superiority
1, choose independently
Consumers can choose the insurance they need on major insurance websites, and can shop around online, with transparent premiums and clear insurance terms. For insurance companies and consumers, the surrender rate is greatly reduced. So if you buy the wrong insurance, do you want to surrender it? If you surrender, why don't you lose money? Can I return the wrong insurance? How much can I refund if I surrender? How to surrender in full?
2, the service is convenient and fast
The biggest benefit that the Internet brings to everyone is convenience and quickness, and so does buying insurance online. Consumers only need to fill in their own information online, and they can buy insurance through the mouse and keyboard, which is much simpler and more convenient than offline insurance.
3. Convenient claim settlement
If the consumer unfortunately has an accident within the insurance period, it is not easy to claim. If consumers buy online insurance, most of the claims procedures can be completed through the network. When making a claim, consumers only need to report the case and upload relevant information to complete the claim online.
Insurance companies can increase their income.
In the Internet era, the rapid spread of information has reduced the expenses of insurance companies in sales and other aspects to a certain extent, and greatly improved the income of insurance companies. Which insurance company is stronger? I just sorted out the relevant content, hoping to help you: the latest list! Top Ten Insurance Companies in China
disadvantaged
1, reducing the cost of crime
Many criminals will use insurance information on the Internet to cheat, causing some consumers to lose money, while some online insurance companies will use words such as "zero risk" and "high yield" to attract consumers to buy insurance and create marketing gimmicks.
2. There are fewer kinds
As a new insurance purchase method, online insurance is bound to be in the development stage, and there are naturally not as many types of insurance as traditional insurance.
The difference between offline insurance and online insurance
1, product difference
Online insurance products are different from offline products. Online products mainly provide some savings and consumer insurance, which is cost-effective insurance; Offline insurance is mainly financial insurance. Is savings insurance good? I just sorted out the relevant contents, hoping to help you: What's the difference between consumer insurance, savings insurance and return insurance? Which is better?
2. Differences in the purchase process
Buying online insurance means that consumers fill in relevant information according to their insurance types and their own information and get an electronic insurance policy. Of course, consumers can also apply for paper insurance policies from insurance companies. When purchasing offline insurance, the agent will introduce the relevant information of the insurance in detail, lead the consumer to fill in the information, and submit the policy to the consumer after examination.
Claim difference
When making an offline insurance claim, you contact your previous agent, collect relevant information about the claim, submit an application to the insurance company, and you can get the claim after it is approved. When making online insurance claims, you only need to submit the relevant information online, and you can get the claim after waiting for the review, and you don't need to hand over the materials to the insurance company.