Official website mode of Internet insurance refers to the self-operated Internet websites established by large and medium-sized insurance companies and insurance intermediary companies in the trading platform of Internet financial products in order to better display their brands, serve customers and sell products. The establishment of official website requires Internet insurance companies to have sufficient funds, rich product lines and perfect operation service system.
2. Third-party e-commerce platform model
The third-party e-commerce platform refers to an e-commerce enterprise or website that is independent of both parties to a commodity or service transaction and provides services for both parties to the transaction according to certain specifications by using the Internet service platform. Generally speaking, the third-party e-commerce platform has the characteristics of relative independence, high networking and process specialization.
From the perspective of financial supervision, there are many loopholes in the third-party e-commerce platform model, and the lack of insurance qualification of e-commerce platform is one of the main sources of risk.
3. Network concurrent proxy mode.
The document "Measures for the Supervision of Internet Insurance Business of Insurance Agents and Brokerage Companies (Trial)" issued by the China Insurance Regulatory Commission stipulates that only intermediaries that have obtained brokerage licenses or national insurance agency licenses can engage in Internet insurance business. Because a large number of vertical professional websites do not meet the above regulatory requirements, we use the qualifications of part-time agents to cooperate with insurance companies in the form of technical services.
The network part-time agency model is popular because of its low threshold, simple procedures and low requirements for the scale of business entities, and has gradually become one of the most important business models in the intermediary industry of Internet insurance companies.
4, professional intermediary agent mode
Professional intermediary agents not only need funds, network system security and other aspects, but also need to apply for online insurance licenses, which is safer and more reliable than the network part-time agency model. Online sales and online claims settlement of thousands of insurances need professional Internet insurance agents, scientific insurance product selection and perfect internal risk control to avoid risks caused by the lack of complicated risk assessment steps. How to further expand the sales of traditional insurance, health insurance, dividend insurance, family property insurance and liability insurance, and how to make use of the development of domestic e-commerce to maintain a long-term and stable large passenger flow in the fierce insurance competition environment are the main challenges faced by the professional intermediary agency model. The insurance industry is also looking forward to whether Ctrip can appear in the insurance industry under the professional intermediary agent model.
5. Professional Internet insurance company model
The business entities of professional Internet insurance companies vary greatly. According to the different business entities, professional internet insurance companies can be roughly divided into three types: comprehensive financial internet platform combining production and life, internet marketing platform focusing on property insurance or life insurance, and "public safety" mode of pure internet.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.