Buying Clothes Online Is Becoming More And More Popular.

You can buy clothes, shoes and hats and cosmetics on the Internet, and if you can buy insurance products from the Internet, do you have any doubts?

60 percent off discount, accident insurance with a minimum cost of only a few yuan, will you choose it?

Industry insiders suggest that internet purchase accident insurance is different from buying insurance through other channels. The insured should carefully read the terms and choose the goods after three.

Exergy online shopping Accident insurance has become a trend

Near the "eleven" golden week, the number of people going out to play has increased, and the purchase of accident insurance through the Internet has attracted people's attention.

In fact, reporters found that e-commerce in recent years platform With the gradual improvement, insurance companies have begun to form a certain scale for network sales insurance, and have launched corresponding insurance plates on their own official websites. The majority of insurance companies provide is the network self help purchase of accident insurance.

"Because the accident insurance is not required for physical examination, the terms are relatively simple. Therefore, compared with the traditional insurance policy, online insurance procedures are more convenient and faster, and are generally popular with outbound travelers. According to last year's data, the proportion of consumers in telephone and Internet insurance increased to 8% from 3% in the past year, the largest increase in sales channels, and the number of consumers insured through the Internet is also on the rise. China Ping An Insurance Company Limited related people said so.

Direct online shopping insurance is the most reliable.

Buying accident insurance online is more obvious than other channels. Cheap 。

On the website of a large domestic comprehensive insurance company, the reporter saw that an ordinary travel accident insurance can be hit 60 percent off, and only need 9 yuan, it can add an unexpected death and accidental medical insurance for his outing to 120 thousand yuan.

Meng Jingjing, a lecturer in the Training Department of Liaoning branch of the United Life Insurance Company, said that for insurance companies, they could not only reduce the operating costs of insurance companies, but also promote insurance sales and service electronization, save sales and management time and so on, because they no longer need to be subject to intermediaries' restraint. They can also choose high-quality customers by themselves. For consumers, they can enjoy more preferential treatment on the basis of the provision of discount rates, which is a mutually beneficial and win-win process for both the insurance companies and consumers.

At the same time, reporters also noted that on the Internet selling insurance websites, there are various insurance companies' official website, and there are also some insurance agent websites. "There are no problems with the online sales platform launched by general large insurance companies, but if it is a sales platform of agent nature, it needs to see the qualifications of websites and agent merchants, and suggests that customers can directly choose the official website direct selling mode of insurance companies to purchase." Sunshine life Liaoning branch manager Liu said.

Clear the liability clause and avoid disputes.

In fact, on the website of the insurance companies, the reporters saw that in the web pages for buying insurance through the Internet, the exemption clauses and the options that the customers need to focus on should be marked with a bold font and color to attract customers' attention.

In response, Meng Jingjing, lecturer of the Liaoning branch of the United Life Insurance Company, explains that the online insurance policy provides electronic insurance policies to customers. According to the eleventh provision of the People's Republic of China contract law, data message is a legal form of contract, and electronic policies and paper insurance policies have the same legal effect. Customers need to pay attention to the risk: whether the products purchased through the Internet are the products provided by the formal insurance companies; whether the personal information is confidential will not be disclosed; whether the payment cost is safe when buying products, and whether the corresponding normal after-sales service can be obtained.

In addition, it is better to see the terms before the insurance is online, especially in the absence of liability, so as to avoid disputes when claims are made.

Traveling to buy insurance saves money.

What kind of accident insurance do you travel to save time and money, and to ensure a comprehensive protection?

In fact, choosing a reasonable combination of accident insurance and paying attention to the types of accident insurance will achieve twice the result with half the effort.

Internet purchase accident insurance saves money and saves worry.

Meng Jingjing, training lecturer of Liaoning branch of United Life Insurance Company

According to statistics, as of the end of 2009, there were 32 insurance companies in the country developing Internet sales, and the net premium income was 7 billion 770 million yuan.

The cost of online insurance is much cheaper than that of ordinary agents. The lowest price of tourism accident insurance products is only a few yuan. Not only is personal Internet insured, but now some areas are starting to use online travel insurance system.

Network protection time: rich products, looking for products like shopping mall is simple, do not need home insurance companies call to consult. Product information display professional objective: to avoid the subjective interference of insurance agents. As for self-help decisions, just click the mouse, the products can be seen, and many products will be selected. Convenient purchase process.

100 yuan accident insurance one vote in the end

Sunshine life Liaoning branch Liu Hongbo

Insurance companies have launched comprehensive accident insurance products, which are one year effective accident insurance, covering all kinds of accidents, including accidental injury, accidental medical treatment, accident allowance, self driving accidental injury, automobile passenger accidental injury, rail vehicle passenger accidental injury, ship passenger accidental injury, and aircraft passenger accidental injury.

The cost of such accident insurance in the market is only about one hundred yuan. If customers usually travel in a range of aircraft, roads, cars, trains and so on, then buying such insurance can meet the demand and do not have to "cram" before going on a long vacation. This saves time and increases the scope of protection.

Exclusive travel insurance for different needs

China Life Insurance Company, Liaoning branch, Zhao Jingli

In fact, different ways of traveling: different routes of travel, there are already domestic insurance companies to subdivide their insurance contents. If customers travel during long holidays only involves one category, they can only purchase their exclusive accident insurance products, so the protection is more targeted.

At present, self insurance tours, self driving tours, outdoor sports and overseas travel have exclusive accident insurance options, while the emphasis of protection is different. For example, outdoor sports involve coverage of high-risk projects, which can avoid the loss of ordinary accident insurance. Most overseas insurance companies have launched 24 hours of overseas emergency rescue services with SOS and other overseas rescue agencies. Once the customer is out of danger, he will contact the relief agencies which are working with the insurance company. The rescue company will provide a one-stop service, including treatment and rescue, arranging family members to visit abroad, etc., and can advance the hospitalization expenses in advance.

And customers who purchase exclusive directional accident insurance products should consult corresponding insurance companies in advance to make advance planning for travel. Newspaper reporter Wang Yuelin

China Merchants Bank's "happy partner card", so that your baby love money from childhood.

In July 30th, China Merchants Bank officially issued a children's one card smart card.

The aim is to help children develop "financial intelligence", enhance their awareness of financial management, and let your baby become "little Buffett".

The card is the Bank of China Standard for "one card" debit card issued by China Merchants Bank for children under 16 years old. It can establish parent child relationship with parents' one card card, and can set up pocket savings plan. After the parents' "one card" and their children's "happy partner card" establish parent child relationship at the China Merchants Bank counter, they can flexibly turn each other through online personal bank public edition, self-help inquiry terminal and other channels. Parents can also set up the "pocket money savings plan" for their children through the counter or online personal banking professional edition, requiring the bank to transfer accounts to their children's "happy partner card" automatically on the designated date, and transfer to the account, including demand, storage, acquisition, zero deposit, and education savings.

At the same time, the "happy partner card" was recruited. Cardholders and their parents also provided an Internet family interactive financial intelligence education platform "magic intelligence". After the children and their parents are registered as Netcom users, parent child interaction can be carried out in the "magic financial intelligence" component. Children can make a wish to parents through this component, parents can see their children's latest developments, set goals for their children's wishes, fulfill their children's wishes, check their children's accounts, specify the magic bean accumulation plan, exchange plan for their children, confirm the accumulation and exchange request of magic beans, and also exchange experience in financial education with parents' reunion and other parents.