Nowadays, with the continuous development of the Internet, it has brought people a lot of convenience. People can not only buy clothes and various daily necessities online, but surprisingly, even insurance can be bought online.
There are many platforms to buy insurance online, including insurance brokerage companies.
So is such an insurance brokerage company reliable? How can I choose a reliable insurance brokerage company?
Next, Senior Xue will take Xiaoman's insurance brokerage company as an example to discuss this issue with you.
First, is it small and reliable?
Du Xiaoman's predecessor was Baidu Finance. On April 20 18, Baidu announced that its financial services business group had officially completed the signing of the split financing agreement. After the split, Baidu Finance established Du Xiaoman Finance, which can operate independently.
In fact, Du Xiaoman Insurance Brokerage Co., Ltd. is a professional insurance brokerage service platform under Du Xiaoman (formerly "Baidu Finance"). As a national and comprehensive insurance brokerage institution approved by the Bank of China Insurance Regulatory Commission, it is known as the first batch of innovative Internet insurance companies in China, with a registered capital of 50 million yuan and an insurance intermediary license:
Open the official website Internet Insurance Information Disclosure of China Insurance Association, and you can find the filing information of Xiaoman Insurance Broker:
As a local regulatory authority, insurance association of china is authoritative in regulating insurance companies and insurance markets.
It can be seen from this that Xiaoman's insurance brokerage company is still very reliable.
For internet insurance, insurance companies, insurance brokerage companies, etc. If you still have concerns, you may wish to read this article and know how to see that they are unreliable:
What about Internet insurance companies? After reading this analysis, you will never suffer! 》
2. What is an insurance brokerage company?
Most people will confuse insurance brokerage companies with insurance companies. Actually, they are two completely different concepts.
Insurance companies are insurers in the insurance market. They can help us design an insurance plan, issue a formal policy after collecting the insurance premium, and bear the compensation for the interests of the insurance company.
Insurance brokerage company refers to the intermediary in the insurance market, which provides services for the whole process of risk assessment, risk management, insurance arrangement, insurance claims and recovery, mainly to maintain the business relationship between customers and insurance companies. Insurance brokerage companies mainly provide services to customers, and insurance brokerage companies will be relatively objective and neutral. After all, the insurance products it sells are provided by many insurance companies, such as Du Xiaoman insurance broker who cooperates with China PICC, China Life Insurance and China Ping An.
Du Xiaoman's services include health insurance, accident insurance, life insurance, annuity insurance, property insurance and other insurance fields. Its popular insurance products include full medical insurance Huatai Million Medical Insurance, full medical insurance Ping An E Life Long-term medical care, Hetai Life Super Mary No.6 critical illness insurance and other products.
Generally speaking, Du Xiaoman Insurance Brokerage Company is a trustworthy institution with many products, which allows customers to choose insurance products flexibly according to their own needs.
In addition to seeing whether there are qualifications and whether there are many insurance products, to really judge whether an insurance brokerage company is good or not, we have to look at these aspects again:
How to choose a good insurance brokerage company? 》
Third, how to buy insurance on the mini-full?
Some small partners are really at ease with Xiaoman insurance broker, and want to buy insurance with Xiaoman insurance platform, but they don't know how to start. Then, senior will tell you something:
The first step is to search for "Du Xiaoman Insurance Broker" on the Internet, inquire about its official website, find insurance products, and click a little to see various insurance products displayed on the platform. Click on the favorite insurance product page to find out what I want to insure, and then a WeChat QR code will appear. Turn on the phone, scan the QR code to identify the product, and enter the product details page.
On the product details page, we can learn all kinds of information about the product, including insurance information and terms. In addition, you can calculate the premium and know your own premium and budget. If you don't understand, just contact customer service directly.
If you are sure to buy insurance, we will fill in the insurance information on the product details page, click Insurance Now, and complete the payment according to the prompts.
To be honest, many internet insurance platforms have little difference in the insurance process, and there are also obvious operation tips. If you really don't understand the insurance operation process, you can also consult the platform customer service at any time.
However, everyone should pay attention. Remember not to buy insurance products at will. It is best to choose the appropriate insurance according to your own situation and economic situation, especially for people of all ages.
Because adults are often the backbone of the family economy, it is best to have critical illness insurance, millions of medical insurance, accident insurance and life insurance to transfer economic risks when funds are sufficient; Old people and children often face the risks of diseases and accidents, and need to buy critical illness insurance, medical insurance and accident insurance, but the economic responsibility of old people and children will not be great, which is not suitable for life insurance.
Secondly, before applying for insurance, friends must read the terms carefully to understand what the product's guarantee responsibility is and what kinds of situations are not covered, so as to prevent unnecessary disputes when making claims in the future.
Fourth, the insurance brokerage platform ranks high!
There are actually many Internet insurance platforms. In addition to insurance brokers, there are also third-party insurance consulting platforms such as exchange selection. Com, dad insurance, top student insurance. The services, service levels and insurance products sold by each platform are different. You can know whether there is an insurance license, whether it is objective and open, whether it provides thoughtful service, and whether there are many product libraries. Let's compare which platform is better.
You know, determining a good insurance platform can not only help us get suitable insurance, but also save a lot of effort in the follow-up claims.
The seniors here also sort out the criteria for judging a good insurance platform for everyone, and everyone will use this as a reference for a better platform:
"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!