Rewrite the Technological Landscape

At this time, five big characters appeared on the big screen: Internet insurance.

As the saying goes, banks can go bankrupt, but insurance companies cannot.

Especially for giant-level insurance companies, the country will do everything possible to keep you alive.

Insurance has also encountered new changes in the Internet age.

In 2013, the country began to mention Internet insurance, and in 2014, the country began to vigorously promote and encourage ordinary people to buy commercial insurance. The development of the insurance industry has now become the Dafeng Group.

However, it is not easy for Internet companies to enter the insurance industry, because the licenses are too difficult to obtain, and some licenses are not even allowed. If you want to enter the Internet insurance, you can only obtain some licenses through acquisitions. However, the comprehensiveness is different from traditional insurance companies. There is still a significant difference.

However, meals are eaten bite by bite. Entering this industry first is the first thing Dafeng Group has to do right now.

"The penetration rate of commercial insurance in China can be said to be very low. The reason for this situation is that the important point is that science popularization is not enough. Everyone should remember that many people were unwilling to pay social insurance more than ten years ago. , and now everyone is scrambling to make up for the missing social security years.

As for the importance and significance of commercial insurance, the country has raised the issue of commercial insurance coverage since last year, and has begun to popularize the value of commercial insurance on a large scale. I believe that I don’t need to say more here, at least one thing can be confirmed. Yes, commercial insurance itself is a good product, but we are somewhat resistant to this product for some reasons.

For example, our traditional impression of commercial insurance. During the years of commercial insurance development, we have to admit that the behavior of some insurance practitioners has caused commercial insurance to be almost equated with fraud. Some people even complain that selling commercial insurance Sell ​​until the relatives do not recognize.

These traditional impressions make many people have a natural resistance to commercial insurance, but I still say that commercial insurance itself must be a good thing, so what we need to do is to change some things.

Another very important factor is the price, which I believe everyone who has learned about insurance will have a deep understanding of.

It can be said that there are very few insurance types in China, and we have been promoting some bundled packages over the years, and the annual premium can easily cost tens of thousands.

The current per capita annual income of Huaxia is still around 50,000 yuan, and I spend more than 20% of my income on buying insurance a year. Insurance practitioners will tell you that this ratio is normal, but the consumption habits of our Huaxia people are special. of.

And everyone knows very well that those who really need insurance, especially serious illness insurance, are relatively poor people, because a single illness may ruin their entire family.

However, such families cannot afford or do not want to bear high insurance costs. This is actually a contradiction. The more people need commercial insurance, the more reluctant they are to spend the money.

Now that Internet insurance has begun to develop, some people say that this is the arrival of the insurance 2.0 era, so I think the first thing we need to solve in the new era is this contradiction, so that people who really need insurance can afford insurance, and commercial insurance can be widely used in insurance. Huaxia really takes on its role. "

In the eyes of many people, it seems that Shao Yibo said these words to offend traditional insurance companies, but in fact, Shao Yibo is not false at all, because when traditional insurance companies learned that Dafeng Group was going to engage in Internet insurance, their reaction was to seek cooperate.

After all, the shortcomings of online insurance are actually obvious. For example, there is a problem of self-service purchase of online insurance. At present, ordinary people in China basically have no insurance knowledge, and even the most basic insurance criteria are not clear. Looking at it, it is indeed easy to cause insurance deviation.

Another problem is the license issue mentioned above. Dafeng Group has acquired 6 companies in the past few years and has not yet obtained the design qualification of life insurance. Now it is very difficult to obtain a complete insurance design qualification license in China.

Another problem is that Internet insurance is a new product based on big data, which greatly increases the difficulty of insurance design and requires a large number of experienced insurance talents. In this regard, the talent pool of Dafeng Group is no match for traditional insurance companies. Compare.

