<section ><section ><br /></section></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FaqibLpHUEczsFrIkCIO3BPv6Mtr4hI3ryuSh1SJXedGjRyOp7GB3ofaZVwLkrvI41Uv8fEcnxiadG6GLoLMGUwqg%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/aqibLpHUEczsFrIkCIO3BPv6Mtr4hI3ryuSh1SJXedGjRyOp7GB3ofaZVwLkrvI41Uv8fEcnxiadG6GLoLMGUwqg/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></section><section ><span ><br /></span></section><section ><span >大家好，我是保爷。</span><br /></section><section ><span > </span></section><section ><span >不知道大家在早些年第一次网购<span style="color: gray">（如淘宝）</span>时，是否有过忐忑不安的感觉。</span></section><section ><span > </span></section><section ><span >但至少在零几年保爷初次网购电脑时，确实是有点担心。</span></section><section ><span > </span></section><section ><span >别的不说，大几千块扔出去，几天内又看不见、摸不着产品是很容易让人焦虑的。</span></section><section ><span > </span></section><section ><span >哪有在线下电脑城购买电脑，一手交钱、一手交货来得安心。</span></section><section ><span > </span></section><section ><span >当然了，也得承认现在的环境不比当年，</span></section><section ><span > </span></section><section ><span >在电商环境潜移默化的影响下，即便是新手也敢直接“上路”了。</span></section><section ><span > </span></section><section ><span >但对于某些产品，很多人现在还是不习惯在网上买，比如——<strong>保险</strong>。</span></section><section ><span > </span></section><section ><span style="color: rgb(33, 89, 103)"><strong>为什么互联网保险没能呈现出压制线下保险之势？</strong></span></section><section ><span > </span></section><section ><span >说到这点，不能不提我们经常说到的“<span >广大</span><span ></span>线下保险代理人”。</span></section><section ><span > </span></section><section ><span >这个“广大”代表什么样的规模，大家可能没有意识到。</span></section><section ><span > </span></section><section ><span >保险代理人制度由友邦保险在1992年引入中国后，</span></section><section ><span > </span></section><section ><span >截至2018年底的数据，我国已经有<strong>871万</strong>保险代理人。</span></section><section ><span > </span></section><section ><strong><span >这意味着什么？</span></strong></section><section ><span > </span></section><section ><span >即便这近千万的代理人素质良莠不齐，</span></section><section ><span > </span></section><section ><span >但他们能提供的“服务”暂时是线上无法代替的。</span></section><section ><span > </span></section><section ><span >因为<strong>投保互联网保险是一个主动的过程</strong>，</span></section><section ><span > </span></section><section ><span >需要投保人对保险有一定的理解能力，过程中有一些疑问需要自己去了解，有一定保险基础后才能下手。</span></section><section ><span > </span></section><section ><span >而<strong>投保线下保险是一个被动的过程</strong>，</span></section><section ><span > </span></section><section ><span >过程中代理人可以把投保人安排的明明白白，不需要投保人费太多脑筋，服务相当周到。</span></section><section ><span > </span></section><section ><span >虽然互联网保险也有服务人员，但通过文字和语音来解释复杂的保险问题，</span></section><section ><span > </span></section><section ><span >对比线下代理人可以面对面直接解释，有着天然的弱势。</span></section><section ><span ><br /></span></section><section ><span >代理人的运作、保险公司资源的有意倾斜，这都是线下保险没有势微的原因。</span></section><section ><span > </span></section><section ><span >而这无形中也筛选出来两类投保人：</span></section><section ><span > </span></section><ul ><li><p><span style="color: rgb(136, 136, 136)">一是对保险不了解，只想通过代理人推荐来决定保障的人群；</span></p></li></ul><section ><br /></section><ul ><li><p><span style="color: rgb(136, 136, 136)">二是对保险有一定认知，自己研究不怕麻烦，找到更有性价比的保险产品。</span></p></li></ul><section ><br /></section><section ><span >所以只要第一类投保人一直存在，线下保险在未来一段时间都会活得很好。</span><br /></section><section ><span ><br /></span></section><section ><span >至于“<strong>网上买保险靠谱吗？</strong>”这类问题，</span></section><section ><span ><br /></span></section><section ><span >其实是消费者成为第二类投保人之前的一大顾虑。</span></section><section ><span > </span></section><section ><span >其实在保爷看来，只要自己认可，能搞明白保险，那就靠谱。</span></section><section ><span ><strong> </strong></span></section><section ><span ><strong>因为无论在线上还是线下买保险，都是在跟保险公司签保险合同。</strong></span></section><section ><span ><strong> </strong></span></section><section ><span >网上买保险并不是和个人或者其他组织<span style="color: gray">（非保险公司）</span>签合同，</span></section><section ><span > </span></section><section ><span >线下买保险也不是和代理人或其他机构<span style="color: gray">（如银行卖的保险）</span>签合同。