Advantage analysis
Convenient insurance, free choice: Internet insurance product insurance process is very simple, not limited by time and space. It is very convenient to complete self-protection directly on the mobile phone. And we can choose insurance companies and products according to our own preferences and needs.
Cheap price: Internet insurance products are usually cheaper than offline products.
Inferiority analysis
Can not provide demand analysis services: the insured products are configured according to their own demand risk index, but it is difficult for ordinary consumers to distinguish them. Demand and risk analysis requires certain insurance knowledge and the ability to read and screen important insurance information, but Internet insurance does not have this service.
There is no special person to provide services: generally, insurance products are purchased offline, and insurance agents will serve us, help us handle insurance and answer related professional questions. In addition, if there is an insurance accident, the insurance agent can also help us settle the claim. However, it is impossible to provide exclusive service personnel for insurance on the Internet. If the insured have any questions, they need to contact the insurance company directly. Therefore, Internet insurance is mainly based on relatively simple products, and the guarantee period is relatively short.
Internet insurance refers to the networking of the whole insurance process, such as insurance information consultation, insurance scheme design, insurance, payment, underwriting, underwriting, policy information inquiry, security change, renewal payment and claim payment. No matter from the concept, market or business scope, online insurance has a broad development space.
In June, 2020, China Banking Regulatory Commission issued the Notice on Standardizing the Traceability Management of Internet Insurance Sales Behavior, focusing on the management of Internet insurance sales pages and sales process records, clarifying the links, contents and interaction modes of Internet insurance sales, innovating the version management mechanism of sales pages, and coping with the difficulties in obtaining evidence caused by continuous iterative updating of insurance sales pages under the Internet background.
Internet insurance is a new insurance marketing model based on computer internet, which is different from the traditional insurance agent marketing model. Internet insurance refers to the economic behavior of insurance companies or new third-party insurance networks to support insurance sales management activities by using the Internet and e-commerce technology.