Internet insurance path shows large data to promote innovation

Since the "three horses" joint establishment of the first Internet insurance company so far, a whole year, in the supervision of mandatory suspension and market demand for the active elimination, the domestic Internet insurance market from the Internet that is called "innovation" blind development, to the path gradually clear--locked based on internet transactions, payments, logistics and other scenarios under the insurance requirements.

Demand based on Internet scenario

The outbreak of return freight insurance is not the only harvest of insurance companies, the clustering effect of mobile Internet brings great imagination to other new types of insurance.

such as the public security insurance before the introduction of the public Lebao, ginseng and other margin insurance, is aimed at the power of the protection of the security link, used in lieu of margin payment and the introduction of an insurance service products. Sellers in the "Double 11" to participate in a good deal, according to the fund platform margin rules, millions of sales means that Alipay account to freeze 500,000 yuan of funds, insurance participation insurance expenditure premiums 1500 yuan (rate 0.3%) can release the funds frozen.

Public Security insurance Disclosure of the "double 11" date of the transaction data show that the day the amount of insurance policy exceeded 150 million, the premium of 100 million yuan, is the first three quarters of the company 360 million yuan total premiums 28%, all the premiums are only 0.67 yuan.

The 2013 annual report shows that the main insurance premiums for the period are return freight insurance and protection deposit, the latter to achieve the premium in their insurance business income accounted for close to 21%, and the compensation expenses accounted for only the product premium income of about 1.8%. Compared with the traditional return freight insurance, the compensation payment for the gold deposit is relatively smaller, which means that the profit potential is also bigger.

Taobao Insurance channel on the monthly sales charts, ping-an pay treasure net silver loss/stolen insurance in the category of property insurance ranked top. Insured amount of 50,000 yuan of the minimum premium expenditure of 10 yuan, the amount of 100,000 yuan/200,000 yuan/500,000 yuan insured amount of the corresponding premiums are 18 yuan, 30 yuan, 65 yuan, the insurance sales has been sold more than 70,000, the calculation of the premium has been millions. The second is the safety of personal account security insurance, the maximum insured amount of 1 million yuan.

Ping An person said: "Personal Fund insurance is the most closely related to the online purchase of the insurance." "It is understood that peace is also in the" Double 11 "during its micro-letter platform to give safe anti-theft brush insurance, insurance amount of 50,000 yuan, protection period of 3 months, to better let the audience understand the personal fund insurance.

The insurance business presents a variety of possibilities

In the process of personal participation in online shopping, the insurance demand is full of imaginary space.

If the net buys the bed product, the sweater, the shoe, the traveling box, the appraisal commodity filler composition, the formaldehyde examination, the leather appraisal and so on, may insure the commodity quality assurance insurance, by the third party organization provides the quality specialized appraisal. It is understood that Ping, Tai Bao two insurance companies to provide such home textiles quality Appraisal Insurance, the premium standard for the order price of 0.3%.

Ping An also provides auto parts installation Services insurance. Online shopping car parts with auto parts installation Services insurance, can enjoy from the installation date to provide 90 days of related liability protection: small Maintenance Service insurance for the engine to provide 10,000 yuan protection, the premium of 69 yuan; tyre Installation Service insurance is 2000 yuan, premium 39 yuan Wiper Installation Service Insurance provides a maximum of 200 million installation liability insurance, the premium of 9 yuan. In addition, the net buys 3C digital commodity, the household appliance product may insure one year national warranty expense insurance, one year accident damage insurance, simultaneously has added the Post-sale service which exceeds the original warranty scope.

In the logistics link, the loss of goods and damage is already in the idea of Internet insurance. Only in the cost of the return link, in addition to the return of freight insurance, there are also cod (C.O.D.) refused to sign the insurance is for the exclusive protection of sellers. If the goods are refused, double the cost of payment to the seller, according to the historical refusal rate level, to charge a sum of 0.7 yuan ~4.5 yuan of different premiums.

The credit guarantee insurance which is derived from small micro-finance is also a bright spot. It is reported that the recruit treasure users can be based on their own platform held in the designated financial assets of the loan application, with the Ali under the security insurance underwriting the treasure to cash the loan guarantee, for all the Treasury users to provide liquidity loan guarantee insurance, to protect the borrower principal and interest security.

Now it seems that the property insurance business in the Internet insurance on the starting line to show more possibilities. Huatai, the latest disclosure of the electrical business of the five major development direction: based on the online shopping insurance, based on the travel type of insurance, for mobile phone development of risk species, such as broken screen, data loss, for the high net worth of the population of medical and recreational insurance, and finally the future to open up personal consumer finance, credit insurance products.

Compared with the diversified path of property insurance, the life insurance business is to cater to this new market demand with the ailing risk of fragmentation. such as Taobao insurance innovation sinks a high cancer exclusive insurance for 6 kinds of cancer, for the 18-Year-old to 50-year-old policyholders to provide each 10,000 yuan insured, the protection period of 1 years, the minimum premium of 5.2 yuan. Industry insiders pointed out that "the traditional life insurance product portfolio is often the pursuit of security and the whole, the terms of popularization, product fragmentation, but also more in line with the current trend of internet development." ”

(Responsible editor: Mengyishan)