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 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, there is no way for parents to 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, and an adult must be over 20 years old to 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 photo restoration service 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 premium paid for each property insurance policy is also limited to 100,000. within the yuan.
In other words, people still face problems such as high commodity equivalence and lack of selectivity when buying insurance online. They can only appeal to convenience and speed, and the policy products that can be selected are still mostly simple and low-complexity products. Have a solution to this problem? With reference to the policies of China and Singapore, the digitalization of insurance is just around the corner At present, the global insurance industry is still exploring the future of digitalization.