General online insurance sales platforms are divided into the following categories:
1. Self-operated platform of insurance company
For example, Taikang Online and China Ping An Insurance official website are online sales platforms operated by insurance companies themselves.
2. Self-operated platform of insurance intermediary companies
Such platforms are generally insurance e-commerce websites approved by CBRC, and consumers can check the filing status of these platforms in official website and CBRC. Dad stays in the net.
3. Third-party network platform
The third-party network platform is a website that cooperates with insurance companies or intermediary platforms. Consumers can refer to the reputation and comprehensive evaluation of the website.
For example, Alipay Ant Insurance, JD Finance and other integrated e-commerce platforms.
Dad talked about some platforms for buying insurance online. Let's focus on how to choose online insurance.
1. Read the insurance content clearly.
The most important thing to buy insurance is to see clearly the coverage of insurance, including the liability and duration of insurance.
There are also some specific clauses that need our attention, such as exemption clauses.
If you don't know how to read the exemption clause, you can see what the exemption clause written by dad means. How to understand the insurance exemption clause? 》
2. Product verification
Before buying online insurance, you can go to China Insurance Association. Check the record information of the product. If the product is put on record and the information is correct, it is genuine and can be purchased with confidence.
3. Proportion control of premium expenditure
When purchasing insurance, the average family should control the premium expenditure within 65,438+00% of the total family income, and not more than 65,438+05% at most. If it exceeds 20%, it may bring a great economic burden to the family.