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问题一:您对中国目前以及未来三到五年内的保险市场有何看法?

尽管众安取得了成功,保险科技也得到了普及,但是中国的保险业仍处于非常早期的阶段——综合渗透率仅为4%。虽然现状如此,但中国已经是全球第三大保险市场,并且预计到2025年将以国内经济的两倍速度增长。

总体来说,我认为有两项重大发展将改变中国保险行业的面貌。

首先是中国的人口老龄化。

到2030年,上海近一半的人口将超过60岁。有几家保险公司正在投资建立退休社区,并为退休人员开发产品。然而,保险公司需要做到的远不止这一点,他们还需要考虑如何开发出差异化的新产品,以针对该人口结构的变化实现利益最大化。

中国保险业的第二大变革是千禧一代的消费行为与其父母截然不同。在不到20年的时间里,互联网已经从一个可用资源变成了日常生活中不可或缺的一部分。现在的年轻人越来越多地使用智能手机,以享受其提供的包括交通,医疗保健,家庭安全和支付等等在内的各种服务。

问题二:分销模式将如何发展?

在考虑分销渠道时,将汽车,健康和人寿保险区分开很重要,因为在未来几年,每一种保险可能受到的干扰因素都迥然不同。

然而,由于共享汽车和自动驾驶汽车的兴起,互联交通这一概念逐步推广,将会大大降低汽车保有率,保险公司也需要为自动驾驶汽车无法运行的情况(例如大雨)提供额外保险。乐观地来看,会出现交通网络安全以及为自动驾驶汽车运作能力之外的情形承保的风险,这些将会增加自动驾驶汽车所带来的保费收入损失。

在人寿/健康保险方面,代理商和银行保险仍占据了这一细分市场的主要分销渠道,与当前流行的数字化观点相反,我预计这种渠道在在线模式的冲击下仍会保持惊人的适应能力。

问题三:平台和互联网保险公司与传统保险公司相比有什么优势?

其优点包括:

1)用于以使用功能及个性化为基础,为用户量身定制策略的数据(用户行为数据,位置数据,交易数据)。

2)凭借各类分销渠道(旅游门户,电子商务)—— 来进行交叉保险销售。

3)品牌认知度和用户参与度——用户日常使用的广为人知的品牌。


问题四:传统保险公司可以通过什么样的方式与保险科技进行竞争?

传统保险公司每天都在问自己这个问题。到目前为止,传统保险公司已经建立了企业风险投资和孵化实验室,但我认为,他们如果希望在纯粹的互联网竞争中仍然保持当前的市场份额,要做的还远不止这么多。

中国的保险规模允许传统保险公司将重点放在慢性病管理(糖尿病,乙型肝炎,肥胖)等特定部门。这些细分市场对于互联网公司来说更难以竞争,因为慢性疾病承保需要公司具有成熟的承保能力并提供其难以掌握的额外服务。

问题五:成功的关键驱动力是什么?

从根本上来说,我认为任何公司的成功都只关乎相关人员的效率。感知和适应不断变化的环境,部署新的商业模式,建立品牌,实现利润最大化并为社会做出贡献的能力,都是源于人而不是技术。归根究底,人才争夺战是最重要的成功驱动力。

 

阅读最新的保险创新新闻报道的特点和我国在微信上访问我们的网页

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