Do you have any suggestions on how to buy insurance? What should we pay attention to?

In the Internet era, buying insurance online is very popular among the public due to its convenience and speed.

But friends who are buying insurance for the first time may not know the channels for online insurance and the pitfalls to avoid when buying insurance online.

Then the senior sister will talk to you in detail about these two issues.

Before entering the topic, you can first understand some basic knowledge about buying insurance:

"Super comprehensive!" All the insurance knowledge you want to know is here》

1. What are the channels for buying insurance online?

There are many channels for purchasing insurance online. The following three categories are more common: insurance company self-operated channels, insurance agency platforms, and insurance brokerage companies.

1. Insurance company self-operated channels

It is true that many insurance companies provide online sales channels, and the commonly used ones are official websites, WeChat mini programs, insurance company apps, etc.

If consumers think there is a product that suits them, they can just place an order directly. If there is a claim settlement later, apply directly through the purchase channel.

However, if you buy insurance through the insurance company’s self-operated channels, there will also be some disadvantages, that is, the product is not good enough. If some products are not sold through online sales channels, consumers will not want to buy insurance. If you want to purchase, you still need to go through offline channels.

In addition, for people who are new to insurance, it will be extremely difficult to choose a product that suits them from many products. It is easy to buy low-cost or relatively " A tasteless product.

Therefore, it is recommended that before buying insurance, you should first understand the common insurance types on the market:

"What are the differences between critical illness insurance, medical insurance, accident insurance and life insurance?" ? Will there be any conflicts during claims settlement? 》

2. Insurance agency platform

There are too many insurance agency platforms at present, and I guess everyone has seen the well-known platforms, such as WeChat and Alipay, which are used by everyone.

Many people wonder why they can buy insurance on WeChat and Alipay. To be honest, it is very convenient to understand. WeChat and Alipay are essentially an agency sales platform. In fact, for insurance purchased on these platforms, it is still the insurance company that can provide claims.

Choosing the right platform is very important. Once the chosen platform is unreliable, it will lead to certain risks in later claims settlement.

3. Insurance brokerage company

Insurance brokerage company is equivalent to the "intermediary" in the insurance industry. It can not only sell insurance for insurance companies to get commissions, but also customize products for consumers. Insurance sales plan to make profit.

When consumers are completely unfamiliar with insurance, insurance brokerage companies will have professionals customize insurance plans one-on-one, but consumers need to pay part of the consultation fee.

Just like the company Shengshi Chuangfu Insurance Brokers, from early consultation to subsequent claims services, there are professionals to follow up.

On the whole, although buying insurance online is convenient and fast and can help us solve insurance problems in a short time, there are also many shortcomings in different online purchasing channels.

In this case, how can you avoid getting into trouble when buying insurance online? Then the senior sister will talk further!

2. How to avoid pitfalls when buying insurance online?

The biggest problem in buying insurance online is that consumers do not have enough insurance knowledge and insurance contracts are complicated and difficult to understand.

It is not difficult to solve the problem of insufficient insurance knowledge. Consumers can also learn insurance knowledge by themselves or consult professionals.

However, some details in the contract still need to be paid attention to when purchasing insurance:

1. Insurance liability

Basic protection and optional protection are insurance liabilities. In general, the basic protection is set at the beginning of the product, and the optional protection can be added when you apply for insurance.

In insurance liability, you need to pay attention to the compensation methods of different insurance liabilities, such as whether there is an interval for payment, whether there are groupings of diseases, etc.

2. Disclaimer clauses

The disclaimer clauses exempt the insurance company from liability. Different products will have different disclaimer clauses. Everyone should understand it clearly when purchasing insurance.

The senior sister has summarized some precautions on disclaimer clauses in this article. You can save them:

"What are the disclaimer clauses of insurance and how do you read them?" If you don’t understand, you will suffer a big loss! 》