Next, seniors take Taobao Insurance as an example to discuss this issue with you.
Taobao insurance is actually an internet sales channel for insurance, so what is the difference between internet insurance and traditional offline insurance? This article tells you the answer:
"Is it reliable to buy insurance online? What is the difference between online insurance and offline insurance? 》
1. Is Taobao insurance reliable?
If you want to know the answer, study with your senior!
Take Taobao as an example, perhaps everyone is familiar with it. It can be called a large-scale online retail and business circle in the Asia-Pacific region, which was founded by Alibaba Group in May 2003.
There are about 500 million registered users, with more than 60 million regular customers every day, and the daily online merchandise volume has exceeded 800 million, with an average of 48,000 items sold every minute. At this time, it has become one of the global e-commerce trading platforms.
Taobao also attaches great importance to the construction of integrity and security, and introduces a real-name authentication system to distinguish between individual users and business users. Two kinds of certification need to submit different materials. Individual users only need to provide identification, and business authentication needs to gradually bring business licenses. A person cannot apply for two certifications at the same time.
Taobao Insurance, as a way for the headquarters of an insurance company to directly settle in Taobao, set up a flagship store to sell insurance by direct sales, and has professional customer service staff of the insurance company to provide support for users.
For example, China Ping An, Pacific Insurance, Sunshine Property Insurance, Huatai Insurance, Pacific Life Insurance, Taikang Life Insurance, Sunshine Life Insurance, Guohua Life Insurance and Taiping Life Insurance also provide insurance sales and related services on Taobao. Insurance products bought on Taobao are still borne by insurance companies.
Merchants' access rules and approval procedures are very strict. If there is no problem with this insurance company, there is no doubt that there will be no problem, so don't worry about the platform of Taobao Insurance. There is also an instant payment transaction based on the third-party payment platform provided by Taobao.
Second, what is an insurance brokerage company?
Use the online e-commerce trading platform to reach the merchant's account by various payment methods. At present, the online banking payment technology and security technology of major domestic banks are becoming more and more mature. Adopt international advanced SSL encryption method, which has security guarantee.
In terms of services, Taobao Insurance supports direct online insurance service, online consultation and hotline service. In addition, it includes value-added services to assist claims in the whole process and enjoy convenient and fast online insurance.
Some friends may find that some insurance stores on Taobao are not insurance companies, but insurance brokerage companies. So how should insurance brokerage companies understand it? Then the senior will tell you:
Insurance brokerage companies are roughly equivalent to intermediaries in the insurance market, providing customers with full-process services such as risk assessment, risk management, insurance arrangements, insurance claims and recovery, as a link between customers and insurance companies.
In fact, insurance brokerage companies symbolize the interests of customers.
Insurance brokerage companies are relatively objective and neutral. After all, they sell not only the products of an insurance company,
Generally speaking, insurance brokerage companies can join hands with major domestic insurance companies and institutions, such as establishing cooperative relations with the following insurance companies:
Judge that an insurance brokerage company cannot be trusted.
The first point depends on whether you have a national insurance broker license.
It is only allowed to be operated by licensed people.
An unlicensed company is operating illegally without a license. Many times, we can find the license plate on the official website of the insurance brokerage company. Let's take a look at the picture below:
Another is to understand its operating conditions, which can be said to be the development of sales and services of enterprise products in the commodity market;
The following article also explains in detail how to judge whether an insurance brokerage company is reliable. You can learn more:
How to choose a good insurance brokerage company? 》
3. How to buy insurance on Taobao?
Then, we should pay attention to the expert level of insurance brokerage companies, which directly determines the quality of service in the early stage; Then we should know that the product library of insurance brokerage company is not comprehensive, which is an important factor affecting whether the scheme experts can allocate insurance most reasonably.
The following is an introduction to the process of purchasing insurance on Taobao:
1. Go directly to the Taobao website in the computer, find and prepare to buy Taobao insurance products, and directly click to apply immediately;
2. Then fill in the insurance related information according to the prompt, and click Next directly;
3. After checking that the information is correct, directly check the agreed relevant agreements, and then click OK to purchase;
4. After successful underwriting (automatic system operation), you can successfully complete the payment operation at Alipay cashier.
It should be noted in advance that the insurance operation pages of various insurance companies on Taobao are slightly different from the specific information to be filled in. If you have any questions, please consult the Wangwang customer service of each insurance store in time and ask clearly.
In fact, in the third-party platforms such as insurance company official website, WeChat official account and insurance brokerage company, the process steps are basically the same, and there are obvious operation tips. If you really encounter something you don't understand, just ask the customer service directly.
If it is a formal channel, no matter which channel can start insurance, the key is whether you can see the insurance products clearly. Before you choose, you should know the terms they provide, and find out what kind of insurance requirements it has, what the coverage content is, what the claim conditions are, and what cases will not be settled.
In addition, we must choose the appropriate insurance products according to our own situation and economic conditions. For people of different ages, there are differences in the types of insurance that suit them. Just like adults, they are generally the main undertakers of the family economy. If you have a certain economic strength, you can complete four kinds of insurance: critical illness insurance, millions of medical insurance, accident insurance and life insurance, effectively alleviating economic pressure.
If the elderly and children often face the risks of diseases and accidents, they should start with critical illness insurance, medical insurance and accident insurance, but generally speaking, the elderly and children are not the main undertakers of the family economy, so it is not worth taking out life insurance.
Fourth, online insurance platform ranking!
Buying insurance online is faster, and there are many platforms that bring services to our consumers, such as the third-party insurance consulting platform such as Huixuan. Com, Nanpa insurance, Xueba insurance.
There are some differences in services, service levels and insurance products sold by different platforms, and choosing a bright insurance platform can not only help us buy more suitable insurance, but also promote our future claims.
Senior also summed up several methods here to help you choose a formal and reliable insurance consulting platform:
A good insurance consulting platform must meet three requirements, otherwise it will be difficult to settle claims! 》
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!