According to the Interim Measures for the supervision of the Internet insurance business, in October 1st the insurance companies operating Internet insurance business in succession in the official website of the China Insurance Industry Association Information disclosure. As of press time, there are 8 insurance companies disclosed the Internet insurance information. Reporters found that the disclosure of information of all risks insurance companies have established a mobile terminal Internet insurance business channels, and the official website, the third party network platform and the insurance intermediary network platform for the Internet business is not the same. On the development of Internet insurance, the industry is generally optimistic about the industry, but also pointed out that at present, the integration of insurance and the Internet has just begun.
Open micro channel service number
Yesterday afternoon, the reporter saw, there have been China life, Hong Kang life, hundred years life, Soochow life, longevity life, Ding and insurance, Sun Life Everbright Life and PICC 8 Insurance Companies in the Insurance Association official website disclosure of insurance business on the Internet.
From the information disclosure situation, insurance companies in a more standardized format to disclose their business Internet insurance business website name and URL, micro channel public number name, two branch of the company, as well as the list of third party network platform, etc., but the specific information of Internet insurance products can only see the name, can not show the details.
Reporters found that all development of Internet insurance business insurance firms have opened micro public or service number, coverage rate reached 100%, but the only people PICC a company to develop the business of Internet insurance business app. In addition to one hundred years of life, the current official website of other insurance companies have opened the Internet insurance business. A tripod and insurance, life insurance and other insurance firms not with third-party network platform or insurance intermediary network platform cooperation, cooperation with insurance companies, third-party network platform mostly giants of the industry, such as lynx, move the treasure, Taobao, Jingdong financial and millet financial; from the point of view of intermediary platform, Huarui insurance sales company, Chang E, Hui optional insurance brokerage, 700 degrees of safety net, Republic of China Insurance net.
The industry believes that the high popularity of mobile Internet makes the development of Internet business insurance companies are very much emphasis on mobile terminal coverage. Data show that in 2014, China's Internet users reached 649000000 people, the proportion of mobile Internet users accounted for 85.8%, the average user to open the phone 150 times a day, at least 4 hours in the micro channel and other high frequency applications.
General manager Zhang Ping Life Insurance Industry in, the 2015 China Life Insurance Industry in the October summit, said the company through the micro channel platform to strengthen the online interaction with customers, the use of social networks to test the water micro channel micro channel marketing characteristics, launched a series of products, launched a strong participation, interactive marketing model, a lot of attempts.
Huang Hong, vice chairman of the China Insurance Regulatory Commission, said the Internet to subvert the traditional industry to fool the camera to learn, consumers do not need to know the principle behind the complex, can be done, a key to get". The aforementioned analysts said that a simple terminal to receive the mobile Internet users to receive the favor, but the end of the simple and the insurance company will be a simple and powerful big data, cloud computing and other capabilities.
Still need deep integration
Insurance information from the public Internet insurance information, the current Internet insurance products for more than accident insurance and financial insurance. For example, Kuo Hua, Wu life, hundred years life insurance and other insurance companies network marketing products are main accident insurance products, Hong Kang life is the main investment connection type and financial type insurance co-existence, hundreds of years of life launched a micro finance and other products. At the same time, a small amount of protection products also appeared in the Internet insurance business, for example, China Life Insurance on the lynx launched a major disease insurance.
Accident insurance, financial risk is the net sales of insurance products, the basic models, all companies to carry out Internet insurance business will involve these products. But Internet insurance to show greater development potential, but also must enrich the product type, to achieve the depth of the Internet and insurance integration." An industry analysts believe that.
In the October summit of the 2015 China life insurance industry, many industry insiders pointed out that, whether from the current scale of Internet insurance or Internet insurance development model, China is still in its infancy, has not yet achieved the depth of the Internet + insurance integration.
From the point of view of data, from January to July this year, China's life insurance industry to achieve premium income of Internet 623 billion yuan, life insurance premiums over the same period for 10453 billion yuan, Internet insurance business income accounted for only a fraction of the "The profound transformation of the Internet is not such a performance, we are waiting for the arrival of the era of China's Internet life insurance industry." Zhu Jinyuan, President of the China Insurance Industry Association, said.
From the business model, the current development of Internet life insurance is still in the primary stage, that is, the use of the Internet as a means of technology to replace manual, or as a marketing channel to replace the line marketing. Wong hung pointed out that to achieve real "Internet + life must be done: in the business philosophy to have the feelings of the supremacy of customers, all customer service of the essence of this is the spirit of the Internet; in a business model with intensive model, the use of Internet technology to transform the traditional life insurance industry, to achieve precision marketing, accurate pricing, fine management and fine service.
"The life insurance industry to embrace the Internet. Simple combination is not the Internet + life insurance, but Internet and life insurance industry with chemical reaction is combined, integration, is the whole process of reformation on the business mode of life insurance, so as to create a new One, it is the whole process of life insurance business model, so as to create new productivity, meet the needs of consumers." Huang Hong said.
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