The validity of the claim is the same, but if you encounter a letter of credit, you still need paper documents, and the letter of credit may require the number of original copies of the policy, so you need to pay attention.

Electronic insurance policy refers to the electronic documents issued by insurance companies to the insured in the form of data messages to prove the contractual relationship of commercial insurance. It is an electronic substitute for paper insurance policy.

The Insurance Law, the Contract Law and the Electronic Signature Law stipulate that electronic insurance policies and paper insurance policies have the same legal effect:

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".

Electronic insurance policy and paper insurance policy have the same effect of insurance claims. The claim standard has nothing to do with the policy type; The focus of claims is whether the information needed for claims is complete; Whether it is an electronic policy or a paper policy, the insurance contract will clearly inform the claim conditions and procedures.