万众创新(xīn)被视作中國(guó)新(xīn)常态下经济发展“双引擎”之一,李克强对中外企业家说,“创新(xīn)不单是技术创新(xīn),更包括體(tǐ)制机制创新(xīn)、管理(lǐ)创新(xīn)、模式创新(xīn),中國(guó)30多(duō)年来改革开放本身就是规模宏大的创新(xīn)行动,今后创新(xīn)发展的巨大潜能(néng)仍然蕴藏在制度变革之中。”
那么具體(tǐ)到互联网保险行业的创新(xīn)又(yòu)有(yǒu)哪些具體(tǐ)的分(fēn)类?互联网保险行业创新(xīn)大體(tǐ)包含:产品创新(xīn),渠道创新(xīn),模式创新(xīn)等。清华大學(xué)五道口金融學(xué)院党委副书记、副院長(cháng)、清华大學(xué)國(guó)家金融研究院中國(guó)保险与养老金研究中心主任赵岑认為(wèi),互联网保险行业创新(xīn)集中在产品和服務(wù)上。
产品方面的创新(xīn)主要表现在保险需求的重新(xīn)定义和获取上。因為(wèi)基于新(xīn)的互联网服務(wù)的场景之下,有(yǒu)很(hěn)多(duō)原本没有(yǒu)出现的保险类型出现了,比如说退货运费险,摩拜出现之后的共享单車(chē)骑行险,比如网络不断发展之后的网络安全险,帐户安全险等等,这都是在传统服務(wù)业态中没有(yǒu)出现,由于互联网场景不断的更新(xīn)和叠加,出现了一类新(xīn)的需求被获取了。同时,产品创新(xīn)包括对传统产品的改造,基于使用(yòng)的行為(wèi)的新(xīn)的产品的推出等等一些内容。日前,中國(guó)保险行业协会发布了《2018年中國(guó)互联网财产险用(yòng)户调研报告》有(yǒu)超过一半的用(yòng)户保险花(huā)费在1500元以下,且都是新(xīn)兴保险产品,这些产品大都是伴随互联网碎片化场景出现,频次高保费低。
在挖掘客户需求上不同类型企业各显神通,量子保看来,特别是新(xīn)经济时代下、消费升级中的中小(xiǎo)企业,代表着未来的方向,比如宠物(wù)行业、O2O、医疗美容、早教等。这些服務(wù)背后是人们真实的消费需求,他(tā)们自带庞大的線(xiàn)下流量,自带场景和服務(wù),同时抗风险能(néng)力较弱、用(yòng)户信任度低、获客困难,而保险在提高他(tā)们风险系数的同时,也重新(xīn)构建了企业和用(yòng)户之间的信任,增加获客。在这样一个战略方向指导下,量子保已经在驾培、医美、早教、蓝领等领域俘获了一大批企业用(yòng)户,覆盖C端用(yòng)户已超400万,保费月度复合增長(cháng)率达160%。通过创新(xīn)型定制化的产品,量子保实现了弯道超車(chē)。
互联网保险公司拥有(yǒu)保险产品的生产能(néng)力,但渠道和场景流量也需要重建;第三方保险平台需要发挥第三方的优势完成聚合,包含创新(xīn)保险产品的聚合和创新(xīn)渠道的聚合;传统保险公司有(yǒu)产销一體(tǐ),但是需要自我革命。
传统保险要进行互联网创新(xīn),就要从产品和渠道入手。互联网保险产品的创新(xīn),就是在共性需求中寻找个性化需求,在标准化内容中探寻差异化产品,真正切入到用(yòng)户需求。解决 “买买买”一族退货运费痛点的运费险,就是保险产品创新(xīn)的一个成功案例。该保险因具有(yǒu)保费低、投保易和理(lǐ)赔快的特点,在大额低频保险之外开辟了一个小(xiǎo)额高频的模式。
在渠道创新(xīn)方面,除了官网、第三方電(diàn)子商(shāng)務(wù)平台、网络代理(lǐ)等,移动互联网是一个新(xīn)兴的不可(kě)忽视的销售渠道,并且这个渠道的使用(yòng)频率越来越高。以國(guó)华人寿為(wèi)代表的众多(duō)保险公司已经在移动应用(yòng)上推出微信商(shāng)城,可(kě)实现微信投保、支付、在線(xiàn)客服、产品展示、查询等功能(néng)。泰康的“微互助”、幸福人寿推出的微信公众号“幸福产品在線(xiàn)”、安邦保险联合微商(shāng)城,都以移动互联网為(wèi)媒介。与传统的销售渠道相比,移动互联保险具有(yǒu)便捷、适用(yòng)碎片化时间、用(yòng)户體(tǐ)验优先等特点,在产品研发上会更加贴近客户需求,凸显个性化特色。
产品,渠道,服務(wù)的创新(xīn)带来是整體(tǐ)模式的创新(xīn),互联网保险本质上要回归保险,同时创新(xīn)又(yòu)必不可(kě)少,中國(guó)保险行业有(yǒu)哪些富含创新(xīn)力企业?
