How to integrate the Yuan universe and insurance ecology: Different development paths at home and abroad are completely different.

21st Century Business Herald reporter Chen Zhi Shanghai report

With the rise of the Yuan universe technology, the linkage between the insurance ecology and the Yuan universe is increasingly close.

However, the integrated path of domestic and foreign insurance ecology and the technology of the Yuan universe shows a very different trend.

In Western countries, Liberty Mutual, a large US property insurance company, and State Farm have been involved in the research and development of the Yuan universe insurance product. The hacker attacks, business interruptions, privacy leaks, extortion software attacks encountered by the merchants provide risk guarantee.

However, in China, the research of the insurance institutions and the insurance ecology of the Yuan universe and the insurance ecology is mainly based on the consideration of empowerment for existing insurance business. First, with the help of the pure virtual interaction of the Yuan universe, it empowers insurance sales, marketing, user education and other links. Promote business development; the second is to introduce "digital doctors" based on Yuan cosmic technology to improve the doctor's diagnosis and treatment efficiency and diagnosis and treatment data collection capabilities, and provide a broader operating space for insurance companies' innovation insurance types.

Xie Fangmin, the founder and chairman of the Ark Kenkee, pointed out in an interview with this reporter that the integration of the Yuan universe and insurance+medical ecology is becoming a new direction for many Internet medical institutions. For example, many slow -disease diagnosis and treatment doctors usually work very well and cannot comprehensively collect the condition and diagnosis and treatment effect of each patient. At this time The effect of diagnosis and treatment is an important basis for helping insurance companies to collect more and more diagnosis and treatment data as an important health insurance for insurance companies to develop new types of diseases in insurance and disease -insured.

Li Zhe, the founder and CEO of Yiyun Insurance, told reporters that as the young groups of generations continue to expand, how to promote insurance products and insurance concepts in the way of young people is also a new challenge facing insurance companies. As more and more young people like to communicate in the world of the Yuan universe world, insurance companies can fully use the new virtual interaction methods of the Yuan universe, further improve the interactive experience of insurance companies and young customers, and provide corresponding insurance solutions.

"At present, we are trying to introduce the virtual IP image based on the newly issued insurance products to further bring closer the interactive experience of insurance products and young customers, so that young people in the Z generation to understand insurance in their favorite interaction environment Product. "He told reporters.

From the perspective of the industry, although the Yuan universe brings new room for reform and development to the insurance ecology, the integration of the Yuan universe and the insurance ecology is still full of challenges. For example, the Yuan cosmic digital doctor and patients create a better communication experience. While collecting patients with chronic disease medications and diagnosis and treatment effects, some simple patient diagnosis and treatment are solved. The digital doctors of the Yuan universe can accurately grasp some diagnosis and treatment knowledge; in the insurance marketing link, how to use the virtual interaction technology of the Yuan universe to continue to improve the "interaction experience with young people, and the insurance institution also requires the insurance marketing model to make corresponding corresponding to the insurance marketing model. innovation.

It is worth noting that more and more domestic insurance institutions are also conducting bold attempts.

In December last year, China Life Insurance Company launched the 15th anniversary limited number of digital collections and digital families. Earlier this year, Taikang released the concept of the Yuan universe online. Dived into a tangible experience, letting users feel the insurance value.

Taikang Online believes that from the perspective of the insurance industry, the Yuan universe is a port that upgrades from the Internet era to the Internet of Things era.

"However, in order to fully empower the insurance ecological development of the universe, it will take a period of exploration and running -in." A person in charge of an insurance technology platform told reporters. Behind this, one is the formation of any new format of insurance services, which requires a period of market cultivation and user acceptance; the second is the integration of the Yuan universe and the insurance ecosystem, which also needs to meet the requirements of various compliance, so that the participants are in the exploration process. Need to be careful.

"New Mission" of the Digital Doctor of the Cosmic Universe

In recent years, with the rise of big data technology, more and more insurance companies have relying on the accumulation of diagnosis and treatment data to analyze and analyze the new types of insurance such as insurance and health insurance that are closely related to patients with diseases. Patients with chronic diseases realize the regulatory medication of the whole disease, and also reduce the economic pressure of diagnosis and treatment of patients with chronic diseases and special diseases.

Behind this is that insurance companies still need a large number of patients with the latest data and medication status of chronic disease diagnosis and treatment. As their important basis for their optimization of underwriting strategies, promoting insurance services innovation, and reducing compensation capabilities.

However, in the actual operation link, it is not easy to obtain sufficient patients with chronic treatment and diagnosis and treatment effects. The reason is that doctors usually have a very large workload. A large number of patients are visited every day, and they may not have enough time to fully understand the condition of each patient's chronic disease and the specific results of diagnosis and treatment.

In the opinion of Xie Fangmin, the founder and chairman of the Ark Kenkee, this just gives the Yuan cosmic digital doctor's huge development space -Internet medical platforms can build digital doctors based on the Yuan cosmic technology, and let him assist the doctor with many patients to develop online communication online While obtaining detailed patients and the specific results of diagnosis and treatment, they can answer the relatively simple and standardized diagnosis and treatment questions on the one hand. Insurance companies develop new types of insurance to provide important data support. "We investigate and develop that if the patient takes some drugs on time, it can significantly reduce the chance of deterioration of the corresponding slow diseases. This means that if the Internet medical platform can provide excellent online diagnosis and treatment consulting services, the patients will urge patients to take medicine on time. The results of the results are provided to the insurance company, which will form a three -party win -win situation. One is to effectively reduce the pressure on the payment of new insurance products in insurance companies, and the other is to promote the sales of these drugs to improve the diagnosis and treatment effect for more patients. Xie Fangmin told reporters. Ruo Yuan Cosmic Digital Doctors through frequent interaction and communication with patients with chronic diseases, to understand the patient diagnosis and treatment effects and medication conditions on time, it also helps insurance companies to develop new types of insurance and optimize underwriting conditions (incorporate patients with medication on time in the underwriting conditions on time into underwriting conditions ), So that more patients with chronic diseases reduce their financial burden by insured their own diagnosis and treatment.

