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互联网保险理赔难?数据告诉你真相
2019-01-12

*新数据显示,2018年安心保险理赔获赔率均值为99.8%(行业均值99.62),案均报案支付周期均值为:7.45天(行业均值14.50天)。 9月份安心全国车险小额理赔5日结案率为99.47%(行业均值98.19%),车险小额理赔平均索赔支付周期0.27天(行业值0.72天),且1-8月结案周期、结案率等指标明显优于其他几家互联网保险公司。自成立以来,安心保险一直以解决理赔难、流程繁琐问题为初衷,努力打造“简单的保险”。理赔效率的提升,得益于安心保险不断创新服务理念,通过自助研发及引入第三方成熟的保险科技力量,将互联网思维贯穿理赔服务全流程。

  全流程“一键式”服务,开启理赔服务新时代

  安心保险天然带有互联网基因,是首家系统在云上被保监会验收的保险公司。通过自主研发、迎合消费者使用需求,安心保险借助APP、微信等平台搭建了一套完整的在线承保、理赔业务流程,用户可在手机自助操作,一键式承保理赔。基于人工智能的应用、风控和理赔模式的创新,安心保险创造了独有的车险运营模式——承保、查勘、定损均可在手机上一键完成,并实时查看理赔进度,同时创新推出视频理赔模式,投保客户出险后,可微信与客服一对一在线视频,客服远程指导查勘,省时省力。

  为了完善互联网保险的线下服务,安心保险率先提出“全国理赔一张网”理念,一张保单保全国,建立了35家服务中心,与41家全国性和地方性公估公司签订了合作协议,与全国近万家合作修理机构签订了理赔协助服务协议。确保线上线下服务**率的无缝对接,为业务的高速运转奠定了基础。

  人工智能,承保、理赔双优化

  与此同时,安心保险还积极应用*前沿的保险科技不断优化理赔体验,引进智能语音机器人。除了在线“猜你所想”、“答疑解惑”外,机器人还可以进行“理赔指路”,即引导客户上传理赔材料,客户可通过点击链接进入材料上传操作页面直接上传理赔资料,方便快捷。同时安心保险还为客户提供了不同场景的在线语音客服服务,如新契约回访、结案支付回访、满意度调查等。经测算,机器人的工作效率是人工客服的6倍以上,但相同工作量费用仅为人工客服的三分之一左右。安心保险相关负责人表示,智能机器人的使用,有效降低了人力成本投入,可连续7*24小时为客户提供**、稳定的客服服务,极大满足了用户需求,优化了用户体验。

  从整个行业来看,互联网保险行业目前尚处于初级阶段,在商业模式、服务创新上都还有很长的路要走。只有不断坚定保险科技创新之路,持续应用大数据、移动互联、区块链等技术来创新业务模式,提升服务品质,才能带动整个行业的互联网化转型,重塑保险理赔服务。

来源:环球财富网

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From :businessinsuranceU.S. commercial property/casualty rates rose 5% on average in the fourth quarter of 2019, up from 4% in the third quarter, reflecting insurers’ intent to continue to increase prices across most lines, online insurance exchange MarketScout Corp. said Monday.“Auto rate increases have been up all year long; however D&O (directors & officers) and professional rate increases have spiked significantly in the fourth quarter,” Richard Kerr, CEO of MarketScout Corp. said in a statement.Insurers are carefully analyzing their property exposures using catastrophe modeling tools, he said. “We expect many of the major property catastrophe insurers to curtail their 2020 writings in California brush and East and Gulf Coast wind areas. Naturally, this will result in higher rates to insureds,” Mr. Kerr said.D&O liability rates increased by 8.25%, while commercial auto increased 8% in the quarter, and professional liability rates were up 6%, and umbrella/excess rates were up 5.5%, according to MarketScout.Commercial property rates increased 5.25% in the quarter, and business interruption rates were up 5%, while all other lines showed smaller increases, except for workers compensation, where rates fell 1%, MarketScout said.By industry class, transportation and habitational saw the highest average rate increases at 9% and 8.25% respectively, MarketScout said.Large accounts – those with $250,001 to $1 million in premium – saw a rate hike of 5.5% in the fourth quarter, as did jumbo accounts, which have more than $1 million in premium. Small accounts – those with up to $25,000 in premium – were up 5%, while medium accounts – those with $25,001 to $250,000 in premium – were up 4.5%.The “steady trend” of upward rates reflects insurers’ plans to continue increasing prices across all lines except for workers compensation, MarketScout said.Organizer:China Insurance Digital & AI Development 2020Web:http://en.zenseegroup.com/p/560573/Contact:Ann 021-65650305

From :insurancejournalIt was a relatively quiet year for the Southeast in terms of major catastrophes compared with 2018 when Hurricane’s Michael and Florence caused major damage in the region. This year, Hurricane Dorian sideswiped the Southeast coast and made landfall on the Outer Banks of North Carolina but most of the area was spared. Still, Aon said economic damage in the U.S. and Canada was poised to approach a combined $1.5 billion.Florida spent the year recovering from Hurricane Michael, which was upgraded to a Category 5 storm by NOAA in April. Florida officials have repeatedly called on the insurance industry to speed up the recovery process, with nearly 12% of claims still open a year after the storm hit.Organizer:China Insurance Digital & AI Development 2020Web:http://en.zenseegroup.com/p/560573/Contact:Ann 021-65650305

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France-based eyewear maker Essilor International S.A. has discovered fraudulent activities at one of its factories in Thailand that could cause €190 million ($213 million) in financial losses to the company, The Irish Times reported citing Reuters. The company has filed complaints in Thailand and has fired all the involved employees. It hopes to recover the losses from frozen bank accounts, insurance and lawsuits.Organizer:China Insurance Digital & AI Development 2020Web:http://en.zenseegroup.com/p/560573/Contact:Ann 021-65650305

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