40年(nián)逐夢前行(xíng)，40年(ni∑♦♦án)砥砺奮進，40年(nián)碩果累累。改革開(kāi)放(fàng)40年(nián)，中♣φ★★國(guó)實現(xiàn)了(le)從(cóng)“趕上(shàng)時(shí)代”到(dào©↔®)“**時(shí)代”的(de)偉大(dà)跨越，更見(jiàn)證了(le)互聯網發展的(de∑™±)中國(guó)奇迹。
共享單車(chē)、移動支付、網購(gòu)、高(gāo)鐵(tiě)成為(wè ©Ωi)當代中國(guó)的(de)“新四大(dà)發明(míng)”，生(shēng)活的γ ♣(de)改變顯而易見(jiàn)，時(shí)代的(de)變革呼之欲出。∞≠互聯網保險便是(shì)這(zhè)一(yī)時(shí)代變革的(de)必然産物(✘∑₩wù)，而中國(guó)人(rén)保作(zuò)為(wèi)财險領域的(de)領頭企♣Ω業(yè)，亦在互聯網的(de)浪潮中不(bù)斷革新，為(wèi≈•Ω©)用(yòng)戶提供更優質便捷的(de)服務。
互聯網保險的(de)萌芽與發展
我國(guó)互聯網保險始于1997年(nián)，中$'★®國(guó)保險學會(huì)和(hé)北(běi)京維信投資顧問(wèn)有(±¶yǒu)限公司發起成立第一(yī)個(gè)面向保險市(shì)場(chǎng)♠★和(hé)保險公司內(nèi)部信息化(huà ♣↔)管理(lǐ)需求的(de)中文(wén)網站(zhàn)——中國(guóβ©)保險信息網。當年(nián)該網促成國(guó)內(nèi)第一(yī)份網上(π₽£shàng)保單，标志(zhì)著(zhe)我國(guó)✘¶保險業(yè)邁入了(le)電(diàn)子(zǐ)商務的(de)大(dà)門(♣↓¶↓mén)。
2000年(nián)後，各大(dà)保險公司官方網站(zhàn)相(xiàng)繼成 £₽立，中國(guó)人(rén)保亦緊跟時(shí)代步伐，開(kāi)始了(le)企業(y∞ε✔è)門(mén)戶的(de)品牌展示及資訊傳播。
随著(zhe)電(diàn)子(zǐ)商務平台的(de)興起，互聯網市(shì)場(chǎnβδ≤g)迎來(lái)了(le)新一(yī)輪的(de)發展熱(rè)潮，互聯網保險作(zβ©αuò)為(wèi)一(yī)種便捷的(de)投保渠道(dà ≈¥o)進入人(rén)們視(shì)野。中國(guó÷÷∏£)人(rén)保在此階段開(kāi)啓了(le)電(diàn)商之路(lù)。2012年(nλ¥↕₽ián)，騰訊正式開(kāi)通(tōng)微(wēi)信公衆平台，随✔←×之，“中國(guó)人(rén)保”官方微(wēi)信服務γ♠&±号也(yě)應運而生(shēng)，實現(xiàn)了(le)産品與渠道(dào)的(de♠≠©)深度結合。與此同時(shí)，在智能(néng)手機(jī)的(de)全•§λ面普及下(xià)，用(yòng)戶越來(lái)越傾向于使用(yò←ng)手機(jī)來(lái)獲取資訊與購(gòu)買産品，互聯≤≥>網保險順應用(yòng)戶的(de)行(xíng)為(wèi)習(xí)慣，逐步由PC端向移動通(®•tōng)訊端拓展。為(wèi)順應市(shì)場φβ£(chǎng)及大(dà)環境的(de)改變，2014年(nián)中國(guó)人(rénδ₩)保重磅推出首款人(rén)保“一(yī)站(zh←★↓àn)式”服務APP，專注于向消費(fèi)者提供咨詢、投保等多(duō)項便捷服務，用(y®¥•∞òng)戶足不(bù)出戶便可(kě)輕松享受保險生(shēng)活。
改革開(kāi)放(fàng)40年(nián)，中國(guó)互聯網保險實現(x÷ ★>iàn)跨越式發展，并已建立完善的(de)服務系統。而中₹δΩ 國(guó)人(rén)保自(zì)開(kāi)展電(diàn)子(zǐ)商務業(yè)務Ω以來(lái)，陸續開(kāi)通(tō♥©ng)了(le)全國(guó)服務專線、電(diàn)話(huà)銷售專線、移動↕↑γ互聯平台、“中國(guó)人(rén)保”微(wēi)信公衆平台等，用(yòng)戶可(kě)随♦∞∞時(shí)随地(dì)享受包括保險知(zhī)∑₽識查詢、保險産品購(gòu)買，以及保險理(lǐ)賠等在內σ∞≈§(nèi)的(de)一(yī)站(zhàn)式在線服務≥★<≥；同時(shí)中國(guó)人(rén)保在财險行(✔↕xíng)業(yè)內(nèi)首推直升機(jī)救援服務，打造了(le)¥•←∞地(dì)空(kōng)一(yī)體(tǐ)的(de)救÷♥±援通(tōng)道(dào)。
中國(guó)人(rén)保互聯網平台的(de)發展，不(bù)僅順應了(le)改革開(∞↕±kāi)放(fàng)時(shí)代發展的(de)潮流，更為(wèi)用(yòng)>÷←戶提供了(le)快(kuài)捷方便的(de)服務，為(wèi)人(rén)民(mín)的φ♣λ→(de)生(shēng)命安全保駕護航。
互聯網保險帶來(lái)生(shēng)活巨變
創新服務模式 提升用(yòng)戶體(tǐ)驗
互聯網的(de)發展，創造了(le)****直♣ ♣₩達消費(fèi)者的(de)信息通(tōng)路(lù)。在辦理(lǐ)保險前，用(yò↑♦©≤ng)戶可(kě)通(tōng)過網絡了(le)解、對(duì)比不(bù)同的(↓α$÷de)保險産品，極大(dà)的(de)減少(shǎo)了(le)信息不(bù)對(duì)≥≠↓™稱，讓信息更透明(míng)。在此基礎上(shàng)，為$δ∏(wèi)實現(xiàn)以更**、便捷的(de)服務提升用(yòng)戶體(tǐ)驗，中國(guó)保險業(y€✔è)一(yī)直緻力于打造并完善線上(shàng)平台，進行→♥(xíng)服務模式創新，不(bù)斷實現(xiàn)服務升級。通(tōng)過完善₹'的(de)互聯網保險平台，用(yòng)戶不( ≠§bù)僅可(kě)以更全面的(de)了(le)解保險産品和(λ↑ σhé)投保程序，更可(kě)實現(xiàn)網上(shàng)投保、保險信息咨詢、繳費(fè''•i)、保單信息查詢、理(lǐ)賠等保險全過程。
