Let's take top student's insurance as an example to tell you how to belong to a reliable insurance platform! Not much nonsense, just give dry goods!
1. Does top student say that the insurance platform is reliable?
1. Company strength
Top student said that insurance was established on 20 17. As a third-party insurance consulting platform operated by Guangzhou Xiaoqiuyang Information Technology Co., Ltd., users can get a reasonable and intuitive insurance solution after comparing the products of all domestic insurance companies.
Top student said that insurance has deep cooperation with many insurance companies and insurance brokerage companies, covering a rich product base, which can provide consumers with a variety of choices.
In addition, top student said that insurance is very active in self-media platforms such as Zhihu, Tik Tok and Xiaohongshu, and more than 1000 kinds of insurance products are evaluated and analyzed from an objective and neutral third-party perspective as far as possible, so as to make consumers' product problems disappear.
Secondly, top student said that insurance also has a professional team of experts, so that everyone can enjoy 1 to 1 expert consultation, product selection, insurance claims and other one-stop and full-process insurance services.
2. Reliability
First of all, top student said that insurance is filed in China Insurance Association in strict accordance with national regulations, and it has to be said that it is a formal and legal platform!
At the same time, according to the regulations of the CBRC, third-party platforms or insurance companies can handle insurance-related business according to law only if they have relevant licenses issued by the CBRC, and they can file in strict accordance with national requirements. Top student said that insurance is one of the platforms with insurance sales qualifications.
In addition, you can always search the names of relevant companies in the information disclosure column of insurance association of china official website, and then you can check the authenticity of the platform.
3. Service level
Some friends will worry about buying insurance on the platform in top student and not providing claims service. Subsequent claims still need your own efforts.
However, this is not the case. Top student said that insurance not only provides pre-purchase consultation and customized scheme services, but also provides post-purchase peace of mind compensation services to help the insured in the process of claim settlement. Experts and consultants will patiently and meticulously answer insurance questions you don't understand.
And suppose top student said that the insurance platform has purchased insurance, and all of them have set up corresponding peace-of-mind payment services, and the claims experts will help us to make claims all the time!
4. Company reputation
Top student said that the members of the insurance expert group are all students from famous universities such as Tsinghua University, Sun Yat-sen University and South China University of Technology, who have a professional and systematic understanding of insurance and have many years of insurance experience.
If you encounter any insurance difficulties, claims obstacles and other problems, you can seek help through top student. Top student said that the insurance expert consultants will know the actual situation of the insured and their family members, evaluate the accident and disease risks of each family member, and families and individuals will make efficient and objective insurance allocation decisions with the help of professionals.
In the case of disputes, top student said that the insurance company has added a special team of claims, legal affairs, underwriting and medical experts to assist customers in handling claims, so that customers can have the greatest benefits.
For more tips on how to judge whether an insurance consulting platform is reliable, Senior Sister has arranged them for everyone in this article:
A good insurance consulting platform must meet three requirements, otherwise it will be difficult to settle claims! 》
Second, what is a brokerage company?
Top student said that the insurance platform is actually an insurance brokerage company. Speaking of this, there may be many small partners who don't know much about what an insurance brokerage company is. An insurance brokerage company refers to an insurance intermediary institution established according to law.
Insurance brokerage companies (intermediaries) are different from insurance companies. Even though both of them play the role of economic subjects in the insurance market, insurance companies are insurers in the insurance market, specializing in product design and sales, and they also need to bear the responsibilities of issuing insurance policies, collecting premiums and undertaking insurance compensation.
Insurance brokerage companies are essentially intermediaries in the insurance market. The key is to provide customers with full-process services such as risk assessment, risk management, insurance arrangement, insurance claims and recovery, and its role is the business link between customers and insurance companies.
At the same time, the characteristics of insurance brokerage companies are that the insurance products provided on the insurance platform are strictly screened and are high-quality products launched by different insurance companies, which helps consumers to insure. In addition, insurance brokerage companies will provide demand understanding and matching services.
Insurance brokerage platform is a good choice to buy insurance, but the qualifications of insurance brokerage companies are mixed. Let's see how to choose insurance brokerage companies:
How to choose a good insurance brokerage company? 》
Three, top student said how to buy insurance on the insurance platform?
No matter which platform you want to buy, it makes no difference. What kind of insurance you want to buy is closely related to who you want to buy insurance for, just like in the process of insuring the main source of family income, you should try to establish a relatively perfect protection system, such as critical illness insurance, millions of medical insurance, accident insurance, life insurance and so on.
We don't need to consider life insurance when analyzing insurance for children. After all, children haven't started to bear the main economic responsibilities at home, so there is no need to add life insurance.
Fourth, the ranking of insurance platforms
There are well-known insurance platforms in the market, such as Huixuan and Wutongshu. However, choosing an insurance platform can't just look at fame. When choosing an insurance platform, it is necessary to study whether the business license, solution experts and product line are in place.
At the end of the article, the senior is going to send a small gift to your friend. Let's check:
"Is it reliable to buy insurance online? What is the difference between online insurance and offline insurance? 》
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
If the above content has not solved your problem, you can also come to the official account of WeChat to learn to bully and say that insurance consulting me;
I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
WeChat official account: Xueba said that insurance costs less, buy the right insurance!