What are the pitfalls of online insurance? What pitfalls need to be paid attention to when buying in

Today, with the highly developed Internet, many industries have followed the trend of the times and are connected to the Internet, such as insurance companies. How to avoid lightning, please see: "Is it safe to buy insurance online?" Daddy teaches you to "avoid lightning".

1. Self-operated platform of insurance companies

Advantages:Disadvantages: The product is single, and the company's products can only be selected, and cannot be compared horizontally. Even if other companies have better products, they don't mention it.

2. Self-operated platform of insurance intermediary companies

Advantages:You can select multiple products for side-by-side comparison.

Disadvantages: You must establish a cooperative relationship with the insurance company to sell, you do not have your own insurance products, and the types and pricing of the products are subject to the insurance company, and there is a lack of autonomy.

3. Third-party network platforms

Advantages:Independent of insurance companies, it can fairly and objectively compare different products of multiple insurance companies, reduce information asymmetry, and optimize choices.

1. What problem is the purpose of buying insurance?

So before buying insurance, the first step is to understand the needs.

2. What type of products do you want to buy?

Take critical illness insurance as an example, there are many types: consumption, savings, return, single claim, multiple group claims, multiple non-group claims, etc.

3. The product I considered This product recommended by others, can it really solve my own problems?

Knowing our needs, as well as a simple judgment of the type of product, it is time to choose the product.

Understand whether your product is fully covered and whether the insured amount is sufficient, so that there is no longer a risk gap in the protection.

As an emerging insurance platform, Internet insurance will of course have many drawbacks, but on the whole, Internet insurance still brings a lot of convenience to our lives.

Critical illness insurance is only an add-on. The primary insurance is either whole life or both. Critical illness insurance can be purchased separately.

The reason why it is said that there is a "pit" is, on the one hand, that the insurance contract is indeed thick and seems to have no clue, and on the other hand, there may be misleading sales.

In fact, whether it is online insurance or offline purchase of insurance products, there is no difference in essence, but the sales channels of insurance companies are different, and in the end, we still have to sign an insurance contract with the insurance company.

Moreover, online insurance products must be filed with the China Banking and Insurance Regulatory Commission, which is still relatively reliable.

In addition, offline insurance products are generally obtained from paper contracts, while online insurance is generally obtained by electronic contracts, and electronic contracts and proton contracts have the same legal effect, so we do not have to worry that electronic contracts are not valid.

Although it is reliable to apply for insurance online, there are also some things we should pay attention to when buying insurance online, such as:

Choose a formal platform.

Selling insurance on the Internet, there are regular platforms, and there will also be phishing**, so we have to keep our eyes open.

The online sale of insurance products is subject to the certification and filing of the China Banking and Insurance Regulatory Commission, and we can check whether the qualification is qualified at the bottom of the **, or log on to the official website of the China Banking and Insurance Regulatory Commission to view.

There are mainly the following types of formal online insurance platforms: self-operated platforms of insurance companies, self-operated platforms of insurance intermediaries and third-party online platforms.

It is very important to choose the platform for online application.

Among them, many of the insurance instructions include the restrictions on the local knowledge of this product, the insurance rules and the payment method, etc., so it is important to understand the insurance instructions.

Whether it is offline or online, health notification is very important.

Because the health notice is not only related to the issue of whether you can be insured, but also affects whether the subsequent insured accident can be successfully claimed, if there is any concealment in the health notice, the insurance company may refuse to pay.

Therefore, we must achieve the principle of maximum integrity, we will be truthful about what the insurance company asks, and of course, if we don't ask, we don't need to go.

Verify the policy. If we successfully apply online, we will receive the electronic policy as soon as possible, and we should verify whether the information in the policy is correct as soon as possible, such as identity information, policy number, effective date and coverage period.

If you find that there is an error in the policy information, you should contact the insurance company immediately to change the policy.

Hello! By buying insurance online, consumers can choose the most suitable insurance product according to their actual situation and specific protection needs. At present, there are many types of insurance online, including short-term accident insurance, health insurance, travel insurance, life insurance, etc.

Accident insurance online insurance is a relatively transparent process, and there are relevant contents available for inquiry on various insurance companies and professional insurance supermarkets. As a result, consumers can shop around and choose the most cost-effective combination that fits their needs.

When buying insurance online, you should also pay attention to the following points:

1. Choose a regular insurance company, preferably a leading insurance company with a big brand;

2. The purchased online insurance needs to match your needs, and most of the online insurance is still short-term accident insurance, such as travel, traffic accident, aviation insurance, overseas insurance, family short-term accident insurance, etc.;

3. In addition to looking at the basic protection when buying insurance online, if you have time, it is best to look at the product terms, there are some details, there is a big gap between different companies, and you need to carefully identify your fingers;

4. Choose a reliable third-party insurance online sales platform like this one.

Extended reading: [Insurance] How to buy, which is better, teach you to avoid these insurance"pits"

If you want to ask why many people on the Internet say that insurance is a cheat, it may be mainly because some friends are rejected by the insurance company when applying for a claim, so they feel that insurance is a fraud.

