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支付寶放(fàng)大(dà)招！讓互聯網保險圈顫抖的(de)産品來(lái)了(le)
來(lái)源:中國(guó)基金(jīn)報(bào)
有(yǒu)一(yī)款這(zhè)樣針對(duì)100種大(dà)病的(de)保險，40★ε歲以下(xià)的(de)年(nián)輕人(rén)每年(nián)隻要(yào)幾百< 元就(jiù)可(kě)以享受30萬元的(de)保障；而φ∑¶✔同樣30萬元的(de)保障，商業(yè)重疾險每年(nián)需要(yào)交γφ✔數(shù)千元甚至上(shàng)萬元的(deβ ↔♠)保費(fèi)。昨晚，又(yòu)一(yī)爆款互$聯網保險刷爆社交媒體(tǐ)，螞蟻保險、信美(měi)相(xi♦∏≥àng)互聯手面向螞蟻會(huì)員(yuán)推出“相(xià✔εβng)互保”，實現(xiàn)大(dà)病保障低(dī)門(mén)π↔↕檻、高(gāo)透明(míng)、還(hái)能(néng)互助共濟。
相(xiàng)互保險投入少(shǎo)回報(bào)高§>£(gāo)
不(bù)想買傳統商業(yè)重疾險的(de)話(huà)，價高(gāo)、不← ✔ (bù)了(le)解、不(bù)信任，還(hái)有(yǒu)一(yī)種選擇，就(ji α♣ù)是(shì)參加相(xiàng)互保險。
什(shén)麽是(shì)相(xiàng)互保險呢(ne)？2015♥↑×年(nián)原保監會(huì)發布的(de)《相(xiàng)互保險組織監管™₹π<試行(xíng)辦法》對(duì)其作(zφ∏£uò)出的(de)定義是(shì)：相(xiàng)互保險是(shì)指具有(yǒu)同質♣&風(fēng)險保障需求的(de)單位或個(gè)人(rén)，通(tōng)過訂立合同成為★☆(wèi)會(huì)員(yuán)，并繳納保費→♠§(fèi)形成互助基金(jīn)，由該基金(jīn)對(Ωγ®duì)合同約定的(de)事(shì)故發生(shēng)所造成的(de)損失承擔賠償責任，或者當 αε被保險人(rén)死亡、傷殘、疾病或者達到(dào)合同約定的(de)年(ni€€✘án)齡、期限等條件(jiàn)時(shí)承擔給付保險金(jīn)責任的$₽(de)保險活動。
簡而言之，相(xiàng)互保險是(shì)一(₽&☆yī)群人(rén)在平等自(zì)願基礎上(shàng)，以互相(xiàng)'α幫助為(wèi)目的(de)而成立的(de)資金(jīn)池，當成員(yuán)發生>♥(shēng)風(fēng)險時(shí)，可•$(kě)以兌付一(yī)定的(de)資金(jīn)緩解燃眉之急。
相(xiàng)互保險與傳統商業(yè)保險較大(dà)的(de)不(bù)同之處是(s™¶hì)，沒有(yǒu)外(wài)部股東(dōng)，由全體(tǐ)投→∑保人(rén)共同所有(yǒu)，不(bù)存在投保人(rén)與保險人(rén)之間(jiān¥♣)的(de)利益沖突，能(néng)夠較好(hǎoα☆)地(dì)實現(xiàn)以客戶利益為(wèi)中心，并由客戶參與管理(lǐ)，從(cóngΩσ)而有(yǒu)效避免保險人(rén)不(bù)當經營和(hé)被≥₩保險人(rén)欺詐所導緻的(de)道(¥£ dào)德風(fēng)險。相(xiàng)互保險在發達國(guó)家(jiā)有(✘✘≥yǒu)100多(duō)年(nián) ★的(de)曆史，是(shì)當前世界保險市(shì)場(chǎng)上(shàn®↓g)的(de)主流組織形式之一(yī)。而中¥∞φ國(guó)直到(dào)2017年(nián)才有(yǒu ☆)首批相(xiàng)互保險公司開(kāi)業(yè)，分&÷☆(fēn)别是(shì)衆惠相(xiàng)互、彙友(yǒu)建工(gōng≈β )和(hé)信美(měi)相(xiàng)互.
