一、保險經紀公司是干什么的

保險經紀公司是指依(yi)法成立的保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)中介機構。他(ta)一(yi)方(fang)面代表被保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)人的利益(yi)，為(wei)被保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)人設計保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)方(fang)案(an)，與保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)公(gong)(gong)司(si)(si)商議(yi)達成保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)協議(yi)。另(ling)一(yi)方(fang)面，為(wei)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)公(gong)(gong)司(si)(si)招攬業務，向(xiang)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)公(gong)(gong)司(si)(si)收取傭金。再(zai)在(zai)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)市(shi)場上(shang)，為(wei)分出(chu)公(gong)(gong)司(si)(si)安(an)排分保(bao)(bao)(bao)(bao)業務，向(xiang)分入公(gong)(gong)司(si)(si)收取再(zai)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)傭金。在(zai)日常工作(zuo)中，保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)經紀公(gong)(gong)司(si)(si)還可以向(xiang)投保(bao)(bao)(bao)(bao)人提供防災防損、風險(xian)(xian)(xian)(xian)評估(gu)、風險(xian)(xian)(xian)(xian)管理、保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)咨詢(xun)或顧問服務等等。

具體(ti)地(di)說，保(bao)(bao)險(xian)經紀(ji)公(gong)司(si)(si)針對(dui)客(ke)戶的(de)(de)特定(ding)(ding)需求(qiu)，運用(yong)自身的(de)(de)專(zhuan)業優勢，為(wei)客(ke)戶提(ti)供專(zhuan)業的(de)(de)保(bao)(bao)險(xian)計(ji)劃(hua)和風(feng)險(xian)管(guan)理(li)(li)方案。在同客(ke)戶簽(qian)訂委托(tuo)協議后，由保(bao)(bao)險(xian)經紀(ji)公(gong)司(si)(si)組織市場(chang)詢價(jia)或招投標，選擇綜合承保(bao)(bao)條件(jian)最優越的(de)(de)保(bao)(bao)險(xian)公(gong)司(si)(si)作為(wei)承保(bao)(bao)公(gong)司(si)(si)。在與(yu)保(bao)(bao)險(xian)公(gong)司(si)(si)的(de)(de)談判中維護客(ke)戶的(de)(de)利益(yi)，爭取對(dui)客(ke)戶的(de)(de)最大優惠。此外(wai)，保(bao)(bao)險(xian)經紀(ji)人還協助客(ke)戶制定(ding)(ding)保(bao)(bao)險(xian)以(yi)外(wai)的(de)(de)全面(mian)的(de)(de)風(feng)險(xian)管(guan)理(li)(li)計(ji)劃(hua)。風(feng)險(xian)管(guan)理(li)(li)具有很強的(de)(de)專(zhuan)業性，保(bao)(bao)險(xian)經紀(ji)公(gong)司(si)(si)是國內外(wai)保(bao)(bao)險(xian)市場(chang)所公(gong)認的(de)(de)專(zhuan)業的(de)(de)風(feng)險(xian)管(guan)理(li)(li)顧問。

二、保險經紀公司的優勢

1、信息對稱

保險(xian)經紀平臺上會(hui)提供(gong)不同(tong)承保公司的、不同(tong)類型(xing)產品給大家挑(tiao)選。通過保險(xian)經紀公司，我們可(ke)以(yi)獲得更(geng)(geng)(geng)多、更(geng)(geng)(geng)全面的保險(xian)市場(chang)信息(xi)，促進信息(xi)對稱(cheng)，了解到更(geng)(geng)(geng)優質的產品。

2、便于選擇最佳產品

保(bao)(bao)險(xian)(xian)經紀公司(si)相當(dang)于(yu)是中介，這種的(de)好處(chu)就(jiu)是不(bu)會像保(bao)(bao)險(xian)(xian)公司(si)的(de)業務(wu)員一樣，一味(wei)地(di)去單純的(de)推銷甚至是在(zai)保(bao)(bao)障方(fang)面去隱瞞，而(er)是會根據消費者(zhe)的(de)需求來(lai)制定不(bu)同(tong)的(de)投保(bao)(bao)方(fang)案，那么對于(yu)消費者(zhe)來(lai)說，自(zi)然就(jiu)可以選擇到更(geng)加(jia)適合(he)的(de)產品以及(ji)最佳的(de)投保(bao)(bao)方(fang)式。

三、保險經紀公司的弊端

1、認知度低

消費者對于保(bao)險經紀(ji)公司的認(ren)知度是(shi)(shi)(shi)十分有限(xian)的，主要還(huan)是(shi)(shi)(shi)因為保(bao)險經紀(ji)公司大都(dou)是(shi)(shi)(shi)開發的線(xian)上平臺(tai)，而(er)消費者更多(duo)的關注點卻在(zai)于產品本身以及(ji)背后(hou)的承保(bao)公司，所以能夠服務(wu)的消費者也是(shi)(shi)(shi)比較(jiao)有限(xian)的。

2、理賠問題

保險經紀公司作為(wei)一個在保險公(gong)司(si)與消費(fei)者中間(jian)的平臺，除了提供投保方(fang)案之外(wai)，消費(fei)者遇到理(li)(li)賠(pei)問題或者是(shi)一些售后(hou)問題時(shi)，最(zui)后(hou)還是(shi)要找承保公(gong)司(si)解決，甚至(zhi)有些承保公(gong)司(si)分支機構較少，在問題處理(li)(li)上(shang)并不高效，給消費(fei)者帶來一定的售后(hou)問題。