The Role of Electronic Insurance and Electronic Commerce in Expansion of Insurance Companies

Abstract

Insured mail (E-Insurance) in the usual sense as the use of Internet and information technology (IT) is defined as the production and distribution of insurance and insurance -specific electronic means can be provided to an insured through an insurance policy that is online (online) request, propose , negotiate and contract is signed . With the payment of premiums , distribution and processing compensation insurance policy can be done online in some countries regulatory limitations (supervision ) and technical (technical ) may not authorize the operation of purely electronic . But at the global level to support the realization and distribution of insurance premiums paid for online regulations are constantly being modified . Shortage of ICT professionals (ICT) and little skilled manpower and expertise in the field of ecommerce major infrastructure requirements for listed companies . Not ready to support other sectors ( such as electronic money and communication networks ) , lack of laws and regulations ( electronic signature , copyright , etc.) , the lack of widespread Internet use and access is restricted to its traditional view of the prevailing organizational culture obstacles hindering the implementation of e-commerce companies is evaluated. Eventually ( by default the application of e-commerce ) insurers Iranian interests and benefits of this description , there are : improved image 3 company as a leading and modern, facilitate collaboration and knowledge transfer between stakeholders ( shareholders , agents and broker ) , reduced investment costs required to build and expand a network of Agents, lowering costs for all products / services and business expansion by eliminating geographical restrictions .