The difference between electronic insurance policy and paper insurance policy.

Legal analysis: there is no difference between electronic insurance policy and paper insurance policy in legal sense, and both of them have legal effect. It's just a different form. An electronic insurance policy is an electronic document. You're not worried about losing it. You can download and print directly on the insurance company's website when necessary. Paper policy can give the insured more reassurance in kind, but it is easy to be lost if it is not kept well, so you need to find the customer service staff of the insurance company to mail it again.

Legal basis: Article 13 of the Insurance Law of People's Republic of China (PRC), if the applicant requests insurance and the insurer agrees to underwrite it, the insurance contract is established. The insurer shall issue an insurance policy or other insurance certificate to the applicant in time. An insurance policy or other insurance certificate shall specify the contents of the contract agreed by both parties. The parties may also agree to clarify the contents of the contract in other written forms. An insurance contract established according to law shall take effect upon its establishment. The applicant and the insurer may attach conditions or time limits to the validity of the contract.