Can I buy insurance from a small insurance company?
You can buy it.
You can also buy insurance from a small insurance company, as long as the company is a legal insurance company and has been approved and filed by the China Banking and Insurance Regulatory Commission.
But when buying insurance in small insurance companies, we should pay attention to the following aspects:
First of all, we must ensure that small insurance companies are legal insurance companies. You can go to official website and China, China Banking and Insurance Regulatory Commission, China, and check whether the insurance company is registered and abnormal.
Secondly, we need to know the reputation and reputation of insurance companies. You can learn about the company's operating status and reputation by watching media reports and customer evaluations. If the company has been complained all the time, or there are serious violations, then buying the company's insurance is risky.
Finally, you need to carefully check the company's claims process, claims timeliness and other information to avoid problems in claims.
How to buy insurance correctly
1. Insure separately without knowing the product.
In the absence of insurance knowledge and products, the purchase of insurance products can give priority to a single insurance product. This kind of insurance product has simple guarantee responsibility and is easier to understand. Even if you don't know much about insurance, you can avoid many "pits" in insurance. Take children's insurance for example. If you want to insure your children, health protection is definitely the first choice, then medical insurance and critical illness insurance are definitely the first choice.
2, must meet the actual needs.
As long as it meets the standard of "actual demand", it is a good insurance for yourself. After defining the demand, you must personally understand what insurance is guaranteed. At the same time, we need to know some basic forms of insurance payment, the reimbursement ratio and scope of medical insurance. , and compare in many directions to find the protection that suits you.
3. Health advice must be read carefully.
Health notification is a very important link when buying insurance. Many cases of refusing to pay compensation are due to the failure to give health advice when insuring, so you must pay attention to it when insuring and read the health advice carefully.
Therefore, the insurance products of these small insurance companies are relatively reliable and can be purchased, but the terms of the insurance products must be carefully confirmed when purchasing.