Commercial medical insurance purchase channels are: With the development of the Internet, a number of domestic online insurance comparison platform. Consumers can check the basic contents of the insurance online as long as they are happy to do so, such as the scope of coverage, the amount of coverage, premiums, statute of limitations and so on. Easily fill in some basic information, choose the type of insurance you want to insure can be completed. Although more and more insurance channels have appeared on the scene, but compared to the traditional agent system still has its advantages. Agents know their own insurance company's products very well, and many insurance companies actively train their agents in financial planning, enabling agents to design better protection programs for customers with different occupations, ages, family structures and other factors. At the same time, another major advantage of choosing to buy through an agent is that you can get after-sales services such as renewal and claims, forming a long-lasting relationship.
If the insurance agent can only promote his own company's products, which are overstated and not objective enough, then the insurance agency can recommend different companies' insurance products, so that consumers can have a comparison, and also analyze the insurance products objectively to better meet the needs of the insured. This kind of horizontal comparison between products gives the policyholder a wider range of choices. This is also the biggest advantage of insurance agents. An agent is an agent of the insurance company and represents the interests of the insurance company, while a broker is an agent of the policyholder and considers the interests of the policyholder. From this point of view, it is easy to see that insurance brokers are more objective than agents or insurance agencies. This makes it easier for the policyholder to find the right combination of insurance policies without being misled by the agent's or agency's preferences. Usually, the insurance sold in banks is savings and participating insurance, which is simple in design and easy for consumers to understand, while health insurance and long term life insurance, which require careful study of the terms and conditions, are seldom seen at the bank counters. It is very convenient to buy insurance in the bank, as long as the insurance contract can be signed on the spot, in the rate is usually lower.