然而開(kāi)業(yè)一(yī)年(nián)多"$↔↕(duō)以來(lái)，相(xiàng)互保險并不(bù)是(shì)廣為(wèi)老(€¶≤€lǎo)百姓熟知(zhī)。此次，支付寶上(shàng)線“相(xiàng)互保”，•"或将會(huì)繼餘額寶普及貨基理(lǐ)财後，再一(yī)次将相♦$<σ(xiàng)互保險的(de)理(lǐ)念植✘'©入老(lǎo)百姓心中。截至10月(yuè)16日(rì)晚8點15₩♣&分(fēn)基金(jīn)君發稿時(shí)，已有(yǒu)近(jìn)50萬人(rén)參加σ₽ 相(xiàng)互保。
60歲以下(xià)芝麻分(fēn)650分(fēn)及以上(shàng)的÷←(de)螞蟻會(huì)員(yuán)無需交費(↔βα±fèi)，就(jiù)能(néng)加入“相(xiàng)互保”，獲得(de)包括♣惡性腫瘤在內(nèi)的(de)100種大(dà)病保障，在他(tā)人(rén)患病産生(±Ω↓±shēng)賠付時(shí)才參與費(fèi)用(yòng)分(fēn)攤₹$☆，自(zì)身(shēn)患病則可(kě)一(yī₽σ₩)次性領取保障金(jīn)。
“相(xiàng)互保”采用(yòng)風(fēng)險共擔的(de)機(jī)制(←€zhì)，這(zhè)種“人(rén)人(ré ☆₽n)為(wèi)我，我為(wèi)人(rén)人(r₹>βén)”的(de)模式，此前也(yě)出現(xiàn)在一(γ&yī)些(xiē)互聯網互助産品中，但(dàn)兩者卻∞↑π有(yǒu)著(zhe)本質不(bù)同。“相(xiàng)互保”是(sσ§hì)經過向銀(yín)保監會(huì)備案通(tōng)過的(de)保險産品，≠★産品提供方信美(měi)相(xiàng)互擁有(yǒu)國(guó)內(nèiσ£♠λ)首家(jiā)相(xiàng)互制(zhì)☆ 壽險牌照(zhào)，接受銀(yín)保監會(huì €)的(de)指導和(hé)監管，能(néng)夠長(cháng)期穩健運營 ε₩“。據了(le)解，此前産品在預約階段，就(jiù)吸引了(le)超過1 §000萬人(rén)參與，尤其是(shì)年(nián)輕群體(tǐ)對(duì)”互助共濟接受度頗高(gāo)。
*高(gāo)獲30萬元保障進出自(zì)由
對(duì)于40歲以下(xià)的(de)年(nián)輕人(rén)而言，“相(xiàng)♠×'₹互保”是(shì)一(yī)款杠杆率極高(gāo)的(de)新型保險，現(xiàn)在↓λ 0元加入即免費(fèi)撬動30萬元的(de)杠↑₩杆。據“相(xiàng)互保”産品資料顯示，初次确診年(nián)齡在39✔≈周歲及以下(xià)享30萬保障金(jīn)，40到(dào)59周歲享εα10萬保障金(jīn)，保障範圍均為(wèi)包含癌症在內(nèi)的(de)100種大(×εdà)病。
作(zuò)為(wèi)一(yī)項保險服務，大(dà)≈↕↔♣衆普遍關心其付費(fèi)機(jī)制(zhì)。對(dλ™uì)此，“相(xiàng)互保”相(xiàng)關負責人(rén)方勇介紹，與一(yī)般保險&∞♦•産品根據疾病發生(shēng)率定價、需先行(xíng)支付固定∑δσβ保費(fèi)不(bù)同，“相(xiàng)互保”服務根據實Ω₽ 際發生(shēng)賠付案例的(de)情況進π♠行(xíng)費(fèi)用(yòng)€©分(fēn)攤。
根據規則，每月(yuè)兩次公示、兩次分(fēn)攤。在公示日(r↕®$ì)，期間(jiān)發生(shēng)的(de)确診賠案均會(huì∞ε® )在适度隐藏敏感信息的(de)前提下(xià)，給予公示并接受異議(yì)申訴。公♠±✔<示無異議(yì)的(de)所有(yǒu)賠案産生(shēng)的(de)保ασ障金(jīn)，加上(shàng)規定的(de)10%>•↕€管理(lǐ)費(fèi)，會(huì)在✘ ✘±分(fēn)攤日(rì)由所有(yǒu)用(yòng)戶均攤。錢(qián)花(huā)在哪裡✘↓≤(lǐ)，每個(gè)參與者需要(yào)分(fē ©n)攤多(duō)少(shǎo)錢(qián)，完全公開(kāi)透明(míng)。
方勇表示，均攤實際金(jīn)額視(shì)每期公示的(de)實際情¶£"況而定。但(dàn)單一(yī)出險案例中，每個(gè)用(yòng)戶被分(fēn)攤到(dàoγπ<)的(de)金(jīn)額不(bù)會(huì)超過1毛錢(qián)。假設同♠"時(shí)有(yǒu)500萬人(rén)參₽∞♦ 加“相(xiàng)互保”，按照(zhà <©♥o)*高(gāo)30萬賠付額計(jì)算(suàn)，同時(₽↓shí)有(yǒu)100人(rén)要(yào)賠付，加上(sh♠δ≤λàng)10%的(de)管理(lǐ)費(fèi)，每人(rén)在分(♠ε¥≠fēn)攤日(rì)隻要(yào)分(fēn'♣)攤6.6元，假使每次都(dōu)分(fēn)攤6.6元，一(yī)年(n¥ ↕ián)下(xià)來(lái)隻要(yào♥α)分(fēn)攤158.4元。基金(jīn)君買'了(le)一(yī)款30萬保額的(de)商業(yè)重疾險，每年(nián$§∑)要(yào)繳7000多(duō)元保費(fèi)，
至于患病可(kě)以拿(ná)到(dào)多(duō)少≥¥(shǎo)錢(qián)，則要(yào)看(kàn)用(→ ✔yòng)戶初次确診重疾時(shí)的(de)年(nián)齡：不(bΩδ<<ù)滿四十歲，賠付金(jīn)額為(wèi)30萬，超過四十歲，則為(wèi)10萬。"±ε↑确診患病，隻需手機(jī)拍(pāi)照(zhào)上(shàng)傳相(xiàng)關憑證σ↑£↕，公示無異議(yì)後就(jiù)能(néng)一(yī)次性拿(ná)到(dào)保障金★¶(jīn)。下(xià)圖是(shì)理(lǐ)賠流程：