中國(guó)人(rén)保一(yī)直堅持以用(yòng)戶為(wèi)中心，以創新 →π$服務模式、優化(huà)用(yòng)戶體(tǐ)驗等形式，強化(huà)服務升級。如(✔∏ ∞rú)中國(guó)人(rén)保APP 專業(yè)的(de)“道(dào)路(lδ ₩ù)救援”服務功能(néng)。用(yòng)戶線上(shàng€&>)一(yī)鍵發起道(dào)路(lù)救援，即可(kě)快(kuài)速獲得(de)救援安排≥®情況等信息反饋，及時(shí)跟蹤救援隊伍§ ∞的(de)*新進度。而在“拇指理(lǐ)賠”功能(néng)中，隻要(yào)是(shì ≥φ)人(rén)保家(jiā)庭自(zì)用(yòng)車(chē)用(✘×yòng)戶，動動手指點擊車(chē)險理(lǐ)賠，完成“一(yī)鍵δα報(bào)案、三張照(zhào)片、确認賬号”三個(→'↑"gè)簡單動作(zuò)，便可(kě)在線自(zì)助完成理(lǐ)賠，享受從Ω§δ(cóng)出險報(bào)案到(dào)收取賠款的(de)全流程一(yī)站(zhàn)式便€ ε捷服務。
電(diàn)子(zǐ)化(huà)革新 服務**便捷
互聯網保險誕生(shēng)後，用(yòng)戶在任何地(dì䙣)方有(yǒu)保險需求，都(dōu)可(kě)及時✘¥↔(shí)在線購(gòu)買完成投保手續。同時(shí)，用(yòng)戶足不(bù)出戶便ε¶↕可(kě)通(tōng)過互聯網保險平台進≈♣φ行(xíng)電(diàn)子(zǐ)化(h<♠÷uà)支付，一(yī)鍵生(shēng)成電(diàn)子(zǐ)保♥•π單、電(diàn)子(zǐ)發票(piào)，免去(qù)來(lái)回奔波之苦'∞₹。不(bù)僅大(dà)大(dà)簡化(hδ✔uà)了(le)中間(jiān)的(de)繁瑣交易環Ω節、節約了(le)用(yòng)戶在各環節的(de)等待時(shí)間(jiān)，同時(shí)♥δ¶也(yě)有(yǒu)效提升了(le)用(yòng)戶的(de)購(gòu)買σ↑↑σ效率。
如(rú)中國(guó)人(rén)保用(yòng)戶在填寫購(gòu)買保險信息後，隻✔∏×需選擇電(diàn)子(zǐ)保單選項，系統将自(zì)動生(shēng)成無紙(♥ ₹zhǐ)化(huà)電(diàn)子(zǐ)保單，不↑∏✔ (bù)僅立刻擁有(yǒu)保險保障，還(h☆¶ái)可(kě)在保障期間(jiān)随時(shí)随地(dì)上(shàng)網輕松查閱；辦理(≈Ωσ☆lǐ)保險變更、理(lǐ)賠等業(yè)務亦無需Ω±★∑攜帶紙(zhǐ)質保單，便捷、**之餘，也(yě)更具環保性。
實現(xiàn)信息共享 構建幫扶平台
如(rú)今社會(huì)已進入大(dà)數ε×(shù)據時(shí)代，數(shù)據滲透到(dào)經濟社會(huì)的(deδδ♦)各個(gè)領域。而保險業(yè)作(zuò)為(wèi)具有(yǒδ÷β<u)大(dà)數(shù)據天然屬性的(de)産業(yè)，加之受大(dà)數(s×σ✔hù)據、雲計(jì)算(suàn)等新興技(jì)術(shù→λ₹&)的(de)滲透和(hé)影(yǐng)響，正實現(xiàn)$ ★行(xíng)業(yè)數(shù)據信息的(de)開(kāi)放(fàng)共享。得σφ÷≤(de)益于此，近(jìn)年(nián)來(lái)互≈δ聯網保險才能(néng)夠深入扶貧公益事(shì)業(yè)，讓**扶貧從(cóng)“下( ₩xià)鄉(xiāng)”走向“在線”。
自(zì)創立以來(lái)，中國(guó)人 &♦(rén)保就(jiù)認真履行(xíng)優秀企業(yè)的(de)社會(huì)責任，&∞重視(shì)對(duì)用(yòng)戶、環境¥✔₹、社會(huì)的(de)貢獻。通(tōng)過人(rén)ε€ε保官網的(de)“人(rén)保扶貧”專區(qū)我們可(kě)見(jiàn)，中國(guó)人(★ rén)保一(yī)直響應國(guó)家←£(jiā)号召、借助互聯網平台積極投身(shēn)慈善事(shì)業(yè)€∑♥≈，開(kāi)展多(duō)項扶貧公益活動。如(rú)® 助力農(nóng)民(mín)脫貧攻堅，通(φ↕tōng)過保險扶貧、特色産業(yè)扶貧、公益扶貧等形式，開(kāi)展定點扶貧；支農₽φ(nóng)惠農(nóng)強農(nóng)富農(©♥nóng)，推動農(nóng)險升級擴面等。中國(guó)人(ré✘ n)保的(de)助農(nóng)扶貧公益活動，不(bù)僅幫助農(nóng)民(mín)過上(sσ Ω₩hàng)更好(hǎo)的(de)生(shēng)活，更助力構建了(le)産業(©£₹§yè)扶貧和(hé)防止返貧機(jī)制(zhì)；而用(yòng)戶買到(dào)的∑®α(de)農(nóng)産品也(yě)是(shì)人(rén)保精↑≈±Ω心挑選的(de)優質好(hǎo)産品，也(yě)是(shì)企業(yè)給予大(dà $δ£)衆的(de)傾情回報(bào)與優質回饋之←&$一(yī)。
