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 cannot insure employees. If you want to travel in groups, you still have to ask a salesperson to assist you in person."

Even the total annual premiums paid for old picture restoration each property insurance policy is also limited to 100,000. within the yuan. In other words, people still face problems such as high equivalence of commodities and lack of selectivity when purchasing 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.

However, many countries, such as Singapore and the United Kingdom, have conducted sandbox tests in terms of policies to accelerate the process of insurance digitalization. Even Hong Kong, China, the United States, Japan, Singapore, the European Union All online insurance companies have been established. In China 2 , due to the popularity of mobile payments and online services, buying insurance is as simple and convenient as buying products online. Under the loose strategy of encouraging financial technology innovation, the Chinese government has not set any special restrictions on the types of goods, insurance amounts and insurance premiums that insurance companies can sell.