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众安保险陈劲:科技对保险价值链重塑已进入“深水区”
2019-01-12

“在众安,科技对保险业务的赋能已从初期更多侧重于渠道创新,转向侧重于精细化管理创新。科技对保险价值链的重塑已经进入保险风控、理赔等业务深处,”9月12日,在主题为“科技服务新生代“的开放日活动中,众安保险CEO陈劲如此阐述众安的科技演进。

这是众安赴港上市后**与投资人、合作伙伴分享创新路上的所思所想所为。作为国内首家互联网保险公司,从2013年的“小而美“,到2017年的”破与立“,再到如今,众安已在保险科技的大道上走过近五年。

所谓“心存敬畏 行有所止”,陈劲认为,众安在过去五年,敬畏金融边界,深化科技普惠,坚持保险科技战略,并以此给予勇敢逐梦的新生代人群真正的支持和温暖。

以下是演讲全文:

这是一张全家福。照片中的梁先生是80后。几年前,妻子不幸得了癌症。他很快做了一个决定,卖掉房子。然后,他想到了儿子。如果有一天,儿子也病了呢?于是,梁先生认认真真地在网上给儿子和自己都选了一份中端医疗险,众安的尊享e生,花了1000多块。

投保的第一年,平安。但第二年,小小梁病了。今年2月2日,他查出右侧小脑半球占位性病变,需要马上住院治疗。梁先生没有第二套房子。

后面的故事,很多人可能猜到了。我们先后两次为小小梁垫付了总计14万的住院费,并协助梁家办理了后续所有的理赔。目前,小小梁的身体恢复得很好。他们一家重新开始了奋斗。

是的,这是一个奋斗的时代,追梦不易,无问西东。我们要雪中送炭,但我们更要为那些勇敢筑梦的年轻人真正的支持和温暖。

比如,蚂蚁保险社区中有一个叫做保民公社的论坛,聚集了一批80、90后。其中不乏互联网公司的员工。他们担心一个问题:天天熬夜,猝死了怎么办?

这就是年轻人的坦率。他们不仅不忌讳谈论身故保险,还敢于主动表达这种需求。他们甚至发起海选投票,选中了众安来做这样的产品。这就是我们的奋斗无忧保。


又如,网上有调查指出,中国的新生代都爱自拍,甚至75%的人会带着手机上厕所,而25%的人,手机还曾掉进厕所里。所以,我们做了手机意外保。

再如,年轻的姑娘爱美,微整形,比如整牙,就是很多人想尝试的。目前,通过信用保证保险,我们帮助了近10万年轻人去实现美丽的梦想。

我们的团队非常年轻,截至8月底,平均年龄只有29.5岁。年轻人*懂年轻人。过去五年,我们围绕年轻人的需求,在互联网上做了很多产品。我们与农分期合作,鼓励大学生回乡创业。我们提供可以承保高风险运动的驴友保险、子女可以买给父母的孝欣保、运动达人喜爱的步步保,等等。

这些产品因为简单、实惠、体验好而广受年轻网民的喜爱,并成为很多中国互联网新生代的第一张保单。

今年上半年,我们的收入翻番,卖出的保单数量达到了25.6亿张。按照A4纸的宽度计算,25.6亿份保单排起来可以绕赤道1/6周。我们服务的用户数达到3亿,相当于全国人口的21.7%。其中,18-39岁的青年人群占比达到57.8%。

年轻人爱旅游,放飞自我。截至6月底,众安旅行险投保用户中,20-35岁的年轻人占比47%。

年轻人关注健康。今年6月,我们对尊享e生系列622位年龄在18至40周岁之间的存量用户进行电话回访。其中,404位用户表示,尊享e生系列是他们主动购买的第一份健康保单,占总接通量的64.9%。

海量用户、海量保单,这些之所以成为可能,得益于众安的科技力量。我们广泛应用人工智能技术,在客服部门,智能客服使用率已达到70%,甚至,众安精灵也成为了主持人。我们深度参与制定区块链相关的ISO标准,参与该项目的中国专家组共14人,其中,6人来自众安科技。我们有跑在云上的核心系统,使得一款新产品从设计到上线只需5-10天,而且可以承受每秒3.2万单的峰值压力。我们收集、挖掘、运用大数据。比如在消费金融生态中,众安目前已与近百家生态场景合作,触达3000多万用户,由此衍生出万级的特征衍生变量,从而构建出全面而立体的用户画像。

在众安,科技对保险业务的赋能已从初期更多侧重于渠道创新,转向侧重于精细化管理创新。科技对保险价值链的重塑已经进入保险风控、理赔等业务深处。

在这个过程中,我们完成了从IT到DT的转变。在DT时代,互联网的触达能力,已经从简单的金融服务,比如支付、货基、借贷、简单的保险和财富,向金融价值链的高端逐步上升。DT对金融业态的颠覆性改变是现代金融业自工业革命时诞生以来*大的变革,远远超过电报、电话对金融的影响。

DT像水电一样宝贵,我们珍惜这个时代赐予的机会,就像那些年轻人珍惜逐梦的机会一样。

五年前,当我们走进众安,心中其实带着对生命、对风险的深深敬畏。我们希望用这样的敬畏托起年轻一代无畏向前的精神,让他们能够发挥想象、超越极限、挑战自我;以敬畏、敬无畏;以科技服务新生代。(转载自中国经济网)


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