The Rolle incident quickly touched the public's nerves in the near future, but in addition to charity, marketing and true and false rhetoric, "medical insurance control fees" also played a significant role in the development of the entire event - it is the Rohr article that the self-reported medical insurance reimbursement ratio is very Small, it has triggered a public reward for donations in hopes of helping them reduce the burden of medical expenses.
It can be said that insurance is probably one of the most mature industries so far, but it is clearly one of the industries that lack the most public awareness. On the one hand, insurance in the public view is a “salesman†who sells insurance in various forms. This seems to be a highly saturated industry. On the other hand, insurance in the public impression is often related to “significant†and “importantâ€. Consumers will consider an insurance policy if they are related to life or property.
For example, smog may cause diseases in the respiratory tract and lungs, but would you have a “fog danger†for this? Will traditional insurance companies spend money and energy on such insurance? This is obviously not something that the general public will participate in, nor is it the traditional insurance company's willingness to put it into cost – but it does not mean that there is no value and prospects.
Founder and CEO of Dabao Insurance Zhou Lei
This is why Zhou Lei decided to leave the international insurance giant executive position and create a big special insurance, and Zhou Lei also believes that he has found the most core weapon - Internet insurance products.
Prior to founding the Grand Insurance in July 2014, Zhou Lei had been in the insurance industry for more than 20 years. He previously served as China Vice President and Acting Channel Director of AIU Insurance, Senior Vice President and Channel Director of Zurich Insurance China, and Allianz Rescue Chief Channel Officer of China.
In Shanghai, executives of well-known foreign companies are enviable positions, their status is not low, and their income is quite high. However, Zhou Lei believes that the essential needs of the insurance industry have not yet been resolved. There is no product that returns to the nature of insurance, which can be used for the widest range of users, and can also open channels and costs through the Internet. So he wants to give it a try:
“The insurance industry is developing very fast, whether it is from the annual growth rate, or the growth of the industry itself, and the growth of premiums. In the past two decades, almost no industry has grown as fast as the insurance industry. But growth is going at the same time. Behind him, the so-called insurance penetration rate has not changed qualitatively. That is to say, insurance has basically been serving a certain affluent population. However, the people are relatively low income, they actually More need for a pure insurance guarantee, this has not been done in our industry."
At the same time, Zhou Lei believes that the popularity of the Internet has reached a level that can be combined with insurance depth. The first is that people who have grown up with the Internet are beginning to face demand, and payment methods and payment capabilities have been resolved. In addition, the capital market has begun to pay more attention to Internet insurance, and the market turmoil is faint.
Therefore, in terms of specific implementation, the big special insurance directly cuts into the front end of product research and development, uses the advantage of the Internet to change the traditional insurance form, and dismantles the risk of traditional insurance bundling, so that the insurance is more in line with the individualized needs of consumers, especially the health insurance. The cost of purchase is based on market gaps and the real needs of consumers, and launches scarce products in the market.
For example, for medical insurance, Da Tak medical insurance has been introduced to fill the gaps in the current mid-end medical insurance. In addition, it has jointly launched the high-end medical insurance with the well-known top three hospitals in Shanghai, and cooperated with the hospital to realize medical insurance control fees. .
In addition, because the products and products are all realized through the Internet, the big special insurance does not have the cost of traditional insurance, and can introduce more products that users care about but low price.
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