互联网保险为什么那么便宜?是不是不靠谱?理赔难吗?看看不吃亏

  • 日期:07-16
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近年来,互联网业务发展迅速,互联网保险也迅速发展。有些人发现互联网保险比离线保险便宜得多。它有什么棘手的东西吗?它会影响索赔吗?今天回答这个问题

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由于以下原因,互联网保险更便宜

(1)保险公司运营成本低

许多人最初了解或了解保险。他们中的大多数人都知道他们的亲戚或朋友,以及一些走在街上的保险代理人,保险是什么以及他们能做些什么,从最初的保险代理人的工资,保险营业厅,代理商佣金,广告费等等,发展到今天

这也是由听过保险公司并认为他们是大公司的人造成的。他们从未听说过对小公司的误解。

现在人们了解互联网上的保险产品,让我们看看我们的保费在哪里:

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从上面的图片中不难理解。互联网保险便宜的原因是使用一个口号:没有中间人可以有所作为,但它只是几层代理,但也节省了成本

(2)产品保护内容存在差异

27岁男性,30万重大疾病保险,终身,互联网保险每年还要三四千元,代理商推出的产品不会超过一万多?

这是因为许多离线产品是具有附加功能的产品,例如增加的财务功能(例如股息保险,两种保险,退货保险,万能保险等),其中1/3,剩余2/3为了管理资金,入门自然会更加昂贵(这些产品是否值得在之前的文章中详细撰写,感兴趣的朋友可以看一下);

For example, additional protection, such as the original want to buy critical illness insurance, offline products have increased life insurance protection, or accidents, medical care, etc. the premium will naturally be much more expensive, although it seems that the protection is more, but the weakness of such products we next Period article reanalysis

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The palm of your hand is all meat. It is the same for insurance companies. It will not be executed because the Internet insurance is cheap, and the insurance contract has legal effect. It must be paid in accordance with the legal requirements of the protection content. As for the insurance that everyone understands, it is difficult to understand. It can be understood as rigorous and responsible. In fact, insurance companies are not charitable organizations. There must be certain compensation constraints. However, if you carefully study the contract, you can still understand it, and it is not as difficult to understand as you think.

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(1) Health notifications are filled in truthfully, if there is a past illness, you can choose smart underwriting

(2) Regardless of which platform you buy, you will start after you have a certain understanding of the product

(3) There is usually a 10-15 day hesitation period after purchase. If you are not satisfied, there will be no loss at this time.

(4) Manage the policy and let the family know what to buy. When the insurance is out, it is convenient to report the case.

I hope that today's content can help everyone. If there are other better and more concerned issues, or if you want to correct the situation, click on the private letter, you are also welcome to leave a comment below

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