Whether online or offline, it is a legal sales channel for insurance companies. The main sales channels of insurance companies: insurance company agents, insurance company sales departments, banks and emerging Internet insurance platforms. Whether online or offline, it is actually a sales channel. No matter which channel you buy insurance from, you will eventually sign an insurance contract with the insurance company. The insurance clauses are exactly the same and enjoy the same legal effect.
At the same time, no matter which insurance company produces the products, no matter what kind of insurance, as long as the products are on sale, they must be filed with the CBRC.
Small partners who are worried about insurance products can open the website of the China Insurance Regulatory Commission-Services-Filing Product Inquiry, and then find insurance companies to check insurance products.
1. Is an electronic policy the same as a paper policy? According to the relevant provisions of China's contract law and electronic signature law, electronic insurance policies and paper insurance policies have the same legal effect.
Article 11 of Chapter II of People's Republic of China (PRC) Contract Law: "Written form refers to the form that can tangibly express the contents contained in contracts, letters and data messages (including telegrams, telex, faxes, electronic data exchange and e-mails)."
Article 4 of Chapter II of People's Republic of China (PRC) Electronic Signature Law: "A data message that can tangibly express its content and can be retrieved at any time is regarded as a written form that meets the requirements of laws and regulations."
The policy is only a written proof of the insurance contract. Even if the paper policy is lost or the electronic policy is deleted by mistake, it will not affect the effectiveness of the protection.
What if the insurance policy is lost?
You can download the electronic policy again through the insurance company official website, WeChat official account and APP, or call the insurance company's customer service number, and the customer service will send you another copy or an electronic policy.
Or you can use our policy management tool, which can be easily managed in a unified way, so you don't have to worry about forgetting the policy anymore. The function of "Policy Management" is in the public menu bar of our official WeChat account.
2. Will it be difficult to insure online? When an insurance contract is signed, the insurance company must bear the responsibility of claim settlement. No matter which platform you buy insurance from, the claims of all domestic insurance products will not be treated differently, and the insurance clauses will prevail in the end. The essence of insurance is a paper contract. How to compensate, how to compensate, how much to compensate, and how long to compensate have long been written into the contract terms in accordance with regulatory requirements.
All the insurance claims process is: reporting-receiving information-reviewing-claiming.
Before, my senior wrote about the difference between online and offline insurance claims. Interested parties can find out: Is it reliable to buy insurance online? What is the difference between online insurance and offline insurance?
In fact, online claims settlement has gradually become the mainstream. Many people will apply for claims online even if they buy insurance offline, which is more convenient and faster than offline.
There are a few points for attention, senior reminder:
Pay attention to health notification and remember to fill it out truthfully;
Read the terms carefully to see which ones can be compensated and which ones can't;
Report the case in time and keep the evidence;
Go to the hospital within the scope of the policy contract.
Senior sister thinks this trend can also happen in the insurance industry. In fact, as long as the insurance products are good and can meet our protection needs, we sell them offline and buy them online.
There is no difference between various channels, and good products are the last word.