Is it reliable to buy insurance online?

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.

Is it reliable to buy insurance online?

Is it reliable to buy insurance online? Is it only possible to buy insurance? In fact, no, today, with the development of the Internet, all insurance companies have online purchase channels, and there will be corresponding electronic policies after the online purchase is completed.

Whether you buy it online or go to the counter of an insurance company to buy it, it is reliable, and now whether it is Alipay, Micro Insurance, or Jingdong platform, you can sell insurance online, and you can compare and contrast insurance online, the premium is transparent, and the claim can also be claimed.

As long as it is a formal platform and product, there is no need to worry, because the CBIRC supervises online and offline companies the same. At the same time, the operating costs of offline companies are relatively large, resulting in higher insurance pricing than online, and now many online insurance can also be self-claimed, so that it is more convenient to settle claims.

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.

In fact, buying insurance online is not terrible, the nature is the same, but the channel is different. Here's the answer.

Buying insurance online is reliable. We've just moved the place where we buy insurance online, and the company behind it actually exists.

Today, dad will talk about the problem of buying insurance online:

1. Is it reliable to buy insurance online?

Buying insurance online is actually just one of the many insurance sales channels, and the traditional insurance sales channels are what we often call insurance people, insurance brokers, telemarketing, and so on.

The advantage of buying insurance online is that there are many optional products, ** advantages, and high cost performance.

However, due to the fact that Internet insurance is a relatively new thing, it has not yet been widely accepted by the public, and there are certain requirements for consumers' insurance knowledge.

Therefore, for Internet insurance, although the proportion of the insurance market is not very high, with the development of time, Daddy believes that Internet insurance is a trend.

Just like mobile payment, who would have thought five years ago that the first thing to think about when going out now is not whether to bring a wallet, but whether to bring a mobile phone?

As for whether it is unreliable to buy insurance online, my dad thinks that it is still very reliable, first of all, the establishment conditions of each insurance company are relatively strict.

Secondly, both insurance companies and insurance products will be subject to the supervision of the China Banking and Insurance Regulatory Commission, and the state stipulates that each insurance company must pay at least 200 million yuan when registering, and have sufficient capital reserves.

2. What should I pay attention to when buying insurance online?

1. Choose a reliable ** or platform.

Generally speaking, buying insurance online is mainly through the official website of the insurance company or a third-party platform.

The official website mainly depends on whether the domain name is the same as the name of the insurance company, and the third-party platform depends on whether the platform is filed with the China Banking and Insurance Regulatory Commission.

If you want to query the filing information of a third-party platform, you can first enter the information disclosure column of the official website of the Insurance Association of China, then click on the Internet insurance information disclosure, and then enter the relevant information for inquiry.

For product inquiry, you can click on the insurance product column at the top right, or enter the relevant information.

2. Read the terms of the insurance carefully.

Because there is no introduction and explanation of insurance people who buy insurance online, there is more insurance information on the product page.

Therefore, consumers may be required to have basic insurance knowledge.

It is important to pay special attention to some important information such as coverage, exclusions, exclusions, etc. in the insurance contract.

3. Be sure to tell the truth.

When purchasing critical illness insurance, medical insurance, and life insurance, there is generally a health notice.

Health notification means that when the policyholder purchases an insurance product, each insurance company will require the consumer to fill in and confirm the true information about the health condition of the insured before underwriting.

As long as the policy is purchased on a regular platform and told the truth, whether it is online or offline, claims will not be a problem.

It is reliable to buy insurance online. As long as the company has a brokerage license issued by the China Banking and Insurance Regulatory Commission, the products sold are strictly reviewed, and you can buy with confidence. In addition, online insurance will be faster and safer, because the information can be submitted online, and the third party will also have a special person to assist in the claim, objectively and neutrally safeguarding the rights and interests of customers.

As long as you learn to identify some fishing** and go to regular insurance**, then buying insurance online is reliable. Pay attention to these pitfalls when applying for insurance online:Is it safe to buy insurance online? Daddy teaches you "lightning protection".

So have you understood the question of how to inquire about online insurance?

Of course, the online insurance inquiry here refers to the inquiry of the authenticity of online insurance products and policies.

Due to the increasing popularity of online insurance, unlike offline insurance in the past, there is no ** person to consult, and more and more people are inclined to third-party insurance consulting platforms to seek professional help.

1. How to inquire about the insurance record before applying for insurance

Those who have been in contact with insurance should know that insurance companies are subject to the supervision of the China Banking and Insurance Regulatory Commission. For the specific responsibilities of the CBIRC, please see:"Popular Science Post: God-like Beings!".China Banking and Insurance Regulatory Commission

In fact, the insurance products it launched must also be filed with the Insurance Regulatory Commission before they can be officially put on sale.

It should be noted that when searching for the name of the product, it is best to use the full name of the product written in the insurance clause, otherwise it will search for irrelevant results, after all, there are so many products, and there are many similar names.

The name of the general clause is at the beginning of the clause of the insurance contract at the heading.

2. Verify the policy after successful application

Step 1: Verify the policy

1.Receive electronic contracts

After the insurance is successful, the first thing to do is to verify it through official channels to see the authenticity of your policy.

If you successfully apply for insurance offline, you will receive a confirmation letter or a paper contract.

For online application, you will receive a confirmation SMS from the insurance company or an electronic policy sent to your email.

