What are the insurance companies online?

With the development of the Internet, many Internet companies now provide online insurance services, such as Baian Insurance (Baidu), Zhongan Insurance (Ali, Tencent), Taikang Online, Yi 'an Property Insurance, Anxin Property Insurance and so on. After reading this article, you will know, "How do you think insurance companies are unreliable? It is good to master these points! How to look at an insurance company?

It is convenient to buy insurance online, but we should also pay attention to the following issues:

1. Choose a regular website for insurance.

Because of the rapid development and uneven level of the Internet, a number of counterfeit e-commerce platforms and websites will be copied, and the simulation effect is obvious. Consumers should be cautious because fake insurance websites will be mixed with some strange numbers or letters. When consumers buy insurance products, they must confirm the regularity of the website to avoid damage to their rights and interests.

2. Effective time of insurance

Online insurance is self-help, and some products take effect at 0: 00 the next day after purchase. However, after the purchase of the critical illness insurance policy contract comes into effect, there is still a waiting period, after which claims can be obtained. Therefore, before online shopping, it is necessary to know the details of the effective date of the insurance contract, which is really related to the later claims. If the insured is not clear, he should consult and confirm before purchasing.

3. Understand the insurance clauses.

When consumers buy insurance on the website, they should make sure that the products are clear about the insurance benefits, protection responsibilities, exclusions and other contents. Because online insurance can't communicate face to face, some information will be delayed. Therefore, consumers should be aware of the products they buy and ensure that they meet their own wishes and interests, so as to protect their rights and interests and maximize the insurance benefits.

4. Confirm the policy information

When consumers buy insurance online, electronic insurance policies will be generated, and insurance companies will also issue paper insurance policies when necessary. After receiving the policy, consumers must check the policy information, such as the policy number, the name of the insurance type, the insurance period, the effective date of the policy, the insurance amount, the name of the insured and the ID number. If the information is wrong, you should inform the insurance company in time to avoid damaging your own interests.

Dad's insurance consulting platform focuses on insurance evaluation and analysis, advocates "consumer-oriented" and conducts insurance allocation with consumers as the center, rather than insurance products as the leading factor and consumers passively accept it.