However, for Xiaobai Insurance Company, details such as insurance clauses, health notice and exemption clauses are vague. Without guidance, it is very difficult to insure yourself online, and it is very likely that you will buy the wrong insurance and refuse to pay compensation. Before buying insurance, you must first understand these key knowledge points. In short, WeChat platform is credible, just like Ant Insurance, backed by Alipay, and it is a very reliable insurance purchase platform.
First, many regular large insurance companies now offer the function of buying insurance in official website, and consumers can buy insurance in official website, saving a lot of time and energy. There are many other ways to buy insurance online, such as some brokerage websites of insurance companies in official website (such as Shi Sheng Chuangfu), insurance channels of comprehensive websites (such as Taobao) and insurance professional search platforms. Consumers can check and compare these channels before buying, and choose the product with the highest cost performance.
Second, when choosing insurance, many consumers may take the price as the main reference factor, and pay little attention to the specific insurance period, guarantee liability, exclusion liability and whether it can be returned after purchase. Consumers are advised to read the product introduction carefully before buying, and communicate with customer service in time if they don't understand anything. Many websites will provide online customer service functions, so consumers must pay attention to communication. After getting the electronic insurance policy, consumers should also carefully check the terms to see if they think the same.
Third, because online insurance is self-help, there may be some details that consumers need to pay special attention to, such as the effective time, beneficiaries and policyholders, and insurance period. In the case of travel insurance, the suggested duration is slightly longer than the planned travel time, so as to prevent the phenomenon of being forced to lengthen due to accidents during the travel. After receiving the policy, consumers should immediately check whether the policy is valid by telephone and portal website. Generally, the policy number, the name and ID number of the insured, the name of the insurance type, the effective time of the policy, the insurance amount, the insurance period, the name of the insurance company, the company's customer service phone number and the policy inquiry method will be indicated on the policy.