What is Internet insurance?
First of all, we have to figure out what is Internet insurance?
Internet insurance is to move all the traditional offline insurance business to online operation. ?
Usually, we call internet insurance online insurance, which is simply the comprehensive networking of insurance services such as insurance information consultation, insurance, payment, renewal payment and claim settlement. ?
In recent years, Internet insurance has developed rapidly, and many insurance products have been created among network celebrities, which has exposed more and more people to online insurance. ?
But I can tell you clearly here that internet insurance is not a lie, but an insurance business permitted by national laws and regulations and approved by the China Insurance Regulatory Commission.
What are the advantages of Internet insurance?
Internet insurance generally has two purchase channels:
| Insurance company official website, APP or official WeChat official account;
Third-party insurance sales platform
Let me analyze it for you. What are the advantages of Internet insurance?
1.？ Low premium
The biggest advantage of internet insurance is that the premium is cheap. We all know that offline goods will have various land rent and labor costs.
Insurance online transfer will save a lot of agent commissions and sales costs. ?
Therefore, the price advantage of internet insurance is very obvious compared with the insurance products with the same protection.
2.？ increase efficiency
Another advantage of Internet insurance is to improve efficiency. Compared with the complicated procedures offline, online operation is more convenient and faster.
3.？ Transparency of product information
Internet insurance information is open and transparent, and consumers can check various terms at any time, such as product content, premium, comparison of similar products and so on. ?
Having said so many advantages of the Internet, let's talk about the disadvantages of Ta.
1.？ The service system is not perfect
The online service system of insurance companies is not perfect, and many consumers' consultation and inquiry services are not timely and accurate, which leads to poor user experience.
2.？ Complex terms
Although online insurance is transparent, it allows people to directly contact the terms of insurance products.
However, I believe everyone knows the complexity of insurance. Most white people can't understand the product terms independently and complete their own insurance.
What are the four major Internet insurance companies?
There are only four pure internet insurance companies at present: Zhongan Insurance, Anxin Insurance, Yi 'an Insurance and Taikang Online.
Zhongan Insurance: Zhongan Insurance is the first registered Internet insurance company in China, which was founded by Ma, Ma Yun and Ma Mingzhe.
Taikang Online: Taikang Online was established on 20 15. Its parent company is Taikang Life Insurance Co., Ltd., and Taikang Life Insurance developed on 15.
From the traditional online insurance platform to the Internet insurance company, I experienced the development of "Internet plus insurance".
Yi 'an Insurance: Yi 'an Insurance was approved on February 20 16 16, with a registered capital of RMB1000,000,000, and its registered place is Shenzhen.
The main business includes related enterprise and family property insurance, freight insurance, liability insurance, credit guarantee insurance and the use of insurance funds.
Anxin Insurance: Anxin Insurance was established on June 8, 2006 with a registered capital of 1 100 million yuan.
Registered in Beijing, it is the first insurance company with a full-service system built on the cloud in China and the third internet insurance company.
The strength of an insurance company depends on the solvency and risk assessment of Ta. Let's know the strength of these four Internet insurance companies through various indicators.
As can be seen from the table I compiled above, at present, all four Internet insurance companies are in a state of loss.
The realization of traffic has become an urgent demand for internet insurance, and how to further improve the conversion rate is an urgent problem to be solved.
China CIRC's solvency assessment of insurance companies is based on three indicators: comprehensive risk rating requirements of Grade B and above,
The core solvency adequacy ratio is not less than 50%, and the comprehensive solvency adequacy ratio is not less than 100%.
From the table, the indicators of these four insurance companies are above the passing standard, and friends can buy related products with confidence.
Let me summarize.
The above is a detailed analysis of the four major Internet insurance companies. When we buy insurance, it depends on the strength of the insurance company, but more importantly, it depends on the protection of the product itself.
For more information about insurance companies, please see my previous article: the latest list! Top Ten Insurance Companies in China