The most important thing about ant insurance is its insurance. Perhaps friends who are quick to act have thought of insurance.
Yes, Ant Insurance is an insurance sales platform of Alipay. If you want to buy commercial insurance, you don't have to go to the operation outlets of insurance companies to buy it. Open the mobile phone Alipay, and you can configure insurance with one move.
But is it reliable to start insurance on Alipay's ant insurance?
Let's take a closer look at what this ant treasure is like!
You can also compare the difference between buying insurance online and offline: "Is it reliable to buy insurance online? What is the difference between online insurance and offline insurance? 》
First, is the ant protection platform reliable?
Ant insurance is credible for the following reasons:
First, the Internet insurance agency service platform belonging to Ant Group started with Alipay and was born in 2004. After a long period of development, it has become the pioneer of the world's Internet open platform. Ant Group cooperates with more than 100 banks, more than 60 insurance institutions and more than 40 funds and securities, and its strength is very strong. Its business covers a wide range, involving common Alipay, Yu 'ebao, Flower Garden and Sesame Credit.
In addition, the insurance products sold on the ant platform are not owned by the platform itself, but products of insurance companies. I bought an insurance product on the ant platform, which is essentially underwritten and settled by an insurance company.
Secondly, all products sold on the platform covered by ants must be filed with the CBRC, which is trustworthy.
In addition, ant insurance has also done a very good job in service. For example, all medical insurance and critical illness insurance products in the "Golden Selection" service of Ant Insurance have been enabled with the "peace of mind" function, and users can use the "peace of mind" method to make intelligent interactive reports, and the pass rate of the first submission of materials has increased from 60% to 90%.
If you look at this article again, you can have a deeper understanding of Alipay Ant Insurance: "Alipay Ant Insurance is so cheap, is it really reliable?" An analysis! 》
2. What are insurance agencies and insurance brokers?
As an Ant Insurance Agency Co., Ltd., Ant Insurance is a national professional insurance agency approved by the China Insurance Regulatory Commission, which sells products provided by insurance companies. The registered capital reached 50 million yuan.
In addition, in Ant Insurance official website, we can inquire about the insurance agency business license information disclosed by it:
It fully shows that Ant Insurance Agency Co., Ltd. can be said to be formal and legal, and we don't need to worry.
Ant insurance can cooperate with many insurance companies to sell all kinds of insurance. There are many kinds of insurance products, including auto insurance, accident insurance, health insurance, travel insurance, life insurance and property insurance, which are suitable for various needs of users.
There are not only insurance agencies but also insurance brokers in the insurance industry, both of which are insurance intermediaries. The difference is that insurance agencies sell insurance products for insurance companies, sign insurance contracts and collect premiums. Insurance brokerage companies mainly accept clients' entrustment to provide clients with full-process services such as risk management, insurance arrangement and claim settlement.
Third, how to buy insurance on the ant platform?
The process of ant insurance is as follows:
Open the mobile phone Alipay smoothly, find Ant Bao in the application center or search for Ant Bao in the search box on the homepage, click the product on the Ant Bao page, select the appropriate product, click the product name to enter the product details page, and after reading it, if you want to configure this product and confirm the insurance information, you can click I want to insure. If you want to buy health insurance, you can take a good look at the insurance information after confirming that there is no problem with the health notification and understanding the exemption clause, and then pay for it.
In fact, the process of buying insurance on many online platforms is similar to this, and tips are usually given, but we need to carefully check the terms, insurance instructions, health advice, exemption clauses and so on. All these will have a certain impact on our interests, so we should pay more attention.
Individuals should apply for insurance according to their actual situation. Different age groups need to buy different products. Adults are usually the mainstay of the family economy, so they must be provided with comprehensive protection. It is better to insure critical illness insurance, millions of medical insurance, accident insurance and life insurance. Old people and children have no financial responsibility and are not suitable for buying life insurance. Old people and children are more prone to diseases and accidents, so they need to buy critical illness insurance, medical insurance and accident insurance.
Fourth, the insurance platform ranking!
Alipay is actually an influential insurance platform in the insurance industry. The company has strong strength and thoughtful service.
However, when we start to insure, we can't just pay attention to the reputation of the insurance platform. To choose an insurance platform, we must first know whether the platform has an insurance license, whether it can guarantee thoughtful service, whether it can be objective and open, and how many products it has.
This paper summarizes the key points of how to judge a good insurance consulting platform, which can be collected and read slowly: "A good insurance consulting platform must meet three requirements, otherwise it will be difficult to settle claims! 》
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
If the above content has not solved your problem, you can also come to the official account of WeChat to learn to bully and say that insurance consulting me;
I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
WeChat official account: Xueba said that insurance costs less, buy the right insurance!