High-temperature insurance is a business stunt in the big data age

"Mid-Autumn Festival risk", "Singles Day Off Risk", with the rise of internet finance, one after another alternative insurance products appear in the http://www.aliyun.com/zixun/aggregation/37311.html "> Network sales channels." Now, the hot high-temperature season is approaching, and insurance companies launched the "high temperature risk."

With more and more developed in recent years, large data in the national economic development, military areas, livelihood services and other fields play an increasingly important role, but also for businesses to provide more and more rich resources and business opportunities.

The insurance company launched a "high temperature risk", is undoubtedly relying on large data under a business gimmick. With the increasing global temperature, the people of the city in the heat of the temperature can be said to be the most feelings, and now the launch of the "high temperature insurance", it seems that the people finally saw a bag to earn the insurance items, like a summer in a popsicle.

Is that so? The launch of the high temperature insurance companies, the provisions from June 21 to August 23 from this year, if the insured in the city of 37 ℃ days more than the contract agreed to the day after the loss of the number of days, each appeared a 37 ℃ high temperature, the insurer can be in accordance with each of the 5 yuan per day to pay Each cumulative amount of not more than 100 yuan, each insured for up to 99 copies, the claim criteria to be issued by the Central Meteorological Observatory in the city of the insured in the next day on the date of the live weather data released.

Each city of the different days of high temperature insurance, of which Chongqing to 28 days of the number of compensable days ranked first, Fuzhou to 23 days ranked third, Xiamen, the number of deductible days for 2 days, Harbin, Changchun and other compensable days are zero. The secret of the Merchant is to launch the "high temperature risk" of this time limit and the deductible days.

With the investigation of the reporter in-depth, found in 2011-2013 June 21-August 23, Xiamen, the highest temperature of the weather did not exceed 37 ℃, the highest temperature of 36 ℃ last July 12. This means that, according to the analysis of temperature data in previous years, Xiamen residents even buy more "high temperature risk" is only a loss of trading.

Of course, this year there is a weather anomaly is not impossible, but the probability is very small, in the "High temperature insurance" this game, the chance of the merchant profit is far greater than the buyer.

The sky will not drop pies, there is no free lunch, you can see that the merchant launched the "high temperature risk" behind the big data to do support, businesses to strive for the greatest benefit into the purpose, and will not be for no reason to do a loss of business?

Therefore, "high temperature risk" of the launch, but is a big data era of business profits and a gimmick, regardless of business one out of 10,000 of the loss probability does not say, light this kind of insurance, but also for businesses to earn enough attention.