改革開(kāi)放(fàng)永無止境，互聯網保險平φα×台發展革新永不(bù)止步。下(xià)一(yī)個(gè)四十年(niáαπ<↕n)，中國(guó)人(rén)保将繼續兼顧服務與責任，以更完≥✔ε<善強大(dà)的(de)互聯網平台，為(wèiβ≥®)用(yòng)戶提供更優質、更及時(shí↔'☆)、更貼心的(de)服務，為(wèi)人(rén)民(mín)的(σλde)美(měi)好(hǎo)生(shēng)活 €β保駕護航。（轉載自(zì)北(běi)國(guó)網）
From :businessinsuranceU.S★€. commercial property/casualty rates rose 5%®π> on average in the fourth quartφααer of 2019, up from 4% in the third quarter, ref€β✘lecting insurers’ intent to continue ₽≈to increase prices across most lines, o₹ <©nline insurance exchange MarketSco★←<ut Corp. said Monday.“Auto rat ↑✔e increases have been up all year '♠♣ long; however D&O (directors & o÷<↔★fficers) and professional rate increases have•♦ spiked significantly in the fourth quarte↔★¶r,” Richard Kerr, CEO of MarketScout Corp. said♣★✘♠ in a statement.Insurer→©↕s are carefully analyzing their property expoλ§÷sures using catastrophe modeling too ₽γls, he said. “We expect many of the major propert∞↔✘y catastrophe insurers to curtai←&l their 2020 writings in California β∏&®brush and East and Gu∞lf Coast wind areas. Naturalε∑ ♦ly, this will result in higher rates tΩ✔o insureds,” Mr. Kerr saidγ•π.D&O liability rates increased b "αy 8.25%, while commercial auto increase ∑d 8% in the quarter, and professional liability σεrates were up 6%, an÷ ↕d umbrella/excess rates φ€↔were up 5.5%, according to •€MarketScout.Commercial p©♥roperty rates increased 5.25% in∑α the quarter, and business interruption ratesΩ→ were up 5%, while all other lines showed sma&✔ller increases, except for workers compensatσφ₩ion, where rates fell 1%, MarketScout said.By ind∏∑βustry class, transpoπα≠rtation and habitational saw the highest Ω average rate increases ∑÷γat 9% and 8.25% respectively, MarketScφ≤out said.Large accouσ"π×nts – those with $250,001 to $1≈γ€ million in premium – sa®↑Ωw a rate hike of 5.5% in the fourth quar₩¶ter, as did jumbo accoun±εts, which have more than $1 mill₩"£®ion in premium. Small accounts – those with ®'✔up to $25,000 in premium – were up 5%, while mγ¥$™edium accounts – those wi★βδth $25,001 to $250,000 in pr→>←emium – were up 4.5%.The “steady trend” Ω"of upward rates reflects insurers’ plan>$s to continue increasing prices across all lines ♠€<except for workers compensatiδ♣β∑on, MarketScout said.&&'✔Organizer：China Insurance Digital & ®®γ"AI Development 2020Web:http://en.ze±↕₽nseegroup.com/p/560573/Contact:Ann 021$↔♦-65650305
