However, it is hard to say whether the insured knows the possible problems and whether it will affect the claim settlement because of misunderstanding of the original insurance clauses. So if it's accident insurance, general medical insurance, auto insurance or something, it's ok to buy it online. However, life insurance, critical illness insurance and high-end medical care still need to consult professionals.
What surprises me most is that the prices are the same. Why not find someone to serve? This is a strange consumer psychology.