Question 1: Why didn't you find product X in official website?
Similar problems are:
Why are the products I saw in official website/official APP different?
Why are the additional risks in official website different?
etc
Actually, this is normal. Different sales channels will have some differences in product form, but the most important basic guarantee is still the same.
Give a chestnut: for example, enjoy e-life:
Official website has flagship edition, proton heavy ion edition and special edition (including proton heavy ion guarantee).
In the official version of APP, Japan has flagship version, proton heavy ion version and cancer medical version.
The version on Alipay is 20 17 non-flagship version.
The versions on the I cloud platform include proton heavy ion version and special version (including proton heavy ion protection).
It is very normal that different channels cooperate and the specific forms of products are different. Even the products sold by official website and the official APP are not exactly the same. If you want to go to the Japanese medical package, you can only go to the official APP to buy it.
Take action:
Check the official website
Go to the website of China Insurance Regulatory Commission and have a look.
Call customer service
There is always a way to find this product and verify the specific information of this product.
Question 2: Why is Internet insurance so cheap?
Some friends will ask: Why are Internet insurance products so cheap? Is it because there are many loopholes in the terms?
This should start with the composition of premium. First of all, let's take a look at what we have done with our hard-earned premiums:
We can see that the operating costs of insurance companies are actually supported by our premiums. The more insurance companies advertise, the bigger the brand, the higher the operating cost and the higher the premium price.
(Secretly, there are many offline agents in big insurance companies. To support these agents, the expenses of insurance companies are also very large, and this part of the expenses is also included in our premiums. )
There is a common phenomenon in internet insurance: the company brand is not loud enough.
First, these insurance companies have limited investment in advertising, which can reduce operating costs and thus lower product pricing;
Second, the most effective way for these "small insurance companies" to seize the market and gain a place is to raise the predetermined interest rate as much as possible, that is, to reduce the premium, so as to enhance the competitiveness of insurance products.
This is a very common commercial means, and it is not difficult to understand. Therefore, the prices of Internet insurance products are generally low, just to seize the market quickly, not the so-called "many terms".
Question 3: Is Internet insurance formal?
1. Internet insurance is just a sales channel.
Alipay and WeChat are well-known software, but they are not insurance companies. However, Alipay has Ant Financial and started selling insurance. Wechat launched micro-insurance and also sold insurance.
Therefore, Ant Financial and Micro-insurance also belong to the Internet sales platform.
Other third-party Internet insurance sales platforms are the same in nature. Just because the business scope is limited to insurance, I usually have less contact and don't know much about it, so I will have some concerns.
2. No matter what platform is purchased, the responsible party is still the insurance company.
Whether you buy insurance on Ant Financial, Micro-insurance or other third-party internet insurance platforms, it is only for sales, and the insurance company is the person who ultimately underwrites, underwrites and claims.
You can understand that the third-party platform is equivalent to an "insurance agent", except that the agent only sells the products of his own company, while the third-party platform will cooperate with many insurance companies to sell a wider range of products and provide us with a wider range of choices.
Fill in personal information when buying, as if it were filled in on a third-party platform. In fact, this information is directly submitted to the insurance company, which checks the personal information of the insured, and finally feeds back the underwriting results to consumers through the third-party platform.
In other words, underwriting is underwritten by insurance companies, underwriting is undertaken by insurance companies, policy ownership ultimately belongs to insurance companies, and claims are also paid by insurance companies.
Then what are you worried about? "Will this platform close down? What about our insurance policy after bankruptcy? " Dear friends, you can relax. Even if the platform goes bankrupt, your insurance policy is still in the insurance company, and the insurance company will still fulfill its protection obligations as usual.
As for insurance companies,
Will it go bankrupt: The insurance law stipulates that insurance companies with life insurance business are not allowed to go bankrupt.
Can you afford it? Yes, you can. Every insurance company has solvency disclosure. If it is less than 100%, the CBRC will take over the supervision. The solvency adequacy ratio can be found in insurance companies in official website or official website, insurance association of china.
Step 3 set out
Check the record.
We can check the registration of various Internet platforms in official website and insurance association of china. As long as there is a record, it is a formal platform approved by the insurance industry association and supervised by the China Banking Regulatory Commission.
Even if you haven't heard of these platforms before or don't know much about them, you can rest assured.
Quote from: network link
Satisfied, please adopt!