Insurance business via network channels network upgrade _ Yancheng Zhiyuan insurance compete for Auto Club

In the era of nation-wide network of purchasing, confined at home, and community-need only one click you can get on the Internet. Large domestic insurance companies are also more than a few years ago on the virtues of a network of hundreds of millions of dollars in sales this year buying market. From the official website of the online insurance capabilities, Taobao to insurance companies on the official shops, and specializes in all kinds of insurance products of third-party Web sites, according to data from insurance regulatory Commission, net sales total for 2009 insurance premium income of $ 7.77 billion, casualty premium income of $ 5.17 billion, insurance premium revenue of $ 2.6 billion. Compared with goods such as clothing, food, the net purchase value more than the price of insurance products, and more importantly after accident claims and protection. How to help you pick a wells fargo home equity loanseconomical insurance online is the goal of this topic. insurancDesk Help Software Trackinge net purchase channel three flowering compared to the net purchase and general meHelp Desk Tracking Softwarerchandise, net of insurance products purchased though not a very long development time, but its net purchase channels developed better, purchased three of the most common network channel can see shadows of insurance products: the official website of the insurance companies net purchase integrated platforms, such as Taobao network purchasing websites, networks and other third-party professional insurance net purchase site. official data shows that at the end of 2009, there are 32 insurance companies online sales, 2010 increased to 35 per cent. "The concept of insurance sales network has made at least six years, and now at the technical level of development is not in any way. "People in the industry of network marketing business has been involved with insurance companies told reporters that network marketing is just a sales channel, is a use of modern e-commerce sales channel, the current sales of insurance products is simplicity couldn't be simpler, such as accident insurance, short term life insurance product or are some of the casualty, vehicle insurance and other products. "Three sales channels, the most important is the official website of the insurance company, on the one hand is the maintenance and construction costs are very low, the company has a dedicated IT staff, increase online sales is very simple; on the other hand, also from the perspective of risk control, the official website of the degree of customer trust is obviously higher. "But even so, the members of the insurance industry told reporters that even now network better to purchase business insurance company, this part of the premium income of only 5% per cent, the majority of companies are only one or two percentage points. from a technical point of view, insurance sales network must implement design insurance advice, insurance plans, insurance, payment, policy information, queries, and basic security features such as change. Specific procedures have the following few steps: customer browse related sites, select the appropriate products and services, fill in the cover letter of intent, determined after submission, or credit card through the Internet bank transfer system, premium auto insurance company, insurance company underwriting and confirm to our customers, distributes official policy texts, contracts entered into formal effect. "official website" Services while about 35 per cent of the insurance company has a net purchase of business, but mainstream press enquiries on the market of the official website of the insurance company found that despite the fact that many companies do have "online insurance" or "online services" function, but can achieve net purchased product categories does less. As far as life insurance companies, other than transport insurance, accident insurance, travel insurance and family wealth insurance outside the mainstream, only a few companies to offer life insurance products with relatively complex. For example, the Taikang life children's zhongji insurance products online can provide insurance; in Taiping life network to buy women's health insurance plans; Cathay life insurance on the official website as well as a simple bonus insurance product line sales; de an online insurance product is more experienced in the joint venture life insurance company, which then contains a Term life insurance product and a cancer insurance product. Compared with the other two channels, from the product categories, is the most comprehensive on the official website. comments on: but this is not the official website of the biggest advantages that "service is the official Web site contests in the main content. "Life insurance company's IT Department staff evaluations. In addition to the functions to be insured, policy queries, pay policies, personal inspection planning, premium calculation, card insurance product activation, online reporting, online consulting, claims progress enquiry can be done at the official website. "Insurance products do not like clothes, bought out the right to wear, inappropriate can also return, while insurance involves authenticity and aftercare services policy issues. " " Taobao shop "low-price competition beginning in 2009, there are insurance companies began to log on Taobao official flagship store was opened. But more than a year has passed, the current official flagship store on Taobao insurance companies still only 5, from Ping, Sun, huatai insurance, Tai Hong and anbang insurance. In this regard, Taobao aspects related to the sector official said, "the current Taobao insurance is insurance that settled on Corp, any form of personal or branches at this stage are unable to open insurance on Taobao shop. "It is understood that the current Taobao is also active in investment promotion in the hope of attracting more insurance company stationed at Headquarters. comment: sales promotion low price is still the principal means of insurance company official flagship store, $ 5, $ 8 and $ 20 worth of insurance products are ranked above the best seller list. For example, huatai insurance introduces personal accident insurance for outdoor sports, $ 100,000 accidental death and disability protection, 8-day guarantee period only needs $ 8 premium. Sunshine insurance launched a comprehensive secure travel accident insurance, insurance period of 3 days to provide $ 50,000 accidental death and disability of the insured protection requires only 5 dollars per copy. This product is currently one of the selling of insurance products on Taobao, cumulative sales almost 20,000. Of course, have children zhongji on Taobao shop insuranceIn sales, 1-year $ 100,000 coverage needs $ 200 premium, but the current turnover is more than 600 entries. "third party sites" remains to be developed in addition to the official website and the flagship store on Taobao, third-party sites are mainly of insurance sales channels. Including not only network, networks, and other more well-known third-party professional insurance Web site, including some banking network Mall. For example, Minsheng Bank website has ever bright sun, Kunlun, health insurance, China's Turbo products of several insurance companies such as online sales. July 29, China insurance group announced a capital injection of $ 474 million insurance networking company network in Shenzhen, and the establishment of a pan-China network e-commerce company, to expand insurance sales network. It has also become a third-party insurance sales a landmark event in the development of the Web site. In contrast, third-party sales Web site for more small and medium-sized insurance companies take object. "Large corporations can make online sales on the one hand, because the company visibility high, many customers will take the initiative to search the company's Web site to purchase, and low visibility of small and medium-sized companies, waiting for customers to their official online to purchase products are not real; on the other hand, in the third-party sites, many customers are searching for a product comparison, small companies will generally have some price advantage, and therefore more likely to attract those customers compare prices, well targeted. " comment: at present, China, the Pacific insurance, Taikang life insurance companies will be detached from the traditional IT department e-commerce sector, respectively dedicated e-Commerce Department, the Department of innovation, with business sectors such as insurance, group insurance side-by-side, and examination results. people in the industry told reporters that the third-party Web site security in the minds of consumers still have a "question mark", for insurance products, and focus of future service follow up is that we take into account, this relatively high requirements on intermediaries.