Although the FSC has gradually relaxed restrictions, the principles of the types of insurance that can be insured, the qualifications of the insured, the choice of beneficiaries, and the maximum insured amount are still open with the approval of the FSC and listed as positive. At present, there are only auto insurance, motorcycle insurance, comprehensive vaccination insurance, travel insurance, injury insurance, term life insurance, out-of-pocket health insurance, interest rate variable annuity insurance, etc., or specific term life insurance, small amount end-of-life insurance, etc.
Insurance and critical illness health insurance can be purchased through online insurance1 . Especially during the alert period of the epidemic, many insurance needs are still limited by legal regulations, and face-to-face services must be performed photo restoration service on-site, which also causes unnecessary contact risks for operators and consumers. Even if the video interview is open, the whole process still needs to be videotaped and handed over to the Financial Supervisory Commission, which makes the review process more lengthy.
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.