如(rú)果不(bù)願意繼續分(fēn)攤，用(yòng)戶在完成公示分(fēn)γλ攤後，選擇随時(shí)退出。退出分(fē&δn)攤後不(bù)返還(hái)已分(fēn ÷♣)攤的(de)費(fèi)用(yòng)，假設一(yī)年(n"Ωián)分(fēn)攤了(le)158.4元後退出，相(xiàng)當于獻愛(ài)βλ心幫助了(le)需要(yào)的(de)人(rén)。而基₩αα金(jīn)君買的(de)重疾險繳費(fèi)一(yī)年(nián)後想退保的(de)話(huàδ'♥¥)，隻能(néng)退回約1000元的(de)現(xiàn)金(jīn)。對(duì)于±年(nián)輕人(rén)而言，這(zhè)是(s↓>↔αhì)一(yī)款性價比極高(gāo)的(de)保險。
此外(wài)，“相(xiàng)互保”還(hái)可(kě)以為(wèi)✔€家(jiā)人(rén)加入，目前僅為(wèi)未滿18歲且身(shēn)體(tǐ)健狀況符合相(π¶xiàng)互保健康告知(zhī)的(de)要(yào)求，子(zǐ)女(nǚ)的(de)每期>&分(fēn)攤金(jīn)額将從(cóng)家(jiā)£€>長(cháng)的(de)支付寶帳戶自(zì)動扣取。
From :businessinsuranceU.S. commercial property/c¥$&↕asualty rates rose 5% on averag÷ β"e in the fourth quar♣™"ter of 2019, up from 4% in the third quar♣×ter, reflecting insurers’ intent to≤♣ continue to increase£&₩ prices across most lines, online insur≤♣ance exchange Marketε ¥αScout Corp. said Monday.“Auto rate incΩ™reases have been up all year φ♦↓δlong; however D&O (directors & off<♥≠icers) and professional rate incre¥♠>&ases have spiked significantly in the fourth qua∞§rter,” Richard Kerr, CEO of MarketScout Co≤♣$rp. said in a statement.Insuφ Ωrers are carefully analyzi₩↑®ng their property exposures using catastroph¥↓☆e modeling tools, he said∞≠. “We expect many of the major prop₽$↕erty catastrophe insurers to curtail th♥eir 2020 writings in California brush$>¥ and East and Gulf Coast wind are∞εas. Naturally, this wil<±l result in higher rates to insureds,” Mr ↑∏₽. Kerr said.D&O liability rates inc÷♥>×reased by 8.25%, while commer ≥∑ cial auto increased 8% in the quarter, and profe₽"ssional liability rates were up 6%, and¥& umbrella/excess rates were up 5.5%, acc≈± ording to MarketScout.Commercial pα₽'roperty rates increasφ↔ed 5.25% in the quar≠ter, and business interruption rates ∏♦were up 5%, while al☆€l other lines showed smaller increases, excep↔•t for workers compensation, where rates fe∏ ll 1%, MarketScout said.By industry class, trans♣≥φportation and habitational saw the highest avera¶φ×≤ge rate increases at 9%≈₽ and 8.25% respectively, MarketScout said.Large δaccounts – those with $250,001 to $1 million in p↕←remium – saw a rate hike of 5.5% in↑∞> the fourth quarter, as did ju≠↑α↓mbo accounts, which have±↑ ₽ more than $1 million inαπ premium. Small accounts – thoβ♦≤se with up to $25,000 in premium – w←δere up 5%, while medium accounts – those♣€ with $25,001 to $250,000 i←®n premium – were up 4.5%.The “steady trend”≠λε of upward rates reflects insurers’ plans toλ® continue increasing prices across all lin≥<es except for workers compensation, M↔♣€arketScout said.Organizer： ★<×China Insurance Digital & AI Development 2★÷$020Web:http://en.zen∞×seegroup.com/p/560573/Contact:Ann 021-65650305
