Everyone buys insurance in WeInsurance, is the WeSure claim smooth?

When buying insurance, you need to pay attention to:

Two:Insurance itself is a complex product, and both health notices and insurance contract terms need to be carefully studied. However, the reality is that many people are reluctant to read it, and some say they don't understand it.

Many people think that when buying insurance offline, the salesman can provide timely consultation and help when the accident occurs. How can people rest assured that there is no salesman to buy insurance online?

In fact, the Internet is only a means to improve efficiency, and nowadays, both banks and ** units have opened online service windows, in order to avoid the trouble caused by queuing and submitting paper materials. Major insurance companies have opened channels for claims reporting, and consumers can report through **, official website**, WeChat APP, etc.

Judging from the claims data in recent years, online claims have gradually become the mainstream, online purchase, online claims, the whole process has entered the electronic process, and the efficiency of claims settlement will be greatly improved, which is also the change brought by the Internet to the traditional industry. According to the survey, the usage rate of online claims is 89%, and the independent claim settlement rate is 30%. According to the 2018 insurance company's statute of limitations:

Most insurance companies have a claim time limit of 1 2 days.

Regarding insurance refusals, most of them are due to the fact that the health notice was not truthfully informed at the time of application. Many consumers who are unwilling to read or understand the health notice and insurance contract will rely too much on the salesman, and some salesmen will persuade the customer to take out insurance for the sake of performance, regardless of whether the customer's health is abnormal. If we buy insurance and don't even read the insurance contract, isn't it for nothing?

Therefore, you must learn to read the health notice by yourself, and look at the protection content and exemption clauses in the contract.

Many people think that it is convenient to buy insurance online, and the insurance company does not know if they conceal their medical history, which causes the reason why it is easy to buy insurance online and not to pay compensation. As the most common reason for the insurance company's refusal to pay compensation, we must be cautious, otherwise it is easy to bury hidden dangers in the future.

Whether you buy insurance online or offline, it is very important to be honest about your health situation. If you have a health abnormality, you can choose a product with smart underwriting, so that you can get a clear answer.

All insurance has a contract, which means that it has legal benefits, whether to pay or not, how much to pay and how to pay are all decided according to the terms of the insurance contract, and it has nothing to do with buying insurance online or offline, but the difference in purchase channels.

Give it a good review.

The insurance I bought for my parents on microinsurance was cheap and convenient, so I didn't think so much about it when I bought it at that time. My mom got sick a while ago, and she really used it, so prepare the information, fill it out on your phone, and you're good to go. My mother spent more than 50,000 yuan when she was sick, and after the NCMS report, the medical insurance deducted 10,000 deductibles and reimbursed me all of them.

Brother Bao said insurance, focus on insurance evaluation! What is the difference between micro-medical insurance and other popular millions of medical insurance in China, look at this comparison table at a glance: what are the good medical insurance recommendations? An inventory of the top 20 best-selling high-quality medical insurance in 2020.

Some time ago, the micro-medical insurance million medical insurance was upgraded to the micro-medical insurance 2020. So what are the advantages and disadvantages of this product? Let's take a closer look! Let's take a look at the product introduction diagram first

Obviously, there are several advantages:

1.The basic coverage is relatively complete: inpatient medical care, outpatient medical care, outpatient and outpatient surgery before and after hospitalization, and outpatient surgery are all included.

2.Touching value-added services: Value-added services such as quality and heavy ions**, green channels for critical illness, and advance payment are readily available.

3.The insurance cost is not expensive: there is social security at the age of 30, and the premium for the first year is 276 years, which is simply not too affordable!

But I'll still talk about the disadvantages:

1.Extracorporeal or implanted medical aids or appliances and their installation costs are excluded. For example, heart valves, heart stents, intraocular lenses and other high-cost items are not covered by micro-medical insurance, which is relatively hidden, and many consumers are unaware of it.

