Insurance and critical illness health insurance can be purchased through online insurance1 . Especially during the alert period of the epidemic, many insurance needs are still limited by legal regulations, and face-to-face services must be performed on-site, which also causes unnecessary contact risks for operators and consumers. Even if the video interview is open, the whole process still needs to be videotaped and handed over to the Financial Supervisory Commission, which makes the review process more lengthy.
At the same time, it also involves third-party testing for parts such as physical data, which affects the protection of personal information privacy. "For photo restoration service example, if a family of four wants to go out to play, if the child is over 7 years old and under 20 years old, the parents cannot purchase travel insurance or accident insurance for him online." The predicament explained that if there is no natural person certificate, the insured and the insured must be the same person, and there is also an age limit. Only an adult who is over 20 years old can apply for insurance.
Even the deceased beneficiaries are limited to the immediate blood relatives, spouses and legal heirs, such as collateral blood brothers and sisters or cohabitants cannot be the beneficiaries. IMG_7045 Li Yahui, manager of Ding Peng Baojing Li Yahui explained that because the insured is limited to natural persons, "the company cannot insure employees. If you want to travel in groups, you still have to ask a salesperson to help you in person." Even the total annual premiums paid for each property insurance policy is also limited to 100,000. within the yuan.