From :insurancejournalIt was a re±γγ'latively quiet year for the S>outheast in terms of major catastrophes comp∏γared with 2018 when Hurricane’s M✔€¥ichael and Florence caused maδ✘♦∏jor damage in the region. This year,&nbs☆γ™p;Hurricane Dorian sideswiped th®δ"e Southeast coast and made landf¶₩∏¶all on the Outer Banks of No≠¶•¥rth Carolina but most of the area ♠ was spared. Still, Aon said eco₩↓'nomic damage in the U.S. and Canada¶₩π£ was poised to approach₩✘ a combined $1.5 billion.↔Ω↑βFlorida spent the year recovering from Hurrican§≤>₽e Michael, which was upgraded to a Cate$©↓gory 5 storm by NOAA in April. Floriφ'da officials have repeatedly called ♦"on the insurance industry to speed up the recover&εy process, with nearly 12% of claims still ∑©♦open a year after the storm hit.Org₽∑ ↓anizer：China Insurance Digital & AI™> Development 2020Web:htδ'αβtp://en.zenseegroup.com/p/560573/Contact:A∑π≠γnn 021-65650305
From:businessinsuranceeinsurance r∞₽enewals at Jan. 1, 2020, mainly saw single-d ♥igit increases, with some exceptions, according t±×o reports by reinsurance brokers released Thursd♠>☆ay.Willis Re, the rein ←surance brokerage of Willis Towers ≤λ©Watson PLC, and Guy Carpenter & Co≈γ↓★. LLC, a unit of Marsh & McLennanπ£¥ Cos. Inc. both reported tha÷λ♦t year-end reinsurance renewals<εγ varied by account and region, but the retroc×&★essional reinsurance was undΩπer pressure.Rates on l< →©ine for property catastrophe reinε∞£surance programs remained stabl↕☆e and property per risk pricing was dri←±→™ven by individual prog&¥δram performance, the Willis βγreport said.Although some Lloyd’s of Lβ&ondon syndicates took firm p¶Ωositions on rate increases and the Londo♠←≠n market authorized capacity decβ♠≥reased, that capactiy was repl↓✘aced by new capital and a s♦₩&trong supply from other markets, Willis Re saiσ₽β<d.U.S. loss-free accounts renewed at flat to up↓§ 10% while those with losses sa₹≤δw increases of 10% to 50%, the Willis Re ≠report said, which w♦>€as among the largest increases. Pro≤♥₹perty catastrophe accounts withou"t losses renewed at flat to ✔® ∑up 5%, while loss hit accounts were α∏up 10% to 20%, Willis Re said.Accord♥βing to the Guy Carpenter report, the brokerage’¶÷s global property catastrophe rate ₹✘σon line index rose 5% in 2019.Acco¥≤♣βrding to the Willis Re re©₩™ port, other large increases were seen in Ce♥♣☆÷ntral and Eastern Europe, whe÷εre property programs with losses π" saw increases of 5% to 20%, aλ↕✔₩nd Canada, where such ac ✔>counts renewed up 10% to 40%.Most othe≤λ×r regions and countries saw property in≠™$•creases