4hw.com.cn: the Internet has gradually penetrated into all aspects of real life. Online shopping has become a way of life, and the insurance industry is no exception. More and more people choose to buy insurance products online. At the same time, some people have raised the question: what can't be seen or touched by insurance, can it be bought online? What to do when settling the claim? In this chapter, we will uncover these questions one by one
1. Is online insurance reliable?
Insurance sales websites, such as Hui Bi and Alipay, are one of the selling channels of insurance products as well as insurance agents. No matter where customers purchase insurance, they eventually sign insurance contracts with insurance companies, and electronic policies and paper insurance policies have the same legal effect. That is to say, no matter where you buy it, as long as the policy number is filed in the system of the insurance company, it is the real insurance contract.
Speaking of this, I would like to introduce the common sales channels of insurance products.
In the traditional channel, because the insurance agent is entrusted by the insurance company and sells products for it and can only sell the products of the insurance company, it more represents the interests of the insurance company; the insurance broker is standing on the position of the customer, based on the customer's own conditions, to plan the appropriate insurance configuration scheme for it.
Definition of agent and broker in Insurance Law
1. Strengthen supervision
Insurance is a strong regulatory industry. In the previous tweet of "worried about the failure of insurance companies, you may be worried too much", we mentioned that the CIRC is very strict and cautious about the regulation of insurance companies. In fact, this is also true when it comes to insurance products. The issuance of insurance products is strictly regulated by the CIRC. The insurance law clearly stipulates that:
The insurance terms and premium rates of the insurance types that are related to the public interest, the insurance types that are subject to compulsory insurance according to law, and the newly developed life insurance types shall be submitted to the insurance regulatory authority under the State Council for approval.
The insurance terms and premium rates of other types of insurance shall be reported to the insurance regulatory body for the record.
It can be seen that insurance products have been taken care of since they were born. The insurance products that can be successfully sold on the market are all the public products with legal protection.
2. How to settle the claim?
The claim process of a product on Alipay and the claim for online products are summarized as follows:
1) report
Contact the Internet insurance sales platform customer service phone or insurance company customer service phone to report the case.
2) Submit claim information
After reporting a case to the Internet insurance sales platform, they will generally send a claim guidance email to customers, informing you of the specific claim data requirements, claim processing and the mailing address of paper materials. Send the claim information to the insurance company as required.
If it is not clear whether the existing materials meet the claim requirements, some platforms can provide pre audit services, that is, the customers will upload photographs of claims materials, submit them to the Internet insurance sales platform through public numbers or e-mail, and they will assist you in the preview of image files.
3) Claim data review
After receiving the claim settlement information, the claim settlement department of the insurance company will start the audit. For the cases with clear accident liability and complete claim settlement information, the audit cycle will be very fast; for the cases with complex cases, the longest time is usually no more than 30 days, which is clearly stipulated in the insurance law.
4) Claim money
There is no problem with the audit materials, and the claims will be paid soon
One of the advantages of buying insurance through Internet insurance platform is that some large platforms usually sign special service terms with insurance companies, such as green channel for claims settlement. Then, through these platforms to claim from insurance companies, their cases usually enjoy the priority of claims settlement.
Secondly, before the emergence of the third-party platform, when settling claims, it is often the game between users and insurance companies, with great power gap. After the emergence of the third-party platform, they usually stand in the user's perspective. If there is a dispute between the insurance company and the user, the third-party platform will stand in the user's perspective to play games with the insurance company to help the user fight for the legitimate policy rights and interests.
3. Some precautions for online shopping
First of all, we must choose the right platform. Choosing a platform with certain brand influence will undoubtedly make people feel more secure. From the consultation before the insurance, to the issuance of the order, to the settlement of the claim, the service of the platform will accompany the whole process, which is very meticulous. Some platforms even support small quick claims, that is, after users submit complete claims information, there is no problem in the audit, and the amount of compensation is within a certain amount, then the platform will pay in advance, saving a lot of trouble.
Secondly, before the insurance, we need to check the product terms carefully to confirm that the product's guarantee liability and exclusion liability are in line with our own needs.
Third, after receiving the electronic insurance policy, the consumer shall confirm the policy number, the effective time of the policy, the insurance period, the identity information of the insured, the name of the insurance company, the seal of the policy, and whether the customer service telephone number of the insurance company and the policy inquiry method are printed.
At the same time, the following two methods can be used to check whether the policy is true and effective:
Check the authenticity of the policy through the official website of the insurance company;
Call the official customer service number of the insurance company you purchased, and inform the policy number for inquiry.
4. Current situation of online insurance
For users, online insurance has more choices, more reasonable prices, and does not hinder the agent's feelings. They have to make choices that are not suitable for them. For insurance companies, they can save costs. In terms of both parties, it is a win-win situation, so Internet insurance has also made rapid development in recent years.
As of 2016, 117 insurance institutions have operated Internet insurance business, and 75.97% of insurance companies in the national insurance industry have carried out Internet insurance business through different business models such as self built websites and cooperation with third-party platforms. On the user side, according to the data released by ant financial services, the number of Internet insured has exceeded 330 million in March 2016, and is still growing rapidly Medium.
Internet insurance has many advantages that the traditional insurance sales model does not have, and in the settlement of claims related to user service experience, it is also constantly simplified and optimized, more close to users. I believe that with the 80's and 90's gradually becoming the mainstream of the society and shouldering the burden of family life, Internet insurance will gradually become the main way to purchase insurance products.