Today, Dad will take stock of several top Internet insurance companies. The Latest Market Share of Internet Property Insurance in China
(Source: iResearch "20 19 China Internet Insurance Industry Research Report")
The Latest Market Share of Internet Life Insurance in China
(Source: iResearch "20 19 China Internet Insurance Industry Research Report")
But there must be many friends who want to ask Dad: These Internet insurance companies have never heard of them, so are they reliable? What advantages do they have compared with traditional offline insurance companies?
For the first question, friends actually don't have to worry too much. Insurance companies, whether online or offline, need to meet certain conditions when they are established and obtain the approval of the CBRC.
Internet insurance is often cheaper than traditional offline insurance.
The premium we pay when buying insurance consists of pure premium and additional premium, including underwriting cost and operating cost.
Internet insurance, taking advantage of its online operation, saves a lot of underwriting costs and operating costs for everyone, so the price of premiums is also reduced accordingly.
Secondly, it is more convenient and faster to buy insurance online.
When choosing products and insuring, you can browse and buy directly on the web page, without running around yourself.
When underwriting, you can choose intelligent underwriting or manual underwriting, and the possibility of rejection is low. If you choose smart underwriting, even if the health notification fails, there will be no trace.
When making a claim, you can directly apply for a claim online and upload the claim data, instead of reporting the case offline and submitting the data as traditional.
However, if you insure yourself online, complicated insurance clauses seem to be a headache without the help of an agent. Various exclusions and health notification clauses also require the insured to have certain insurance knowledge.
So what should we do? Don't worry, come to the official account of WeChat, and dad is insured here. We have professional consultants to provide insurance configuration and clause interpretation services.
Finally, you can browse and compare the products of different insurance companies online. ?
Traditionally, to buy insurance offline, it is often to determine the insurance company first, and then consult the insurance products, which will narrow the scope of choice. If you are not satisfied, it is also very troublesome to know the products of other insurance companies. ?
Internet insurance has solved this problem well. You can choose different insurance companies freely, and you can know the prices and differences of various products without leaving home, which is very convenient. ?
There are different channels to buy insurance online.
(1) official website, a traditional insurance company, such as Ping An Insurance and Taiping Insurance. ?
② Professional Internet insurance companies, such as Zhongan Insurance and Taikang Online. They also hold professional licenses, but there are no offline sales outlets.
③ Third-party professional agency platform. Its advantage is that professionals provide consulting services and compare the products of different insurance companies. "Is it reliable to buy insurance online? Guide to the selection of insurance sales channels.
Summary: Generally speaking, Internet insurance has advantages and disadvantages, but the advantages will be more obvious, because it depends on individuals. As long as you have a clear understanding of insurance knowledge and your own needs, it is not difficult to find a suitable type of insurance in Internet insurance.
Hope to adopt!
Source: Nanba Daily