2.Overseas medical treatment and proton heavy ion**, reimbursement 60%-70%. Because of these two medical expenses, you can't choose social security to reimburse, if you choose these two ** ways, even if you only bear 30-40% is a lot of money, in addition to some shortcomings, it is inconvenient to disclose here, friends in need can take a look at this article:

The insurance on the microinsurance is reliable.

Ping An Pension, Dadi Insurance, Guohua Life Insurance, Huatai Property Insurance and other companies.

Medical insurance, critical illness insurance.

Accident insurance, life insurance, travel insurance, special drug insurance and other products, these products are underwritten by regular insurance companies, and they are all in the CBIRC.

For the record, the authenticity of the product is beyond doubt. The insurance products on WeChat WeBao are not designed by Wesure itself, but launched with cooperative insurance companies, and are underwritten by regular insurance companies. The cooperative companies of Wesure include Taikang Life Insurance, Taikang **, PICC Life Insurance, Pacific Insurance, Ping An Pension, Dadi Insurance, Guohua Life Insurance, Huatai Property Insurance and other companies.

Insurance refers to the commercial insurance behavior in which the insured pays the insurance premium to the insurer in accordance with the contract, and the insurer bears the responsibility of compensating the insurance money for the property loss caused by the occurrence of an accident that may occur as agreed in the contract, or when the insured dies, is disabled, sick or reaches the age and time limit agreed in the contract. From an economic point of view, insurance is a financial arrangement for apportioning the loss of an accident, and from a legal point of view, insurance is a contractual act, a contractual arrangement in which one party agrees to compensate the other party for the loss. From a social point of view, insurance is an important part of the social and economic security system, and it is a "delicate stabilizer" for social production and social life.

From perspective, insurance is a method of risk management.

The main role of insurance is to provide necessary protection, risk planning, rational allocation of funds, and leverage. Provide the necessary protection, insurance can provide protection for common accident, health, death and other risk factors, can reduce risk losses, and effectively resist risks.

Summary. 1. Micro-insurance car insurance is very good, and it is still relatively reliable. 2. We-insurance car insurance is an online auto insurance sales platform created by Tencent Group, WeChat users can directly apply for insurance through WeChat wallet, and it is cheaper to purchase ** compared with offline car insurance.

Wesure is a holding insurance platform under Tencent, with strong financial support, and Wesure cooperates with well-known domestic insurance companies. These cooperative insurance companies are all formal insurance companies with business qualifications, such as Ping An of China, Pacific Insurance, Chinese People's Insurance, China Taiping, and AXA Tianping Insurance Company. On the whole, micro-insurance car insurance is still relatively reliable.

3. From the perspective of background, Wesure is an insurance platform under Tencent, with deep pockets and guaranteed financial strength; From the perspective of compliance, the operating company of the micro-insurance platform, "Wemin Insurance ******", is a national insurance professional intermediary approved by the China Banking and Insurance Regulatory Commission, and has obtained the license to operate insurance business. From these two aspects, Wesure is a more reliable insurance platform. 4. At present, Wesure Auto Insurance cooperates with a number of auto insurance companies, including Chinese People's Insurance, China Taiping, China Insurance, China Land Insurance, AXA Tianping, which are all well-known insurance companies in China.

Take Chinese people's insurance as an example, there are enough service points in various regions of the country to provide car insurance services in different regions. Because the car insurance products of these insurance companies are carefully selected and placed on the micro-insurance platform, and have been reviewed by the Insurance Regulatory Commission, consumers do not have to worry too much about safety issues, and most of them are reliable.

1. Micro-insurance car insurance is very good, and it is still relatively reliable. 2. We-insurance car insurance is an online auto insurance sales platform created by Tencent Group, WeChat users can directly open the WeChat wallet to insure, and the purchase of ** is cheaper than Wangwu's offline car insurance. Wesure is a holding insurance platform under Tencent, with strong financial support, and Wesure cooperates with well-known domestic insurance companies.

