What is the difference between online and offline insurance?

It's not the same with a broker, but you also have to communicate with the broker.

I have bought travel insurance and Kanghui Critical Illness Insurance on Happy Insurance, and the overall experience is good.

1. Claim application and acceptance.

1) Medical expenses that have been settled by medical insurance for medical treatment in the city.

The hospital medical insurance window completes the one-stop settlement, and the customer no longer needs to report to the insurance company and submit information.

2) Seek medical treatment in other places.

Medical expenses, out-of-hospital specific out-of-hospital drug expenses.

If you do not have medical expenses settled by medical insurance in designated medical institutions in Chongqing (medical expenses for medical treatment in other places, specific self-financed drugs outside the hospital), you can ***** a claim application through the "Chongqing Yuhuibao" WeChat account and submit the claim information, and after the insurance company reviews and adjusts, the claim money will be transferred to the designated account of the insured beneficiary.

2. Materials required for claim settlement: The insured does not need to provide information for one-stop settlement. The insured of offline settlement shall provide:

1.A valid identity document of the applicant for insurance benefits, and if the applicant for insurance benefits is not the insured himself, proof of the relationship between the applicant for insurance benefits and the insured must be provided;

2.If the insured is hospitalized, the hospitalization record must be provided.

General or daily list of hospitalization expenses, medical bills, receipts or invoices for medical expenses; If the insured has a special illness outpatient treatment, he or she must provide the special illness certificate and outpatient medical records.

Medical expense statements, receipts or invoices for medical expenses; For the cost of specific out-of-hospital self-financed drugs, the identity document of the insured person and the inpatient medical record and discharge summary must be provided.

Pathological diagnosis report, drug prescription, immunohistochemistry genetic testing.

Reports, review checklists, or recent discharge records.

3. After receiving the application for payment of insurance benefits and the certificates and materials agreed in the contract, the insurer shall make an assessment within 5 working days; If the situation is complicated, an approval is to be made within 30 days. In the case of insurance liability, the insurer shall fulfill the obligation to pay the insurance money within 10 days after reaching an agreement with the beneficiary to pay the insurance money.

Extended information: 1. Chongqing Yu Kuaibao is an inclusive commercial supplementary medical insurance, which is provided by Ancheng Insurance and PICC Property Insurance.

Chinese Life, CPIC Property Insurance, Ping An Property Insurance, China Property Insurance.

A number of insurance companies such as Dadi Property Insurance jointly underwrote Cana and participated in Chongqing's basic medical insurance (including medical insurance for urban employees and medical insurance for urban and rural residents).

It can be insured for people who are insured, and there is no restriction on age, occupation, household registration, and health status.

2. Chongqing Yu Kuaibao is divided into upgraded and inclusive insurance, of which the upgraded can cover the out-of-pocket expenses of hospitalization and outpatient treatment of special diseases within the medical insurance, the out-of-pocket expenses of hospitalization and outpatient treatment of special diseases, and the cost of specific out-of-hospital specific self-financed drugs; The inclusive fund can cover the out-of-pocket expenses of hospitalization and outpatient treatment of special diseases within the medical insurance, and the out-of-pocket expenses of hospitalization and outpatient treatment of special diseases outside the medical insurance.

It is easy to apply for insurance and difficult to make a claim, which has become the most worrying problem for many users, and applying for insurance on the Happy Insurance platform is no exception. In order to improve the customer experience, Kaixin Bao has opened a full service of Kaixin Bao claims experts, so that users can claim without worry. For the differences and claims of critical illness insurance, accident insurance, accident insurance and life insurance, I just sorted out the relevant content, I hope it will be helpful to you:

Critical Illness Insurance, Medical Insurance, Accident Insurance and Life Insurance Details! Claims Guide.

Happy Guarantee launched the fast channel for claims settlement to assist users in reporting and making claims.

Last month, the client, Ms. Li, purchased a Meiya Wanguo Travel Insurance through Happy Guarantee before going abroad. During her travels in Southeast Asia, Ms. Li was robbed and lost her camera and mobile phone and suffered minor injuries. Frightened, Ms. Li thought of the insurance she had purchased in China and contacted Kaixin Bao as soon as possible.

After understanding the user's basic information, the case situation and the injury, Happy Bao assisted Ms. Li to report the case to Meiya Company, and according to the insurance liability regulations of Meiya Wanguo Travel, the maximum compensation for theft and robbery of personal property is 5,000 yuan, and the accidental medical treatment can be compensated 100,000 yuan according to the actual cost. Happy Bao reminded Ms. Li to keep the police report certificate, hospital diagnosis certificate, billing receipts and other materials to facilitate the return of the claim. The entire reporting process took less than half an hour, successfully solving the problems of users reporting in foreign countries, unfamiliar with the claim process, and unclear rights and interests.

The insurance online sales platform attaches great importance to user experience, which is convenient and reliable, and has become the first choice for users.

With the increase of Internet users and the change of people's consumption habits, insurance online sales have gradually opened up sales channels and are favored by more users. Various insurance companies have set up official websites for direct sales**, and third-party online sales platforms such as Happy Insurance have also emerged from time to time to become the main force of online insurance sales. In the face of many choices, users often pay more attention to the reliability and safety of insurance in the case of similar products.

Taking Happy Insurance as an example, **people can see the China Insurance Regulatory Commission's online sales license certificate, China Internet Credit Evaluation Center certificate and Tenpay integrity business certificate on the **home page, and log in to the Insurance Regulatory Commission** You can also find the official information of Happy Insurance, indicating that it is safe and credible, so that users can be more assured.

In addition to emphasizing "reliability", Happy Guarantee has also put "convenient service" on the agenda. The products, insurance terms and conditions of each insurance company are clearly placed on the product list of the insurance company.

1. In the case of misleading sales and cumbersome offline operations, users have more autonomy and can compare online and choose the most suitable purchase for themselves. Third-party insurance online sales platforms such as Kaixin Bao provide a variety of insurance services, integrating pre-sales consultation and after-sales claims of products, and solving a series of problems before and after users purchase insurance.

Brother Bao's Tips: Is Happy Insurance Claim Reliable? Happy Guarantee assists customers in the whole process of claim settlement after the accident, reminds users of the information that needs to be collected, and helps users solve problems such as unfamiliar claims process and unclear rights and interests.

In addition, it should be reminded that users need to fully understand their product protection responsibilities in order to better make claims.

Reliable. On December 7, 2010, the China Insurance Regulatory Commission approved the establishment of a new one-stop insurance ****** to operate the insurance business. It is an online insurance company, and the related products are officially launched after being approved by the China Banking and Insurance Regulatory Bureau.

The company is regular, the products are regular, and it is reliable.