Before starting, in order to avoid falling into the pit when buying insurance, the following pit avoidance guide must be bookmarked:[Insurance] which is good, how to buy a good deal, hand in hand to teach you to avoid these pitfalls of insurance

However, in fact, under normal circumstances, the formal operation of insurance companies are subject to the strict supervision of the China Banking and Insurance Regulatory Commission and the supervision of the majority of consumers, unless the conditions for consumers to apply for compensation do not meet the compensation standards stipulated in the insurance contract, or consumers do not truthfully inform when purchasing some products that require health notice, otherwise the insurance company will not casually refuse to pay, which you can rest assured.

It may be abstract to say this, so let's take a simple example of health notification.

Health notification refers to the health instructions that consumers need to fill in before purchasing insurance from insurance companies, and it is also the basis for insurance companies to choose how to underwrite. If the consumer conceals something in the health notification process and fails to truthfully inform the insured of the health status, the insurance company has the right to refuse to bear the insurance liability.

Therefore, the senior sister suggests that when buying some insurance products that require health notification, you must follow the principle of "maximum integrity", and truthfully inform the insurance company of the physical condition of the insured person, but some are not within the scope of health notification, even if you have it, you can choose not to say it.

Finally, in order to allow everyone to pass the health notification link more smoothly, there are some tips for you to take a lookWhat are the tips for health notification when applying for insurance? Hope!

1. The pit of human affection.

People who buy insurance for the first time often don't know much about insurance, and most people believe in the insurance products that relatives and friends have purchased, or find the insurance person they know to buy insurance products for themselves. The products purchased by these users may not be out of their real risk protection needs, but blindly purchased, and the consequence may be that they accidentally jump into the pit of human affection and fail to achieve the purpose of protection.

As we all know, insurance products are different from ordinary commodities, and they can only play their role when they are really out of danger.

2. Brand pit.

Some people pay more attention to insurance companies and think that the products of big brand insurance companies must be reliable. In fact, there are certain drawbacks to such an idea, the scale of large brand insurance companies is large, the company's operating costs are high, and the insurance design and operation model are more stable, which does have its advantages, but the purchase of insurance products can not only look at the company's brand, the products of large brand insurance companies may be higher, and they may not be suitable for themselves.

3. Income pits.

Insurance is a kind of financial products, especially annuity insurance products, which are often used by users as a tool for wealth planning and management. Some people pay more attention to the amount of annuity due and think that the higher the better. In fact, this is also a pit.

The main role of insurance is protection, and the demonstration income of annuity and universal insurance is often a demonstration made by insurance companies for the convenience of users, and cannot represent the actual situation. When users purchase such insurance products, it is recommended to proceed from reality, pay attention to the protection function of the product, and do not blindly believe in "demonstration benefits".

There are many pitfalls in buying insurance, such as being misled into not choosing the right type of insurance, thinking that you can pay for everything if you buy insurance, etc.

1. Insurance pits.

For example, underage children are more suitable for purchasing critical illness insurance, medical insurance and accident insurance, such as middle-aged people who bear the heavy responsibility of the family, in addition to critical illness insurance, medical insurance and accident insurance, they also need to configure a life insurance product.

But now there are a lot of bank insurance, or now the best people, when selling insurance, mainly sell some financial insurance, which leads to the insured does not have a strong personal protection, if unfortunately sick or accident and other situations are hospitalized, there may not be enough funds for **.

How to buy insurance for different age groups? Everyone should have their own plan

2. I think that insurance will pay for everything.

Different insurance products do not have the same coverage, so there are certain differences in the scope of compensation.

Like critical illness insurance, it mainly covers various diseases, and if the insured suffers from the diseases specified in the contract and meets the conditions for claims, you can get the corresponding compensation.

Top 10 Popular Critical Illness Insurance Points Worth Buying!

For example, medical insurance is mainly used to reimburse some inpatient medical expenses, most products will not directly compensate for the insurance money, and for some outpatient expenses, some medical insurance does not have corresponding protection.

Specifically, how to buy insurance is better, how to avoid the common pitfalls of buying insurance, friends who want to know more can see the following analysis article:

【Insurance】Which is better, how to buy a cost-effective one, teach you to avoid these pitfalls of insurance

That's all there is to it, hope.

Critical illness insurance is only an add-on. The primary insurance is either whole life or both. Critical illness insurance can be purchased separately.

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Avoid these pitfalls of insurance, and you will not be able to buy the wrong insurance.

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