First of all, to answer this question, we can first understand why there are restrictions on insurance areas. (For more questions about off-site insurance, click the article link: Is off-site insurance feasible? What should I pay attention to when applying for insurance in different places? )
According to the Regulations on the Administration of Insurance Companies, branches of insurance companies cannot engage in insurance business across provinces, autonomous regions and municipalities directly under the Central Government. If an insurance company does not set up branches in a certain area, it is theoretically impossible to operate insurance business in the local area. The purpose of this regulation of CBRC is to restrict the operation of insurance companies and prevent them from blindly expanding their business, thus failing to serve insured consumers well. So when you ask the customer service of the insurance company, you will generally answer that you can't buy it if you are not in the insurance area.
In fact, because this regulation is a restriction on insurance companies, there is no restriction on consumers.
So it is feasible to insure in different places. As long as everyone is willing, and the insurance company can provide perfect online claims service, the areas that are not displayed on the insurance page can be insured.
In fact, this is a high probability event, because at present, the distribution of insurance companies is very uneven, and a large number of companies are concentrated in first-and second-tier cities and specific provinces, while in Qinghai, Gansu, Guangxi, Guizhou and other provinces, there are very few insurance companies doing business. The best-selling cost-effective Internet insurance products in the market usually cover a limited area. There are a dozen provinces and cities, or maybe only a few provinces and cities. But it doesn't mean that friends from other places can't be insured.
With the development of internet insurance, many problems that once needed to be solved face to face can now be communicated and solved more efficiently through online means. Moreover, in 20 15, the CBRC began to relax the geographical restrictions on the operation of insurance companies, stipulating that products such as personal accident insurance and term life insurance will no longer be restricted by branches and can be sold and served nationwide.
Finally, back to the question asked by the subject, Xueba said that the insurance evaluation can tell you that although insurance companies are not allowed to operate across provinces in principle, if they meet the requirements, it is no problem to apply for insurance in different places by telephone or online.