</span></section><section ><span > </span></section><section ><span >所以互联网保险只是在借助互联网渠道销售而已，</span></section><section ><span > </span></section><section ><span ><strong>我们真正买的都是保险公司的产品。</strong></span></section><section ><span > </span></section><section ><span >保爷觉得只要保险适合自己，在线上或线下买不应该成为买保险的一大考量因素。</span></section><section ><span > </span></section><section ><span style="color: rgb(33, 89, 103)"><strong>说了这么多，那在线上和线下买的保险有没有差异？</strong></span></section><section ><span ><strong> </strong></span></section><section ><span ><strong>有的。</strong></span></section><section ><span ><strong> </strong></span></section><section ><span >因为不同的行业对不同的销售渠道都有不同的产品策略。</span></section><section ><span > </span></section><section ><span >保险业也是如此。</span></section><section ><span > </span></section><section ><span >就像华为手机，它是做运营商定制机起家，一直在线下默默耕耘。</span></section><section ><span > </span></section><section ><span >但随着互联网手机行业<span style="color: rgb(127, 127, 127)">（如小米）</span>的兴起，</span></section><section ><span > </span></section><section ><span >华为为了应对互联网手机浪潮，适时推出了针对互联网渠道的产品系列——荣耀。</span></section><section ><span > </span></section><section ><span >而互联网渠道的产品相对线下渠道的产品的区别是什么？</span></section><section ><span > </span></section><section ><span >相信大家都知道，核心区别就是<strong>性价比</strong>。</span></section><section ><span > </span></section><section ><span >所以大家能看到，专供线上的产品都会比线下产品便宜很多。</span></section><section ><span > </span></section><section ><span >保险产品也是这样，线上保险绝大多数都比线下保险便宜划算。</span></section><section ><span > </span></section><section ><span >这就是线上线下最大的差异。</span></section><section ><span > </span></section><section ><span >当然了，其他差异也有，例如线上保险产品一般都是单品销售，线下产品大多捆绑销售等。</span></section><section ><span ><br /></span></section><section ><span style="color: rgb(33, 89, 103)"><strong>但有些朋友对线上保险疑虑不止于对“便宜没好货”的担心。</strong></span></section><section ><span > </span></section><section ><span >例如之前有个年纪较大的粉丝问保爷，大意是：</span></section><section ><span > </span></section><section ><span >会不会有骗子冒充保险公司，伪造出一个虚假的保险产品拿来骗人。</span></section><section ><span > </span></section><section ><span >其实是因为线上保险很少会打广告，比起线下<strong>平x福</strong>、<strong>国x福</strong>的名气根本没法比。</span></section><section ><span > </span></section><section ><span >大家有这样的顾虑无可厚非。</span></section><section ><span > </span></section><section ><span >对此，保爷可以给有这些顾虑的朋友出个主意：</span></section><section ><span > </span></section><section ><span ><strong>直接去银保监会查对应保险产品的备案信息</strong></span></section><section ><span > </span></section><section ><span >流程如下：</span></section><section ><br /></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FaqibLpHUEczsFrIkCIO3BPv6Mtr4hI3ry0rkWM4HQvQtAVPoN2NevNdE6768IxNPGhZCOU2Ue4T6P8picE2cFuqA%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEczsFrIkCIO3BPv6Mtr4hI3ry0rkWM4HQvQtAVPoN2NevNdE6768IxNPGhZCOU2Ue4T6P8picE2cFuqA/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section ><br /></section><section ><span >因为保险都要经过保监会备案批准才能进行销售。</span></section><section ><span > </span></section><section ><span >所以只要能查到保监会的备案信息，那保险就是切实存在的。</span></section><section ><span > </span></section><section ><span >这里要注意，很多保险的销售名称和条款名称并不相同，<strong>查询时要以条款名为准</strong>。</span></section><section ><span > </span></section><section ><span >比如线上口碑还不错的<strong>超级玛丽2020Max</strong>重疾险，条款名是<strong>信泰及时雨（2020）</strong>。</span></section><section ><span > </span></section><section ><span >还有一点要注意，保监会官网不会实时更新保险备案信息，尤其是2-3月内发布新品。</span></section><section ><span > </span></section><section ><span >如果搜不到又拿不准，保爷建议直接拨打对应保险公司电话，询问旗下有没有这款产品。</span></section><section ><span > </span></section><section ><span >再说最后一点大家网上买保险时可能产生的顾虑，就是：</span></section><section ><span > </span></section><section ><span style="color: rgb(33, 89, 103)"><strong>网上买保险不像线下买会给我纸质保单，万一出险不让理赔，我有什么凭据保护自身利益？</strong></span></section><section ><span > </span></section><section ><span >这点其实真的不用担心，虽然网上买保险没纸质保单，但是有电子保单啊。