Insurance Company Quotes Online
Insurance company quotes online insurance is an insurance product that can be obtained online. Not only online insurance brokers or agents who sell various digital insurance products, but online policies are also available. That is, now prospective customers can more easily obtain insurance online.
The Covid-19 pandemic has also opened public awareness of the importance of protecting yourself with Health Insurance and Life Insurance in the midst of a pandemic. By having Health Insurance, customers can still get medical treatment if they fall sick without having to deplete the savings that have been prepared for financial purposes in the future. Because the insurance company will cover the cost of the treatment. Likewise with Life Insurance which will provide compensation for the bereaved family if the breadwinner dies.
Not only increasing awareness of the importance of insurance, the pandemic situation has also encouraged the rise of online insurance , namely insurance that is marketed online through insurance company websites or financial product marketplaces . The presence of online insurance is inseparable from the development of the digital world that changes consumer behavior from those who previously carried out activities directly, to become completely online.
In addition, travel restrictions are also another factor that encourages the development of online insurance . Because online insurance allows customers to have optimal insurance and protection without having to leave the house and have meetings with marketing agents.
Compared to Conventional Insurance
Compared to conventional insurance, online insurance offers several advantages, namely:
1. Easy and fast
In contrast to conventional insurance purchased through marketing agents, online insurance itself can run the transaction process through the website , application, or marketplace . Transactions that take place through gadgets also make the online insurance purchase process without the need for many physical documents. Customers can also fill out documents, attach data, and send forms and data digitally and in real time .
Unlike the case with conventional insurance which requires filling out forms and attaching documents physically. This physical delivery of documents is certainly at risk of being lost on the road or the documents take longer to arrive at the insurance company’s office. This is what makes the online insurance purchase process easier, faster, efficient, and more practical than conventional insurance.
2. Can be purchased anytime and anywhere
Online insurance purchase channels can also be accessed at any time. This allows potential customers to buy insurance anytime and anywhere, even while on vacation, outside office hours, and even on national holidays.
This is different from buying conventional insurance, where prospective customers must make an appointment with marketers if they want to buy insurance. Thus, the time of purchase and consultation is limited to the availability of time from both parties.
3. Document safe
Because all documents are stored digitally, the data and documents of prospective customers are stored neatly and securely on the insurance company ‘s server . Unlike the case with conventional insurance purchases, where forms and documents are at risk of being scattered or lost while traveling. Digital data storage also makes it easier for Customers to update data.
4. The submission requirements are simpler
Because Insurance company quotes aims to reach a wider market, it is not surprising that the requirements for applying for online insurance are simpler than applying for conventional insurance. Online insurance generally does not require prospective customers to do a medical check-up first. This is different from conventional insurance which requires medical check-ups for prospective customers who reach a certain age.
Although the terms of purchasing insurance online seem simpler, you still need to fill out the form honestly. Тhіѕ іѕ еѕpесіаllу truе whеn іt сοmеѕ tο your health condition before having health insurance. Filling out the form honestly will prevent you from losses in the future, as the insurance company refuses to pay the claim because it considers the information you fill in the form to be dishonest.
5. Easier to make a claim
Online insurance generally provides an online claim submission channel as well. This makes the claim submission process easier, faster and more effective. Online claim submission allows customers to focus on treatment, without the need to set up a special time to send and prepare forms and physical complementary documents to the insurance company.
With an easy online process , automatically the entire period of the claim submission process until the insurance company pays the claim will also be shorter. Thus, the Policy Holder can benefit from the claims he submits more quickly. Generally, the insurance company will pay the claim submitted by the Customer with an estimated time of 14 days after the form and complete documents are received.
6. Premiums are more affordable
Because online insurance aims to reach a wider market, the premiums offered are also more affordable than conventional insurance. But you also need to remember, the premiums paid are always directly proportional to the benefits you receive.
Considering that online insurance premiums are more affordable, the benefits or benefits offered by online insurance are generally not as large as those offered by conventional insurance. High benefits and compensation can mean that the risk that must be borne by the insurance company is also higher. Thus, the insurance company will do full underwriting in accepting or rejecting the insurance application letter. This full underwriting process does not apply to online insurance.
Protect Yourself with Insurance
If you currently want to protect yourself with insurance, but want a practical and fast process, then Insurance company quotes online is the right solution for you.
Let’s protect ourselves and family, now and in the future!
It’ѕ nоt аbоut hоw muсh lіfе іnѕurаnсе уоu nееd, but hоw muсh уоur fаmіlу nееdѕ іf уоu аrеn’t hеrе.