From :insurancejournalIt €β≥was a relatively quiet year for the Southeastφ • in terms of major catastrophes compared with 20♠ 18 when Hurricane’s Michael±♠ and Florence caused major damage in ק™the region. This year, Hurrδφ✔ icane Dorian sideswiped the Southeast c♥≥oast and made landfall on the Outer©γλΩ Banks of North Carolina but most of ∑₽the area was spared. Still, Aon sa∏¥λid economic damage in the U.S. and Canada ♦→™;was poised to approach a combined $1.5 bill>≤★σion.Florida spent the year recovering from ≠→Hurricane Michael, which was u♥∑pgraded to a Category 5 ↑'♦storm by NOAA in April. Floriγ≠"$da officials have repeatedly&nbs&εp;called on the insurance industry to spΩβ↕✔eed up the recovery process, with nea♣'∏σrly 12% of claims still open a year after the stε₹&'orm hit.Organizer：China Insurance DΩ¥≥™igital & AI Development 2020We$>b:http://en.zenseegroup.com/p/560573/Contact:₹♣≠Ann 021-65650305
From:businessinsuranceeinsuranceε↔& renewals at Jan. 1, 2020, mainl♠φαy saw single-digit increases, with some$∞ exceptions, according to re€§γ ports by reinsurance brokers released≥♥× Thursday.Willis Re, the reinsurance bro¥©<kerage of Willis Towers Watson PLC, a•≠nd Guy Carpenter &'↔ Co. LLC, a unit of Marsh & McL&§÷€ennan Cos. Inc. both repo"₩rted that year-end reinsu≥>£←rance renewals varie"π €d by account and region, but the retrocessiΩπonal reinsurance was un™φ÷der pressure.Rates on lin↓↑< e for property catastrophe reinsu εrance programs remained sta §§ble and property per risk pricing ★∑≠was driven by individual pr×ogram performance, the WiΩ↓ llis report said.Although some Lloyd’s of L ♠ondon syndicates too✘₽k firm positions on rate incre∑δΩases and the London β∞♦βmarket authorized capacity de≠∞¥creased, that capactiy was∞ replaced by new capital and a st£§rong supply from other markets, W♥¶illis Re said.U.S. loss-free ac™>counts renewed at flat to up 10% while∑ those with losses saw increases of 10% to 50%, × the Willis Re report said, which Ω∑¥was among the largest increases. Prope≤✔rty catastrophe accounts without losses r∑↕♥ enewed at flat to up$Ω> 5%, while loss hit accounts were up 10% to ✔20%, Willis Re said.According to the Guy±★£× Carpenter report, the brokerage’s globalδ♣γ property catastrophe rate on line©₹↔ index rose 5% in 2019.According to the∞ ÷ Willis Re report, other large increases were se¥•en in Central and Eastern Europe, ¥ where property programs with losses sa©♦w increases of 5% to 20%, and Canada, where su ₩¶ch accounts renewed up 10% to 40♥%.Most other regions and countries saw property ≠≤increases in the single or low double digits,≠₹ the report said.The Jan.