</span></section><section ><span > </span></section><section ><span >根据我国《合同法》规定，电子保单也是合法合同的表现形式之一。</span></section><section ><span > </span></section><section ><span >所以<strong>电子保单有着和纸质保单同样的法律效力</strong>。</span></section><section ><span > </span></section><section ><span >如果非要纸质保单，也可以打电话给保险公司的客服申请邮寄纸质保单。</span></section><section ><span > </span></section><section ><span >因为即便是我们线下买保险后拿到的纸质保单，也是由电子保单打印出来的。</span></section><section ><span > </span></section><section ><span >在这一点上不用过多纠结。</span></section><section ><span > </span></section><section ><span >对于保险公司来说，保险无论在哪里买、是电子保单还是纸质保单都是没有区别的。</span></section><section ><span > </span></section><section ><span style="color: rgb(33, 89, 103)"><strong >写在最后</strong></span></section><section ><br /></section><section ><span style="color: rgb(26, 26, 26); text-align: start">保险的信息不对称问题太严重，线下保险更是信息不透明的代表。</span></section><section ><br /></section><section ><span style="color: rgb(26, 26, 26); text-align: start">保爷强烈建议大家买保险前先看看懂保爷公众号的评测文章并咨询保爷，能帮你省钱50%避坑100%。</span></section><section ><br /></section><section ><span ><span >如果对保险有疑问，<span style="color: rgb(26, 26, 26); text-align: start">可以留言或者私信保爷（保爷微信：</span></span><span style="color: rgb(26, 26, 26); text-align: start">dongbaoye999）。</span></span></section><section ><br /></section><section ><span >相信保爷一定能给你一些专业的建议，帮你花最少钱买对保险不掉坑！</span></section><section ><br /><span ></span></section><section ><span >相关阅读：</span></section><section ><span > </span></section><section style="text-align: start"><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&mid=2447787672&idx=1&sn=d4e863e865453bcd8d123138b06accc8&chksm=b2b061da85c7e8cc7fe9f61ca3359de7fe28caad3ec7686be0d970547c22beb09c327f51d6b7&scene=21#wechat_redirect" textvalue="为什么强烈不建议你买「返还型保险」？" tab="innerlink" hasload="1" style="color: var(--weui-LINK)"></a><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&mid=2447787614&idx=1&sn=e62a38e3d44b5e2e61c2172d02a31cca&chksm=b2b0611c85c7e80a162070d6133cb47240aa8b26cfd9332b488928534b5ec758c8671f5729f5&scene=21#wechat_redirect" tab="innerlink" style="color: rgb(33, 89, 103)"><span style="color: rgb(33, 89, 103)">没听过的“小”保险公司的产品能买吗？靠谱吗？</span></a></section><section ><br /></section><section style="text-align: center"><span ><span >— </span><strong >END </strong><span >—</span></span></section><section style="text-align: center"><span style="color: rgb(0, 0, 0)"><strong >愿你家的保单永不出险！</strong></span></section><section style="text-align: center"><br /></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_gif%2FaqibLpHUEcztqnW5ErxRUsSSupvmDQOpR7cvW3RU9Mws1r1icYCicxU76ib0MwTia6WhsRd3ddWevK4OJBFpXianxQzQ%2F640%3Fwx_fmt%3Dgif" data-origin="https://mmbiz.qpic.cn/mmbiz_gif/aqibLpHUEcztqnW5ErxRUsSSupvmDQOpR7cvW3RU9Mws1r1icYCicxU76ib0MwTia6WhsRd3ddWevK4OJBFpXianxQzQ/640?wx_fmt=gif" alt="懂保爷测评配图" loading="lazy" /></section><section style="text-align: center"><strong ><span style="color: rgb(33, 89, 103)">懂保爷</span></strong><br /></section><section style="text-align: center"><span style="color: rgb(33, 89, 103)">你朋友圈人脉里的保险专家</span></section><section style="text-align: center"><br /></section><section style="text-align: left"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_gif%2FAa1Vn4VNXulDSG3kLWEFl66JYfFHuibDsZwPP3g5romOwOBrEvLdFjc8VUrEoXpQflzzTumnt8dW6vKFReAyKnA%2F640%3Fwx_fmt%3Dgif" data-origin="https://mmbiz.qpic.cn/mmbiz_gif/Aa1Vn4VNXulDSG3kLWEFl66JYfFHuibDsZwPP3g5romOwOBrEvLdFjc8VUrEoXpQflzzTumnt8dW6vKFReAyKnA/640?wx_fmt=gif" alt="懂保爷测评配图" loading="lazy" /><span > <span style="color: rgb(136, 136, 136)">点击阅读原文，查看</span><span style="color: rgb(33, 89, 103)">保爷精选保险</span></span></section><section label="Powered by 135editor.com" ><section ><br /></section><section style="text-align: right"><section ><p style="text-align: center; color: rgb(63, 62, 63)"><span >如有帮助，帮忙点下</span><span style="color: rgb(33, 89, 103)"><strong >在看</strong></span><span >吧，谢谢！</span></p></section></section></section>
