As a tangible product, insurance itself only gets an insurance contract after paying a large premium. However, now, this contract has become an electronic version and cannot be touched. So, there is this problem. Is the electronic insurance policy reliable?

Yi said, of course it is reliable, of course it is not authoritative. Therefore, please look at the following laws:

Article 13 of the Insurance Law stipulates that "an insurance policy or other insurance certificate shall specify the contents of the contract agreed by both parties. The parties may also agree to clarify the contents of the contract in other written forms ";

Article 1 1 of the Contract Law stipulates that "written form refers to forms that can tangibly express the content, such as contracts, letters and data messages (including telegrams, telex, faxes, electronic data exchange and e-mails)";

Article 4 of People's Republic of China (PRC) Electronic Signature Law stipulates that "a data message that can tangibly express its contents and can be retrieved at any time shall be regarded as a written form that meets the requirements of laws and regulations".

Now, know that the electronic insurance policy is reliable!

Electronic insurance policy is also an insurance policy, just like your uncle will always be your uncle, but this insurance uncle is more fashionable and is also catching up with the wave of Internet addition!

According to statistics, in 20 16, the scale of online insurance reached 234.7 billion yuan, an increase of nearly 74 times compared with 3.2 billion yuan in 2010/year. The types of internet insurance are also constantly enriched. Long-term and complex products such as critical illness insurance and life insurance are being sold, and innovative products such as freight insurance and mobile phone broken screen insurance are constantly being introduced, which makes Internet insurance recognized by more and more consumers.

Internet insurance has developed so rapidly because of its obvious advantages:

The product is cost-effective. Internet insurance directly connects insurance companies and customers by e-commerce, which greatly saves intermediate links and channel fees, so the cost performance of Internet insurance products is generally high. (that is, the premium is cheaper)

Fit the scene and meet the needs of customers. Traditional insurance sales mainly rely on agents' opinions, while internet insurance can stimulate customers' needs through specific risk scenarios. For example, when consumers are worried about plane accidents when buying air tickets, they will buy aviation insurance; When shopping in Taobao, you will worry that the goods are not satisfactory, and the freight insurance came into being. This demand inspired by specific scenarios is more natural and easier to clinch a deal.

Of course, Internet insurance is not without its drawbacks:

The most important thing now is that the types of Internet insurance products are not rich enough, and the penetration rate of traditional products is not high, especially the number of products such as life insurance and serious illness is far less than offline. Therefore, our platform is also short-term insurance, welcome to buy!

Whether it is an electronic insurance policy or a paper insurance policy, in the final analysis, it is an insurance policy. There is no difference between claims settlement and other services, so there is no need to entangle this issue too much.

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Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.