Therefore, traditional insurance companies approached Shao Yibo as soon as they heard the news. What they meant was that since the times have pushed insurance to this point, they would not reject the Internet. In addition, the country’s clear requirements for commercial insurance coverage last year , They are also willing to embrace Internet insurance.

As the Dafeng Group is the largest traffic portal in the country, of course they want to cooperate.

So what Shao Yibo will show next at the press conference are several subdivided insurance products. Taking critical illness insurance as an example, you can buy pure critical illness insurance without having to bind it with life insurance, and the price will be lower immediately. a lot of.

Coupled with the lower cost of Internet sales, the price of insurance has been further reduced.

But many people have noticed that these insurances are not designed by Dafeng Group, but by PICC, Ping An and other companies. In other words, Dafeng Group is more like an online platform for selling traditional products.

Fortunately, in the end, Shao Yibo came up with an insurance product designed by an insurance company acquired by Dafeng Group, which proved that he was not a pure sales platform, but a full cooperation with traditional insurance companies.

The first insurance product launched by Dafeng Group is called electronic insurance.

"The so-called electronic insurance is an insurance for our electronic products. This year, everyone should have heard a saying that electronic products have entered the era of low-frequency replacement.

To put it simply, our mobile phones and our computers can be used for three to five years or even longer before replacing them. Even as the quality of electronic products continues to improve, we may no longer update them because the products are broken. It's because it's really boring.

But the problem is that the chip and system of the mobile phone can support us for five years, but our products will inevitably encounter some bumps and bumps during these five years. It is unnecessary to replace it, and it is expensive to repair it.

Just like many friends on the Internet are complaining about changing the screen of the current mobile phone, you can buy a mobile phone before.

Electronic insurance was produced under such an era background, let's take a look at the description of electronic insurance.

During the insurance period, during normal use of the subject matter of insurance stated in the insurance policy, the display screen is broken due to falling, shock, extrusion, collision, or the use function fails due to liquid ingress, or for the insured The insurance company shall be responsible for compensation in accordance with the stipulations of the insurance contract for the maintenance costs incurred by the maintenance organization specified in the insurance policy.

Use function failure: refers to the failure that the electronic product cannot continue to use according to the preset basic functions. "

After everyone read the core content of insurance, Shao Yibo looked at the audience, "I seem to have heard someone talking about the difference between this thing and the extended warranty.

Last year, the design of extended warranty appeared in China, but warranty and insurance are completely different.

The essential difference is that the warranty covers the faults that occur during the normal use of the product, while the insurance covers the faults that occur during the abnormal use of the product.

For example, if you accidentally drop your mobile phone, this is not something that the warranty can do, but it is something that the insurance can do.

As long as it is within the insurance amount, you only need to take the damaged product to our repair point for repair, and we will bear the corresponding repair cost, and we provide a direct advance payment function. Once the repair shop confirms the insurance benefits, you can directly There is no need to spend a penny.

Some people may be curious, so I deliberately dropped my phone and broke the screen and then went to practice.

Then I can only say, first, if you have to drop it by yourself, it may not only be the screen that is broken, but what kind of hidden dangers will there be, and you have to take into account whether it will involve damage that is not covered by insurance, and say Maybe you just smashed the product completely and exceeded the insured amount.

Second, we will have certain means to detect whether it is intentional man-made damage. Please trust us with this ability. For insurance fraudsters, your behavior may affect your historical credit problems. "

Third, we are willing to believe in the quality of most people today.

In addition, our electronic insurance provides packaged insurance for different products. For example, you can package Hongmeng mobile phones and Huawei mobile phones together for insurance. We also provide comprehensive coverage of on-site repairs, free inspections, free care and many other services. "

Whether it is extending the warranty or insuring electronic products, it has actually become popular abroad for a long time. The domestic development is relatively slow, and the extended warranty only appeared last year. This year, Dafeng Group, as the most representative electronic product company in China, launched Electronic insurance.

Also through electronic insurance, Dafeng Group has officially entered the insurance industry.