Ant Insurance is actually a third-party sales platform established by Ant Financial and various insurance companies, which is more reliable. The products sold are all in cooperation with relevant insurance companies, and they are all registered products of CBRC. The quality of the product has little to do with the word "Alipay", the most important thing is to look at the product itself.

Ant Insurance is an Internet insurance service platform under Ant Financial. Since its establishment in 20 14, Ant Financial has established cooperative relations with more than 100 banks, more than 60 insurance institutions and more than 40 funds and securities. It is a powerful financial service group. From this point of view, the ant insurance platform has strong background support, which can ensure the safety and reliability of the platform.

At present, the mainstream insurance companies in the market have settled in the ant insurance platform. The types of insurance products include auto insurance, accident insurance, health insurance, travel insurance, life insurance and property insurance. And various types can meet the various needs of users.

According to the official description of Alipay, the contracts signed on the Ant Insurance Platform are true and valid, and the insurance company will bear the corresponding insurance responsibilities for the insurance accidents within the scope of the contract.

In addition, after the insurance accident, the ant platform will also help urge insurance companies to fulfill their responsibilities.

Alipay's critical illness insurance is one year. Compared with long-term insurance, cheap is cheap. However, if the product is discontinued or the health status changes, it may affect the renewal of the warranty next year. People are always greasy when they reach middle age. If you have diabetes and high blood pressure halfway, you can't renew your insurance, which also delays buying other long-term critical illness insurance. Therefore, it is no problem for this one-year product to cope with short-term budget shortage and lack of protection. If the budget is enough, try to buy long-term critical illness insurance.

Short-term critical illness insurance is cheap, but this product just looks cheap. Unlike long-term critical illness insurance, which is calculated at a balanced rate, one-year products basically adopt natural rates. In other words, prices will change with age. Although it was cheap when I was young, it will become more and more expensive in the future.