1, self-operated platform of insurance company
For example, PICC P&C official website, Taikang Online and China Ping An official website.
They represent their own companies, speak for their own companies and sell their own products.
Advantages: It has more flexibility and autonomy in grasping products, greater strategic freedom, and can design underwriting process according to product form, which has natural advantages in renewal claims and follow-up services.
Disadvantages: the product is single, so you can only choose the company's products, and you can't compare them horizontally.
No matter how good other products of other companies are, they will never be mentioned.
2. Self-operated platform of insurance intermediary companies
For example: Huixuan Insurance Network, Zhong Min Insurance Network and Xinyizhan Insurance Network.
Such websites are generally insurance e-commerce websites operated by professional intermediary companies approved by the CIRC. It has the legal qualification to sell products and collect premiums.
Consumers can generally inquire about relevant qualifications in the information disclosure column at the bottom of these websites, or directly log in to official website of the CIRC to inquire about filing information and verify the identity of the websites.
They sell products for one or several insurance companies and charge premiums.
Advantages: Multiple products can be selected for horizontal comparison.
Disadvantages: you must establish a cooperative relationship with the insurance company to sell. You don't have your own insurance products, and the types and pricing of products are subject to insurance companies and lack autonomy.
3. Third-party network platform
For example: nanny insurance
This kind of platform is our most common, including all kinds of websites that cooperate with insurance companies or intermediary companies, as well as professional insurance price comparison platforms.
There are also various lifestyle websites, such as comprehensive e-commerce platforms such as Taobao and JD.COM, or tourism e-commerce such as Qunar.com and Tuniu.
Advantages: independent of insurance companies, it can compare different products of many insurance companies fairly and objectively, reduce information asymmetry and optimize selection;
Secondly, third-party network platforms generally have professional insurance assessors to give one-on-one objective, fair and neutral advice to guide users to buy cost-effective products.
Tips:
Online shopping insurance must see the platform clearly and avoid highly similar phishing websites.
In addition to computer-based websites, online shopping insurance platforms also include mobile products developed by major insurance companies, insurance intermediaries and third-party platforms, including app and WeChat official accounts. You can choose a reliable platform according to your consumption habits and referring to the reputation, evaluation and popularity of the website.
For details, please check the latest medical insurance evaluation article of Dad Insurance Network!