In his opinion, although the Digital Doctor of the Yuan universe can play a new link role in building a new format for "Internet+Slow Disease Diagnosis and Treatment Service+Innovation Payment", it takes some time Essence After all, as a new technology, the Yuan Universe still needs to be explored in terms of optimizing the customer's Internet diagnosis and treatment service experience, digital doctors' professional technical reserves and interactive ability training.

Xie Fangmin revealed that Fangzhou Jianke is currently integrating digital technologies such as artificial intelligence, big data, and cloud computing to create a "π -type digital doctor", allowing the latter to have skills such as digital perception, insight, science popularization, intervention, social networking, communication Better to serve patients and promote the development of Internet medical care.

From the perspective of many people in the industry, the fusion of the digital doctors of the Yuan universe and the Internet diagnosis and treatment+insurance ecology currently needs to solve two major challenges. One is that the functions of the Yuan cosmic digital doctor are not limited to collecting chronic drugs and the condition of chronic diseases and the condition of chronic diseases and the condition of chronic diseases and the condition of chronic diseases and the condition of chronic diseases. The diagnosis and treatment effect data can also provide some simple diagnosis of chronic disease diagnosis; the second is whether to help doctors prescribe some standardized chronic disease diagnosis and treatment prescriptions, so that doctors can free up more energy diagnosis and treatment. Can it play the role of urging patients with chronic diseases on time? This not only is related to whether the digital doctors of the Yuan universe can be welcomed by more and more patients, but also affect the progress of insurance companies in the insurance company. Can the actual payment pressure be effectively reduced?

Xie Fangmin told reporters that they are actively exploring the ability of the Yuan universe digital doctors to have stronger deep learning and perception insights, and provide better help for the majority of patients with chronic diseases and regulating medication. Reduce the economic burden of patients.

Insurance marketing of the Yuan universe or "one step lead"

In contrast, the pace of the Yuan universe in the field of insurance marketing is even more rapid.

In addition to the Chinese Life and Payness Insurance and Taikang Online with the help of the Yuan Cosmic Technology to promote the concept of insurance, I recently tried to use the Yuan universe virtual activity space to expand new insurance products, that is, to create an IP virtual image for new insurance products.

Li Zhe, the founder and CEO of Yiyun Insurance, told reporters that the introduction of new insurance in the virtual activity space of the Yuan universe is mainly based on two major considerations. One is that the current insurance product is serious and the product design lacks innovativeness, although some of the parts are partially partial, although part of the part of The insurance platform uses a scattered peripheral image "decorative" product IP, but failed to highlight the obvious core of the IP, resulting in the distance between the product and the user. The sense of distance and intimacy between insurance products and users; second, the young people in generations now have high requirements for brand value, product quality, purchase experience, etc., and hope to obtain a unique shopping experience. The unique experience is very popular with young people. By combining insurance products with the virtual image of the Yuan universe IP, it can effectively promote the interaction and matching of insurance products with generations of young people.

From the perspective of the person in charge of the above -mentioned insurance technology platform, the Yuan universe not only closes the sense of distance between insurance products and young people, but also reconstructs the relationship between insurance companies and insurance agents. In the past, insurance agents mainly learned about the characteristics and specific values ​​of insurance products through offline training conferences, but some agents may not be able to master the characteristics and terms of insurance products quickly, but through the virtual interactive meeting of the Yuan universe, the insurance agent can also use one with one Easitive ways to carry out in -depth interaction with insurance companies to better understand the specific value and characteristics of insurance products.

"At present, we are also assisting the insurance agent to set up their virtual image in the Yuan universe, and teach them how to establish contact with young people on the social platform that the young people like, so as to promote the insurance product that matches the concept of insurance concepts. . "He told reporters.

Li Zhe revealed to reporters that with the increasing integration of the Yuan universe and insurance marketing, the IP process of the "Xiong Insurance" product series of "Xiong Insurance" products will be further expanded in the Yuan universe channel. Behind this is that they find that the Yuan universe must be deeply integrated with the IP of insurance products, and needs to pass three major challenges. One is based on market feedback, in -depth analysis of customer behavior and scene data, and consumers' demand and product design of product design and product design. The process is accurately matched; the second is to integrate the concept of Insurance inclusive, carry out reverse customization for personalized products, and use scientific and technological power to customize high cost -effective products; the third is to cooperate with more upstream security offices to establish standardized sales and service interfaces for different products for different products. , Realize the one -stop standard product service function of I Yunbao. He bluntly said that I Yunbao is also exploring how to use the virtual interaction of the Yuan universe to further enhance the per capita production capacity of the insurance agent. In the past, an insurance agent has limited energy and may only serve customers with limited quantities, but through their virtual image in the world of the Yuan universe (after a certain training), they answered the relative standardized insurance concepts and insured doubts to the insurer. You can greatly broaden your own customer service scope and drive per capita production capacity.

From the perspective of many insurance companies, this may also be a new path to solve the bottleneck of the per capita product of insurance agents. In recent years, the loss of insurance agents has caused insurance companies to face the slowdown in premium growth. In this case, if the virtual interaction of the Yuan universe can effectively increase the per capita production capacity of insurance agents, or put the premium growth rate of insurance companies return to a benign growth trend.

(Coordinating: Ma Chunyuan)

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