2020-03- 14admin published in A+ summary:

When buying insurance products, insurance companies usually need to underwrite them. Only when the underwriting requirements are met can we draw a conclusion. At present, there are two underwriting methods for insurance companies in the market, one is manual underwriting and the other is intelligent underwriting. So what's the difference between the two? Choose which is more.

When buying insurance products, insurance companies usually need to underwrite them. Only when the underwriting requirements are met can we draw a conclusion. At present, there are two underwriting methods for insurance companies in the market, one is manual underwriting and the other is intelligent underwriting.

So what's the difference between the two? Which is better? Let's get to know Bian Xiao together.

First, the difference between manual underwriting and intelligent underwriting

1. Different underwriting methods

Manual underwriting, that is, manual verification of information, generally only appears in offline underwriting and email underwriting, and is underwritten by specialized underwriting personnel of insurance companies. The underwriting time is relatively long, ranging from one or two days to one week. Intelligent underwriting is a questionnaire supported by big data, and the underwriting conclusion can be drawn immediately only by the insured's truthful answer.

2. Different underwriting conclusions

There are many conclusions of artificial nuclear explosion, which are generally underwritten according to the subject matter, excluding liability, increasing the cost of underwriting, delaying underwriting and refusing insurance. However, there are only three underwriting conclusions of intelligent underwriting: subject underwriting, premium underwriting and refusal.

3. The impact on subsequent insurance is different.

Manual underwriting requires the insured to hand over his identity information to the insurance company, which is equivalent to real-name underwriting, and the underwriting conclusion will be uploaded to the insurance company's system for archiving.

It is relatively difficult for the insured to continue to insure the products of this insurance company if they refuse to insure because of physical problems. Intelligent underwriting is anonymous, and there is no need to input personal information when underwriting. Even if it is rejected, it will not affect the subsequent insurance.

Second, which is better?

In fact, these two underwriting methods have their own advantages and disadvantages, and everyone can choose according to their own needs.

For example, smart underwriting, its threshold is relatively loose, but because it is big data, it is impersonal. As long as it is rejected, it is basically impossible to continue to buy this product.

However, even if the insured is physically abnormal, as long as it is within the controllable range, you can choose to increase the underwriting fee and exclude underwriting. Moreover, many consumers are buying insurance for the first time, and they will encounter many academic terms in the process of underwriting. If you choose smart underwriting, you need to find the information yourself.