These cooperative insurance companies are all formal insurance companies with business qualifications, such as Ping An of China, Pacific Insurance, Chinese People's Insurance, China Taiping, and AXA Tianping Insurance Company. On the whole, micro-insurance car insurance is still relatively reliable. 3. From the perspective of background, Wesure is an insurance platform under Tencent, with deep pockets and guaranteed financial strength; From the perspective of compliance, the operating company of the micro-insurance platform, "Wemin Insurance ******", is a national insurance professional intermediary approved by the China Banking and Insurance Regulatory Commission, and has obtained the license to operate insurance business.

From these two aspects, Wesure is a more reliable insurance platform. 4. At present, Wesure Auto Insurance cooperates with a number of auto insurance companies, including Chinese People's Insurance, China Taiping, China Insurance, China Land Insurance, AXA Tianping, which are all well-known insurance companies in China. Take Chinese people's insurance as an example, there are enough service points in various regions of the country to provide car insurance services that are not scattered in the same region.

Because the car insurance products of these insurance companies are carefully selected and placed on the micro-insurance platform, and have been reviewed by the Insurance Regulatory Commission, consumers do not have to worry too much about safety issues, and most of them are reliable.

If there is a need for a paper policy, you can apply for sending a paper policy with a training insurance company, but the electronic policy and the paper policy have the same legal effect, and the electronic compensation insurance can not be printed, and you can also enjoy the corresponding security services and adjustments. Newbies have all kinds of confusion when it comes to buying car insurance, especially after the comprehensive reform of car insurance last year, many car owners don't know how to buy car insurance is appropriate. With microinsurance, many problems can be solved.

Imitation rock only. > car insurance is divided into two main categories: compulsory insurance and commercial insurance by insurance. Compulsory traffic insurance is a legal risk of the compulsory road traffic law, and all motor vehicles on the road must purchase compulsory traffic insurance.

Commercial insurance is the owner of the insurance of their own choosing. Business risks are divided into primary risks and additional risks. The main liability insurance is the insurer's vehicle damage insurance, third party, car, additional insurance is planted more, but the main insurance must be put after the ability to cast, car loss insurance, for example, the risk of loss of projection ability separate loss insurance.

Whether it's a new or used car, it is advisable to have adequate insurance. Whether it is a new car or driving skills are not very proficient, try to choose a more comprehensive insurance.

After the comprehensive reform of car insurance liability insurance, the scope of commercial insurance is wide, in the past, the car is full of strong road, glass insurance, no third party can be found, spontaneous combustion loss, wading engine loss, franchise and other related safety insurance coverage into the coverage of the main types of insurance, liability insurance, death, disability, property damage compensation limit increased from 10,000 yuan to 200,000 yuan. Car insurance paid on WeChat can be cheaper than looking for someone you know or someone who is calling **. Micro-insurance car insurance** are all official of the insurance company's system**, transparent and open.

When users can enjoy more preferential sales due to fewer intermediate links and lower costs, insurance companies often provide secondary discounts. Different localities will enjoy different discounts according to local industry regulations. In microinsurance, the insurance process is simple and clear, you only need to fill in a few vehicle information to quickly **, one-click renewal, and many insurance companies can choose to buy at a low price.

In addition to the claims service provided by the existing insurance company, car insurance buyers can also obtain the claim rights and services provided by the Weibao platform, so that the car owner's claim settlement is more secure. At the same time, Weibao has also launched a series of functions such as electronic insurance policy, illegal inquiry, illegal payment, preferential refueling, driver's license score inquiry, preferential refueling, etc., to provide car owners with all-round protection and quality experience of car insurance, and solve the problem of car maintenance and car use.

It is a normal insurance, and after the vehicle breaks down, you can also contact the insurance company for compensation as soon as possible, which is also one of the insurances.

It is normal car insurance, and this kind of car insurance is the same as ordinary car insurance, without any difference.

Yes, and the coverage of this car insurance is relatively complete, and at the same time, the funds invested in the early stage are relatively small, and the insurance rate in the later stage is relatively high.