2.Verify the policy through official channels

After receiving the insurance confirmation SMS or email, in order to avoid being scammed, you can verify through official channels.

According to the regulations of the China Insurance Regulatory Commission, all major insurance companies must provide first-class verification services.

If you don't want to do ** verification, you can also verify it directly online.

As online insurance becomes more and more abundant, online purchase of insurance products will also become a trend. However, there are also a lot of false insurance information, which requires us to master the online insurance inquiry method by ourselves.

No matter what platform you buy from, the responsible party is 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. You can understand 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 there are more types, and there is more room for us to choose.

It is very convenient to buy insurance online, you can buy insurance with a few fingers, the traditional way of insurance is more cumbersome, many need to prepare a series of information such as copies of documents, and you can successfully apply for insurance in a few minutes at the earliest, which is very convenient. And all kinds of information on the page are clear at a glance, what is guaranteed, what is not guaranteed, how much money is a year, etc., there will be detailed terms and conditions, and there is also sorted out information, which is convenient for us to choose and compare.

Moreover, many internet insurance policies have intelligent underwriting functions. We know that usually before buying insurance, it is necessary to underwrite to determine whether the policyholder's physical condition can be insured normally. Generally, there are two ways, the traditional one is manual underwriting, which takes a long time and will leave traces of underwriting, which may affect subsequent insurance.

There is also a commonly used intelligent underwriting for online insurance, which is judged by the intelligent system whether to pass the underwriting, the underwriting time is short, and it will not leave traces, which is more beneficial to consumers.

Many consumers may take ** as the main reference factor when buying insurance online, and do not pay much attention to key issues such as specific insurance periods, protection responsibilities, exclusions, etc. It is recommended that you must read the product terms carefully before purchasing, and you must communicate with customer service in time if you do not understand something. Be sure to pay special attention to information such as exclusion clauses, cooling-off periods, surrender losses, investment risks, etc.

Another point is to take health advice seriously. Before applying for insurance, you will generally be asked to fill out a health notice. Many people will take a casual look and successfully apply for insurance with a few fingers, completely ignoring the health notice.

We must pay attention to the fact that health notification is a very important part of buying insurance, and it is the key to whether the subsequent claim is successful. Don't deliberately conceal pre-existing conditions and physical health conditions, otherwise subsequent claims may not go smoothly.

If you are afraid of being cheated and expensive when you buy insurance, it is recommended that you take a look at this first: avoid pits! 90% of the problems that people will encounter when buying insurance are related to them.

If you understand that insurance is good to choose, it is reliable, and if you don't know how to trust others, it is unreliable.

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.

Is it reliable to buy insurance online?

Hello, as long as you choose a large online platform to buy, it is reliable, such as everyone's insurance network.

Insurance, as a very specialized subject, requires four years of study in a university major. A very good professional insurance broker who can help you rationally plan and scientifically allocate insurance types. The choice of insurance company, insurance broker, type of insurance, etc., all require guidance and detailed explanations from professionals.

Insurance brokers have certain expertise to measure the cost performance of different products according to the needs and budgets of customers, choose the best products accordingly, and balance the premiums. Any questions related to insurance products can be consulted with an insurance broker.

The products of different insurance companies can be insured at the same time through the broker channel, which not only has a wide range of choices, but also makes it more convenient for multiple insurance companies. If you can find a very good and professional insurance broker to help you plan your home insurance allocation reasonably, then you can be very worried, really show the essence of insurance, medical illness, and increase the risk resistance of the whole family. When informing about health, you need to know your health status and various health indicators.

Once you don't tell the truth because you misunderstood, if a subsequent claim occurs, it is easy to have a claim dispute.

If you can read and analyze it well, then the options for buying online are relatively large, and you can choose what you need. You can compare back and forth, the money may be less, and the payment methods will be diverse. Secondly, the review of some types of insurance purchased online will be relatively relaxed, and some special groups can buy it.

It also saves time and is more casual at any time. Insurance brokers can help policyholders clarify their own situation through professional knowledge, carry out pre-underwriting, eliminate risks in health notices, and choose insurance products that are more conducive to underwriting results. When a claim occurs, the insurance broker can assist the customer in sorting out and submitting the claim materials, and supervise the insurance company to ensure the claim process and strive for the best claim outcome.

In the event of a claim dispute, the insurance broker can also rely on the insurance broker's professional team of claims consultants and legal team to fight for the interests of the client. Insurance is not a simple policy, it requires a complete security system. It needs to be continuously improved over time, family structure and household financial income, so policy arrangements are very important.

Policy arrangements, like human health check-ups, need to be done once a year. Policies are reduced or increased. Therefore, it is very important to find a good professional insurance broker.

He is concerned about early insurance selection, mid-term insurance classification, and later insurance claims. You need to use expertise to worry about you. This is also a favorable aspect.

Generally, most of the critical illness insurance sold online is consumption-based critical illness insurance, although it is cheap, but it does not have a high cash value, if there is no insurance during the insurance period, then there will be no rebate after the end of the insurance period (and there will be no high cash value to return if the policy is surrendered halfway) With the increase of age, the probability of the onset of critical illness is also increasing. Waiting until you get older to buy insurance, not only is it difficult to buy the right product, but even if there is, the premium may be very expensive. Generally, the protection period of critical illness insurance sold online is relatively short, and most of the pre-products can only be covered for 30 years, until the age of 60 or 70, but after that, they cannot continue to participate in the insurance.