What is it like to buy insurance on the Internet?

Internet insurance reduces the cost of customer acquisition, reduces the distribution of major channels, and establishes the best advantages of products in this way. Compared with traditional insurance, insurance will be more cost-effective.

I was very surprised to find that Internet insurance is not only simple and convenient, with a wide range of product choices, but also quite reliable. ‍‍

Browse a variety of insurance products anytime, anywhere, as long as you have access to the Internet, you can learn about insurance. The Internet is a big "encyclopedia", with a wide range of product choices, clear terms and conditions, and easy to buy.

With the assistance of the Internet, at least you can understand what the insurance you are buying, what protections it has, the premium you can shop around, the advantages of the platform, and so on.

If you buy online, you will read the terms and conditions and decide whether to buy or not, which is more reliable. Most of the offline words are spoken by others. If you don't go into details, you may also be misleading.

The product page of an online insurance company usually displays the terms and conditions of the insurance product. Read the terms carefully at the time of purchase, and pay special attention to the exclusion of liability in the terms. ‍‍

Internet insurance is an open and transparent sales method, the whole insurance process is basically completed by the user, and understanding the insurance terms is the premise of insurance.

A product only covers one liability, and all attached terms and conditions are removed. This makes the underwriting and claims process much simpler, improving the user experience and service efficiency.

Many internet insurance plans are very competitive in premiums** because they are fixed-term or do not include death liability. ‍‍

When buying insurance on the Internet, are you confident when you make a claim?

The problems are: firstly, the mandatory "health notice" field, and secondly, the loan of the social security card (including family members); The other is how to fill in the case; Finally, it lies in the definition of technical terms.

At the same time, we must have enough patience to understand that for critical illness insurance, which insurance company's products have only 6 liabilities for 11 high-incidence and mild illnesses? Which company's products have a total sum insured? Which company's products are only covered until the age of 70?

Which company's products do not cover Alzheimer's disease after the age of 70? Which company's products have study abroad scholarships? Which company's products have ......

For annuity insurance, which company's product insurance period is lifelong? What is the predetermined interest rate for the main insurance of which company? ...

These problems are often not clear to the insurance company, and they can only sell themselves and boast; Whereas, insurance brokers do not represent any company.

There is a big difference between looking at propaganda and reading terms, how many people understand the terms? Many people don't know the words and don't know what to say.

Different from offline insurance, the products sold on the Internet do not have much guidance from salespeople, which is indeed the disadvantage of online sales at present.

Take out the traditional business insurance officer.

The mutual treasure in Alipay can upgrade millions of medical insurance, I sold more than 5 million copies when I bought it, and there are 20 yuan red envelopes, the key is that there is a double endorsement of Alipay brand and insurance company, and my family bought it. In addition, there are pension, accident and other insurance.

The feeling of being deceived and still in the dark.

My daughter-in-law had kidney cancer removed, and the critical illness insurance she bought from Qingdao Life Insurance Company was not reported, and the insurance company was a lie.

"Insurance" is risky, and "insurance" needs to be cautious.

Think about the loss of more than 20,000 yuan since you surrendered the insurance, how good it is to come a few years earlier for Internet insurance.

Internet insurance is an inevitable trend in the current Internet era, and the rapid development of Internet insurance is inseparable from the increasing maturity of the Internet and the change of consumer habits. At present, the development of Internet insurance is rapid and stable, but some people are worried that online insurance is not safe.

Advantage 1 of Internet insurance: cost-effective. The insurance sold on the Internet is mainly cost-effective.

For insurance products with the same protection, the online premium is at least 40% cheaper than that offline; Moreover, the online protection content is also innovative compared with the offline one, and the protection is more comprehensive.

Advantage 2 of Internet insurance: convenient and fast. We know that the advantage of the Internet is that it is fast. Through the Internet, we can buy insurance online, and then the electronic policy will be sent to the personal mailbox.

Even if the insurance product you purchased does not have a branch in your area, you can directly choose to buy insurance online, which is cheap and convenient.

Find insurance products that meet your needs online. Make premiums and terms more transparent and reduce information asymmetry.

In terms of innovation, it is worth affirming that insurance has followed the development of the times, and the most important thing for online insurance is to facilitate our customers themselves.

Therefore, you can choose to buy insurance online.

[Written at the end].

I am [Xueba Says Insurance], focusing on objective, professional and neutral insurance evaluation;

I will give you the most professional advice with years of experience in configuring insurance for 10w+ families.

Nowadays, the development of Internet insurance is very fast, but many people are worried that online insurance is not safe.

But as far as the current development is concerned, Internet insurance is reliable. Whether purchased online or offline, insurance products are a celebration that requires a contract and is protected by law.

target="_blank">"Good critical illness insurance turns out to look like this, you have been deceived for so many years".

It is a very good thing that insurance can adapt to the development of the times and create a marketing method of its own, and in order to facilitate our purchase of insurance, insurance companies are also painstaking.

Therefore, you can rest assured that you can buy Internet insurance;

[Written at the end].I am [Xueba Says Baozi Travel Insurance], focusing on objective, professional and neutral insurance evaluation;

I will give you the most professional advice with years of experience in configuring insurance for 10w+ families.