First, the classification of free insurance:
According to different channels, it can be divided into: free insurance for online sales, free insurance for telephone sales and free insurance for joint promotion activities.
Free online insurance: generally purchased from the insurance company official website or the insurance agent's website. Online price comparison, online consultation, online insurance, online payment and online receipt of electronic insurance policies can be achieved. Some online sales? Free insurance requires restrictions such as invitation code or registered website to purchase, and generally only one copy can be purchased. Online insurance is a new insurance sales model, which adapts to the fast-paced lifestyle of modern people and the habit of online shopping through e-commerce.
Telemarketing free insurance: usually, insurance companies take the initiative to call customers and give away free insurance. Generally, callback is not allowed. By screening customers, the insurance company treats your customers? Customers, member customers, or related credit card customers take the initiative to sell insurance by telephone. Generally, insurance policies will be sent to customers by mail or express delivery. Telemarketing is a traditional form of insurance sales. Do you use telemarketing? Giving away free insurance is a very quick and convenient way.
Giving away insurance in joint promotion activities: Under normal circumstances, insurance companies cooperate with hypermarkets, supermarkets and shopping malls to hold activities of giving away insurance.
Second, the main characteristics of free insurance
Free insurance does not require customers to pay any fees, and the premium has been exempted by the insurance company.
Free insurance is generally accident insurance, among which there are many traffic accidents.
Free insurance has a short insurance period and a small insurance amount.
Free insurance has only protection and no income.
Free insurance is provided for a limited time and under limited conditions.
Three, the difference between free insurance and ordinary insurance:
Most free insurance products are specially designed by insurance companies to give away insurance products. Insurance is the same as general insurance, except that the general insurance will be less, the coverage will be limited and the insurance period will be shorter, but there are exceptions. There is no difference between free insurance and ordinary insurance in terms of entry into force and claim settlement.