in the single or low double☆'← digits, the report said.The J÷♠β✘an. 1 renewals saw some “difficult♠$β” negotiations, according to a letter in the÷ε' report from James Kent, global CEO, Willis Reβδ↕€.The Guy Carpenter report said the reinsura$♠★nce market was “asymmet ελrical,” adding “this is certainly not a one-↔γ♠€size-fits-all market” and while overall c↑φapacity remained adequat∏↓≤φe, “allocated capacity tightenedβ"£ notably in stressed classes.”Dedicated reins₹↕₹₩urance capital rose 2% in 2019 and the year saw δ∏®approximately $60 billion in global insured cata<πλstrophe losses, acco∞™rding to Guy Carpenter, which was signφ•ificantly lower than 2017 and 2018.Alternati↔₽'βve capital, however, contracted by approximatelα₽♣y 7% percent “as investo"∞rs were more cautious with new investments after≤✔< assessing market dynamics and pricing adequacy,”↑β Guy Carpenter said.T•☆he retrocession market “was challenged … bφ Ω₩y trapped capital, a lack of new capital a≈>↓nd continued redemptions from third-par""ty capital providers,” a statement issu♥←←ed with the Guy Carpenter repo ∏rt said.However, signifi✔<↕&cant retrocession providers re$λ↔turned to the market in the© past two weeks, Willis &Re said.Organizer：China Insurance Digital &a₹δ"mp; AI Development 2020Web:http://en.∑₽zenseegroup.com/p/560573/Contact:Ann 021∑↓÷-65650305
Major information technology compa&$÷₹nies in India are running the risk of termin₽δ×ation of their $1 billion contra'₽cts following Boeing Co.’s decision to halt the p'σ±↑roduction of its 737 Max jets, Mo♣δ <neyControl reported citing the Business Sta" ndard. Companies like Tata Consultancy₽≤™ Services Ltd., Infosys Ltd., HCL Tec↔hnologies Ltd., Cyient Ltd. and L&T Tec¶↓ §hnology Services Ltd. have outsou> rcing contracts with Boeing or its suppliers an "λd Boeing’s jet crisis £& is expected to affect these ∑φ☆IT companies in the short run.From:busin₩βessinsuranceOrganizer：China Insurance Digit↓♠al & AI Development 2020γ←Web:http://en.zenseegroup.com/p/560573/Conδλπtact:Ann 021-65650305
France-based eyewear maker Essilor >$εInternational S.A. has discover'₹ δed fraudulent activiΩ≥§∞ties at one of its factories in Thailaε≤nd that could cause €190 mill≈☆ ≥ion ($213 million) in financial loss☆αes to the company, The Irish Times♣✔ reported citing Reuters. φ✘∞≠The company has filed com₹♦₽plaints in Thailand ™£←and has fired all the involved employees. It hopσ ≥∞es to recover the losses from fφ εrozen bank accounts, insurance an♠λd lawsuits.Organizer：China Insurance Digital &₹β; AI Development 2020Web:http://en.zensee€♣∏group.com/p/560573/Contact:Ann 021 →-65650305