(来源于网上数据)
前文(wén)探讨了互联网保险行业创新(xīn)的方向和案例,那么企业如何通过创新(xīn)来為(wèi)自己带来发展?具體(tǐ)到细节上又(yòu)如何运用(yòng)?瞻仕咨询作為(wèi)专注于互联网保险行业咨询公司,将在下一篇中為(wèi)您详细解析。
From :businessinsuranceU.S. commercial property/casualty rates rose 5% on average in the fourth quarter of 2019, up from 4% in the third quarter, reflecting insurers’ intent to continue to increase prices across most lines, online insurance exchange MarketScout Corp. said Monday.“Auto rate increases have been up all year long; however D&O (directors & officers) and professional rate increases have spiked significantly in the fourth quarter,” Richard Kerr, CEO of MarketScout Corp. said in a statement.Insurers are carefully analyzing their property exposures using catastrophe modeling tools, he said. “We expect many of the major property catastrophe insurers to curtail their 2020 writings in California brush and East and Gulf Coast wind areas. Naturally, this will result in higher rates to insureds,” Mr. Kerr said.D&O liability rates increased by 8.25%, while commercial auto increased 8% in the quarter, and professional liability rates were up 6%, and umbrella/excess rates were up 5.5%, according to MarketScout.Commercial property rates increased 5.25% in the quarter, and business interruption rates were up 5%, while all other lines showed smaller increases, except for workers compensation, where rates fell 1%, MarketScout said.By industry class, transportation and habitational saw the highest average rate increases at 9% and 8.25% respectively, MarketScout said.Large accounts – those with $250,001 to $1 million in premium – saw a rate hike of 5.5% in the fourth quarter, as did jumbo accounts, which have more than $1 million in premium. Small accounts – those with up to $25,000 in premium – were up 5%, while medium accounts – those with $25,001 to $250,000 in premium – were up 4.5%.The “steady trend” of upward rates reflects insurers’ plans to continue increasing prices across all lines except for workers compensation, MarketScout said.Organizer:China Insurance Digital & AI Development 2020Web:http://en.zenseegroup.com/p/560573/Contact:Ann 021-65650305
From :insurancejournalIt was a relatively quiet year for the Southeast in terms of major catastrophes compared with 2018 when Hurricane’s Michael and Florence caused major damage in the region. This year, Hurricane Dorian sideswiped the Southeast coast and made landfall on the Outer Banks of North Carolina but most of the area was spared. Still, Aon said economic damage in the U.S. and Canada was poised to approach a combined $1.5 billion.Florida spent the year recovering from Hurricane Michael, which was upgraded to a Category 5 storm by NOAA in April. Florida officials have repeatedly called on the insurance industry to speed up the recovery process, with nearly 12% of claims still open a year after the storm hit.Organizer:China Insurance Digital & AI Development 2020Web:http://en.zenseegroup.com/p/560573/Contact:Ann 021-65650305
From:businessinsuranceeinsurance renewals at Jan. 1, 2020, mainly saw single-digit increases, with some exceptions, according to reports by reinsurance brokers released Thursday.Willis Re, the reinsurance brokerage of Willis Towers Watson PLC, and Guy Carpenter & Co. LLC, a unit of Marsh & McLennan Cos. Inc. both reported that year-end reinsurance renewals varied by account and region, but the retrocessional reinsurance was under pressure.Rates on line for property catastrophe reinsurance programs remained stable and property per risk pricing was driven by individual program performance, the Willis report said.Although some Lloyd’s of London syndicates took firm positions on rate increases and the London market authorized capacity decreased, that capactiy was replaced by new capital and a strong supply from other markets, Willis Re said.U.S. loss-free accounts renewed at flat to up 10% while those with losses saw increases of 10% to 50%, the Willis Re report said, which was among the largest increases. Property catastrophe accounts without losses renewed at flat to up 5%, while loss hit accounts were up 10% to 20%, Willis Re said.According to the Guy Carpenter report, the brokerage’s global property catastrophe rate on line index rose 5% in 2019.According to the Willis Re report, other large increases were seen in Central and Eastern Europe, where property programs with losses saw increases of 5% to 20%, and Canada, where such accounts renewed up 10% to 40%.Most other regions and countries saw property increases in the single or low double digits, the report said.The Jan. 1 renewals saw some “difficult” negotiations, according to a letter in the report from James Kent, global CEO, Willis Re.The Guy Carpenter report said the reinsurance market was “asymmetrical,” adding “this is certainly not a one-size-fits-all market” and while overall capacity remained adequate, “allocated capacity tightened notably in stressed classes.”Dedicated reinsurance capital rose 2% in 2019 and the year saw approximately $60 billion in global insured catastrophe losses, according to Guy Carpenter, which was significantly lower than 2017 and 2018.Alternative capital, however, contracted by approximately 7% percent “as investors were more cautious with new investments after assessing market dynamics and pricing adequacy,” Guy Carpenter said.The retrocession market “was challenged … by trapped capital, a lack of new capital and continued redemptions from third-party capital providers,” a statement issued with the Guy Carpenter report said.However, significant retrocession providers returned to the market in the past two weeks, Willis Re said.Organizer:China Insurance Digital & AI Development 2020Web:http://en.zenseegroup.com/p/560573/Contact:Ann 021-65650305
Major information technology companies in India are running the risk of termination of their $1 billion contracts following Boeing Co.’s decision to halt the production of its 737 Max jets, MoneyControl reported citing the Business Standard. Companies like Tata Consultancy Services Ltd., Infosys Ltd., HCL Technologies Ltd., Cyient Ltd. and L&T Technology Services Ltd. have outsourcing contracts with Boeing or its suppliers and Boeing’s jet crisis is expected to affect these IT companies in the short run.From:businessinsuranceOrganizer:China Insurance Digital & AI Development 2020Web:http://en.zenseegroup.com/p/560573/Contact:Ann 021-65650305
France-based eyewear maker Essilor International S.A. has discovered fraudulent activities at one of its factories in Thailand that could cause €190 million ($213 million) in financial losses to the company, The Irish Times reported citing Reuters. The company has filed complaints in Thailand and has fired all the involved employees. It hopes to recover the losses from frozen bank accounts, insurance and lawsuits.Organizer:China Insurance Digital & AI Development 2020Web:http://en.zenseegroup.com/p/560573/Contact:Ann 021-65650305