Where can I use electronic signature in the insurance industry? Is it legal and compliant?

With the change of ideas and economic development, the development of insurance industry in China has shown the following changes:

Serving the people: from covering a few people to serving the majority.

Service mode: from offline sales chain to online sales mode.

Service depth: from the simple pursuit of scale to the unity of efficiency and service

The above reasons stimulate the business development of the insurance industry to transform from traditional to internet, so the application of electronic signature is widely used in various business signing scenarios of the insurance industry, such as:

1) Online Remote Insurance

Submit an application for insurance online: the insured can apply for insurance online after selecting the corresponding insurance types through the Internet e-commerce platform and submitting their identity information. The background receives the insurance application and reviews it.

Online generation of electronic insurance policy: By calling the contract lock interface, the platform can generate online electronic insurance policy, fill in the applicant information, and affix the electronic seal of the insurance company.

Online signing and filing of policy: After receiving the electronic policy, the insured must carry out real-name authentication before being authorized to sign the policy.

2) Sign the insurance offline

Mobile insurance: after the insurance company realizes the electronic receipt of the policy, the insured can submit the insurance information through various mobile terminals such as APP and WeChat applet. After background audit, with the help of the electronic signature of the contract lock, the electronic insurance policy can be signed online.

Electronic receipt: After the insured completes the electronic policy submission, physical examination and other processes, the insurance company can send the electronic policy receipt after comprehensively evaluating the insurance information and confirming that it meets the insurance eligibility, and the insured can view it in real time through SMS, WeChat push and other means.

3) Application extension

Electronic signing of insurance brokers: With the electronic signing function, insurance agency agreements can be sent to many people in batches, which is faster and more efficient, and provides convenience for the internal marketing team management of insurance companies.

Online sending of internal official documents of insurance enterprises: By sending important internal official documents and notices online, recipients can check and sign for confirmation in real time, thus improving the arrival rate and timely rate of internal information notices.