Internet Sales Accident Insurance Survey: The same protection of the state life is cheaper than the PICC half

Every reporter Huang Junling from Beijing this year, as the premium rate slowed, insurance net sales became a new channel used by companies.　　But, the new channel product price is different, the consumer best around.　　For example, the simplest cruise insurance, "Daily economic news" reporter to a number of insurance company official website channel sales of products carried out a survey, found that the same amount of coverage, insurance liability, insurance period, the same person in different insurance companies on the official website, the amount of premiums they pay can be one-fold.　　For example, Chinese life official online sales of aviation insurance than the Chinese insurance is half the price. vigorously develop network marketing channels since this year, the insurance company's premium growth has been under pressure due to the regulatory authorities ' moratorium on sales.　　Mr. Yang, who works for a bank in the insurance department, said in an interview with the Daily economic news reporter that the bank's business is not good, and many consumers are unwilling to buy insurance in the banks. With the slowdown in car sales this year and the rise of motor vehicle insurance, some small and medium-sized insurance companies to increase the premiums under pressure. Mr. Wang, a small and medium-sized insurance company, said to the daily economic news reporter that the advantage of electric car insurance is 85 percent discount, the sales staff in the car insurance sales process to convert their business into the business, while some have no electrical sales qualification of the insurance company, because there is no price advantage, a lot of business flows to large insurance companies.　　He also said that the company is applying for an auto-sales license, and plans to vigorously develop the net sales.　　In order to vigorously develop the network sales business, the Chinese Security (02328.HK) opened the E-PICC website, China Life (601628.SH) also in September launched a new 9 products, while the state insurance is the main push online video sales.　　It is understood that nearly 40 insurance companies have opened insurance network sales business, the forecast estimates that by 2020 China insurance industry Electronic self-service channel market share will reach about 20%, the next 10 years domestic insurance network sales at least hundreds of billions of dollars in the market potential to be excavated.　　Products of the same price different "Daily economic news" reporter to several large insurance companies on the website sales of products carried out a survey, with the simplest navigation risk as a sample, the insurance period of 1 years, the insured amount of 800,000 yuan, the same person in different insurance companies to insure the site, the premiums vary greatly.　　If you purchase the e-Accident insurance plan in China Life, the location chooses Beijing, the insured amount of aircraft accidental injury is 800,000 yuan, the insurance period is one year, the premium is 40 yuan.　　And in the PICC on the Internet to buy the same amount insured, the same period of insurance, the same area of aviation insurance, the premium is 88 yuan. For WHO insurance official website sales of the same aviation Italy, but with the Chinese Life Official website price difference is one times?　　Journalists look for reasons in the insurance clauses of these two companies. PICC and China Life insurance liability include: the responsibility of death, disability grade and burn three parts of responsibility, the two companies have the same level of disability assessment and payment standards, as for Burns also need to achieve Ⅲ degree burns, burn area is also according to the new nine division law to determine. That means the sameProducts, the same channel, China Life is more than the cost of PICC insurance half.　　If the e-Shun Vehicle Accident protection Scheme is insured on the website of Taikang Life, only 800,000 of the accident insured will be selected, the insurance period 1 years, and the premium is 36.8 yuan.　　To this end, Taikang Life's official website explained that its protection content, "as passengers on the plane caused by accidental injury death, disability protection", which means that the responsibility does not include burns, so cheaper.　　But in the official website of the election century Anshun accident injury insurance, the premium of 46.08 yuan, insurance provisions of the insurance liability include: death, disability and vehicle accidental burns three parts of responsibility. The reporter also to other company official website sells the aviation Italy to investigate, the safe, the Tai Bao, the Xinhua, the PICC Life insurance, the Life Life insurance company official NET does not meet the same condition the product, therefore does not include the statistics. Share to: