The development of technology enables various industries to use digital platforms to market their products. The insurance industry is no exception. In the past, someone had to buy insurance face-to-face with a marketing agent, so nowadays anyone can buy insurance online .
For insurance companies, providing insurance sales channels online also brings various benefits. One of them is expanding the marketing reach of insurance companies. By selling insurance online , insurance companies can now offer their products to areas that were previously inaccessible to marketers or agents.
Although buying insurance online is easy, keep this in mind
Buying insurance online clearly offers convenience for you. By buying insurance online, you don’t need to allocate time specifically to meet with salespeople. The underwriting process is usually faster because online insurance participation requirements are usually simpler.
But just like buying a product, online insurance enthusiasts must be proactive in seeking information. Before buying insurance online, you should have a good understanding of the product you want to buy. At the very least, you need to understand the terms that are commonly used in insurance policies. So, you still need to digest the information submitted in the digital format offer documents.
Interested in having insurance products through digital channels? If yes, consider the following tips so you can get coverage products that fit your needs and financial capabilities.
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1. Calculate your protection needs
This is important to determine the benefits of health insurance or life insurance coverage (UP) you want to buy. If you want to get protection from health risks that can befall in the coming days, then the first thing you have to do is determine what benefits you need. If you want life insurance, then you can immediately determine how much UP is needed for your beloved family if you face the risk of death.
2. Compare various insurance products online
Nowadays, many insurance companies offer their products online . Therefore, it is probable that the protection benefits you are looking for are offered by more than one insurance company. To get insurance products that best suit your needs, you can examine the benefits offered by each insurance product. Then, you can check the premiums you need to pay according to the benefits you want by using a simulation calculator on the insurance provider site. With this feature, you will be easier to calculate the ratio between premiums and benefits you can receive.
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3. Don’t be afraid to look for additional information outside the online path
In a variety of online sales , insurance companies usually still offer offline information provision services . Features such as call centers, live chat boxes, or even face to face with marketers can still be utilized even if you plan to buy insurance online . Because, it is very possible that you feel the information contained in digital format is inadequate to answer all your curiosity.
4. Fill out the form properly and submit all required documents
Like sales through marketers or agents, digital sales channels also require you to fill out forms and submit the required documents. Today, some online insurance also offers convenience in the absence of health questions and medical check-ups . However, make sure you keep filling in every question on the form according to your reality or health condition. Provide real information that must be done so that you do not experience rejection when making a claim.
Don’t forget to submit all the required documents. Most insurance companies provide a platform that allows sending documents in digital format. If you want to take advantage of online shipping facilities , make sure the digital format of your document is as requested.
5. Choose coverage products that offer flexibility
The risks you face in the future may be different from what you are now meeting. Therefore, the coverage or benefits you want are also very likely to change in the future.
To accommodate the possibility of that change, you should look for insurance products that offer flexibility. Look for insurance products in a digital storefront that allows policyholders to propose changes.
