Hello friend, Alipay is a large platform, and the insurance products and insurance companies that can be sold on it are guaranteed. Moreover, online insurance and offline insurance are similar, but The insurance channels are just different. As long as you are in danger and meet the compensation standards, you will definitely be compensated, and it is easier online.
Then Dad will explain to you whether online insurance is reliable and whether Alipay’s representative products are good for medical insurance: 1. Is online insurance reliable?
1. China Banking and Insurance Regulatory Commission
Before answering this question, let me give you some knowledge about the China Banking and Insurance Regulatory Commission: The full name of the China Banking and Insurance Regulatory Commission is the China Banking and Insurance Regulatory Commission. It is an institution directly under the State Council and a government agency that regulates the banking and insurance industries.
All information about insurance can be found on it, including insurance company qualifications, insurance contract terms, insurance brokerage companies and insurance practitioners.
So, if you want to check the authenticity of the insurance company, you can check it through the China Banking and Insurance Regulatory Commission, a public institution directly under the State Council.
In layman’s terms, whether you are purchasing insurance from an insurance agent, purchasing insurance on a third-party website, or purchasing insurance on WeChat Alipay. The only difference is the insurance channels. What is ultimately signed is the insurance contract of the insurance company, which is protected and supervised by the law and the China Banking and Insurance Regulatory Commission. So how to read the insurance contract? Dad teaches you: "4 tips to quickly understand the insurance contract!" Reading Skills You Can Learn in 3 Minutes"
2.? Electronic policy = paper policy
Most insurance policies purchased online only provide electronic policies. Some people may think that electronic policies are vague. There is no sense of security. Although it is an electronic insurance policy, it is still an insurance policy in the final analysis, and the legal rules it follows are the same. And if necessary, you can also apply for a paper version of the policy.
So, electronic insurance policies are electronic documents that can be retrieved and used at any time and are protected by law. If you are still worried, go to the official website of the China Banking and Insurance Regulatory Commission or call customer service to inquire.
3.?Policy Management
Dad found that many friends think that "as long as they are insured, they will be 100% protected."
In fact, this idea is wrong. Once an accident occurs or you suffer from illness, if you do not contact the insurance company, the insurance company will not take the initiative to pay the claim. Because insurance companies cannot proactively obtain the living status of the insured.
Many times, I don’t even remember what insurance I bought, and I don’t know if I can make a claim. At this time, policy management becomes particularly important.
4.?Insurance company
The strength and reliability of the insurance company are also a very important decisive factor. Many people worry that if the insurance company goes bankrupt, then what insurance will I buy? what to do? Don't worry, there is still a big brother from the China Banking and Insurance Regulatory Commission supporting you. 1. Introduction to Good Medical Insurance’s 2020 long-term medical insurance
1. Cancer overseas medical insurance (optional)
This responsibility is optional and will be reimbursed at a rate of 70, up to Medical expenses of RMB 2 million can be reimbursed.
2.?New Coronavirus Protection
As long as the insured is diagnosed with severe COVID-19, he or she can receive a one-time compensation of 100,000 yuan. Even with this epidemic, as long as the diagnosis requires treatment, the cost will be borne by the state, but the loss of income caused by the disease and subsequent recovery problems will all need to be paid out of your own pocket. The long-term medical insurance 2020 of Good Medical Insurance is quite good, with an immediate payment of 100,000 yuan if a serious condition is diagnosed.
3.? Adjustment of health notification
In the health notification of Good Medical Insurance Long-term Medical Care 2020, the corresponding health notification is adjusted according to age and gender. Compared with the old version, Good Medical Insurance has stricter health notifications, but compared with the current popular million-dollar medical insurance, it is still relatively loose.
4.? Renewal conditions
HaoMedical Long-term Medical Insurance 2020 is guaranteed to be renewed for 6 years, and the policy can be renewed up to 100 years old.
If the policyholder has made a claim after taking out the product, or has an abnormal health condition, the policy can still be renewed. Moreover, after the product is discontinued, policyholders can renew the policy for new products without requiring health notification, which is currently a relatively advantageous renewal condition. Dad’s summary:
In fact, as long as you purchase insurance products through formal channels, claims settlement will not be a problem, whether online or offline. The problem lies in whether your certificates and information are fully prepared.
Source: Dadabao