β↑ ε 1 renewals saw some “diffic•♣≥ult” negotiations, according to a let®πter in the report from James Kent, glob↕וal CEO, Willis Re.The Guy C'∞arpenter report said the §Ω↔↑reinsurance market was “asymmetrical,” adding “thφ×€₹is is certainly not a one-size✔☆φ♥-fits-all market” and while overal₩ σl capacity remained adequa&¶δte, “allocated capacityγ¶₹& tightened notably in stressed classes.”Deα≤dicated reinsurance capital rα ↔ose 2% in 2019 and the year saw ap¶&proximately $60 billion in global ins±≈ured catastrophe losses, according toΩ♦ Guy Carpenter, which was<↓≠ significantly lower than 2017 and 20γ∏ ♣18.Alternative capital, however, contracπ™ted by approximately 7% percent “☆αas investors were more cautious with new investmβ∞ents after assessing market dynamics and pric•>ing adequacy,” Guy Carpenter said.The re§'trocession market “was challenged …∏• by trapped capital, a lack of new capitφ€™≤al and continued redemptions from third-party ca" €÷pital providers,” a statement iss>±ued with the Guy Carpente><r report said.However, sigπ$"nificant retrocession providers retu≥×rned to the market in th↓≥→e past two weeks, Willis Re said.€∏∏Organizer：China Insurance Digitalφ≠ & AI Development 2020Web:http://enα∏₹¶.zenseegroup.com/p/560573/Contact:Ann 021£♥∞♣-65650305
Major information technology companies in In×®∏∏dia are running the risk of terminati₹&¶≠on of their $1 billion contrac↓₹γ ts following Boeing Co♥↔ ∞.’s decision to halt the production of its ♦♣737 Max jets, MoneyControl reported citing t∞✘§he Business Standard. Companies like Tata C≤α←€onsultancy Services Ltd., Infosys Ltd., HCLγ∏ Technologies Ltd., Cyient Ltd. and L&T Te☆↑chnology Services Ltd. have outsourcing contr↕↕acts with Boeing or its suppliers and Bo♣¶eing’s jet crisis is expected to affec$∏↓t these IT companies×¥∑ in the short run.From:bu↔§sinessinsuranceOrganizer：China Insurance Digita l & AI Development↔ε 2020Web:http://en.zenseegroup.c®λβom/p/560573/Contact:Ann 021-65650305
France-based eyewear maker Essilor Internati' onal S.A. has discovered fraudulent activi→γ←↕ties at one of its factories iα¥≥n Thailand that could cause €190 million ($γβ'213 million) in financial losses to t∞Ωhe company, The Irish Times ∏ reported citing Reuteδ←rs. The company has filed c✔φ®∞omplaints in Thailand and has fired$"' all the involved emp₽±•©loyees. It hopes to recover the losses from '≤$frozen bank accounts, insurance and l ♣ ≈awsuits.Organizer：China Insura≥÷nce Digital & AI Development 2020±≈↔☆Web:http://en.zenseegroup.co →m/p/560573/Contact:Ann 021-≠π65650305
