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- 全國(guó)首張互聯網保險聯名信用(yòng)卡推出
0評論 中國(guó)保險報(bào)網×™訊【記者 康民(mín)】 11月(yuè)1'←≠♣4日(rì)，衆安保險與中信銀(yín)行(xíng)信用(yòng)卡中心在上(shàng)海(hǎi)推出全國₩∞™(guó)首張互聯網保險聯名信用(yòng)卡——V卡。衆安保險相(xiàng)關負責人(rén)↓ δ介紹，這(zhè)是(shì)險企聯合銀(yín÷')行(xíng)推出的(de)第一(yī)張信用(yòng)卡，采用(yòng)年(nián≥€)輕化(huà)、定制(zhì)化(hu→→à)的(de)策略，為(wèi)新生(shēng)代✘§人(rén)群提供貼合他(tā)們需求的(de)全∞方位生(shēng)活安全保障，讓他(tā)們享受到(±φ₽•dào)科(kē)技(jì)帶來(lái)的(de)無畏生(shēng)活。他(tā<δ)說(shuō)：“本次聯名信用(yòng)卡隻是(shì)雙¶£♥↕方攜手合作(zuò)的(de)第一(yī)步，未來(lái)雙方将進一(yī←★×)步深化(huà)合作(zuò)，在特色保障權益方面進÷λ行(xíng)更深層次的(de)探索，共同升級智能(néng)營銷體(tǐ)系，提升雙方綜合金✔→±≈(jīn)融服務能(néng)力。”
海(hǎi)量數(shù)據定制(zhì)保險權益
據介紹，本次衆安保險與中信銀(yín)行(xíng)合作(zuò)的(de)一($α↑yī)大(dà)特色是(shì)，在聯名信用(yòng)卡V卡面世之前，雙方進$± 行(xíng)了(le)海(hǎi)量調查，因而在信用(yòng)卡權益的(de)挑選÷Ω 上(shàng)給與客戶極大(dà)的(de)選擇空(kōng)間(j←₹®<iān)和(hé)定制(zhì)化(huà)體(tǐ)驗。
V卡相(xiàng)關負責人(rén)告訴記者，“通(tōng)過在衆安保險和(hé)中信銀≈(yín)行(xíng)信用(yòng)卡APP發放(fàng)調查問(wèn)卷，我們了(le)解到(dào)，在險種選♠♠擇上(shàng)，用(yòng)戶對(duì)航旅險、碎屏險、↓♥♦Ω退貨運費(fèi)險的(de)需求排名靠前。基于此，我們為(wèi)不(bù)同的(de)信&♠λ用(yòng)卡人(rén)群打造了(le)一(yī)攬子(zǐ)定制(zhì)÷"化(huà)解決方案，例如(rú)針對(duì)商旅人(rén)群推出了(le)★σφ包括**的(de)‘日(rì)本醫(yī)療直付’在內(nèi)的(≠≤δde)超常規航旅類聯名信用(yòng)卡的(de)權益優惠，針對(duì)××熱(rè)衷‘買買買’的(de)女(nǚ)性人(rén)群定制(zhì)了(le)退貨運費(fè♦φφ>i)險，針對(duì)白(bái)領一(yī)族定制(zhì)手機(jī)碎屏險，覆蓋年(nián ≥σ)輕市(shì)場(chǎng)流行(xíng)的(de)10大(dà)手機(jī©©&)品牌。”
更為(wèi)個(gè)性化(huà•")的(de)保險解決方案凸顯了(le)衆安保險在大(dà)數(shù)據領域的(de)先發優勢，而通(tōng)過與中λ₹§信銀(yín)行(xíng)信用(yòng)卡中心的(↕±¶de)合作(zuò)，衆安保險将豐富用(yλφòng)戶數(shù)據庫，累積更多(duō)的('™ de)用(yòng)戶的(de)消費(fèi)習(xí)慣與行®β(xíng)為(wèi)軌迹，增加更加立體(tǐ)的(de)用(yòng≈≠∞)戶标簽，為(wèi)公司在流程優化(huà)、★産品設計(jì)、精算(suàn)定價、客γ₹服服務和(hé)營銷推廣等方面提供了(le)全新的(de)視(shì)角和(♦§™hé)思路(lù)，從(cóng)而深度驅動業(yè)務"✔ 升級，為(wèi)用(yòng)戶提供更好(hǎo)的(de)服←™>✔務。
聯手升級智能(néng)營銷
2018年(nián)是(shì)中信銀(yín)行(xíng)信用(yòng)卡中心成立15 &↑δ周年(nián)，累計(jì)發卡量已突破6000萬張。而從(cóng)衆安保險的(de)•✘™數(shù)據來(lái)看(kàn)，僅在201®π8年(nián)上(shàng)半年(nián)，β 衆安保險就(jiù)已服務逾3億用(yòng)戶，人(rén)均保單數(shù)達到(dào©≠≤)8.4張。面對(duì)同樣海(hǎi)≥™ >量的(de)數(shù)據庫，雙方在智能(néng)營銷領域都(dōu)積累了(lδ↓e)豐富的(de)經驗。本次雙方也(yěε )有(yǒu)意通(tōng)過聯名信用(yòng)卡的(de)合作(zuγ☆ò)，共同升級智能(néng)營銷服務體(tǐ)系，提升更加**化(huà)、定$>制(zhì)化(huà)的(de)綜合金(jīn)融服務能(né€↔"ng)力。
在本次合作(zuò)中，衆安保險将運用(yòε≈£ng)其金(jīn)融技(jì)術(shù)開(kāi)放(fàng)平台中的(&"de)智能(néng)營銷系統，為(wèi)信用(yòng)卡營銷提供服務。該ש系統的(de)底層是(shì)基于數(shù)據技(jì)術¶✔(shù)，包括數(shù)據采集、數(shù)據快(kuài)速**分(fēn)析以及數(sh♣$α£ù)據全鏈路(lù)的(de)打通(tōng)。在數(shù)據和(héδ↔®)技(jì)術(shù)的(de)基礎之上(shàng)，衆安保險構£↔←←建出了(le)信用(yòng)卡營銷的(®₩de)活動系統、用(yòng)戶标簽系統以及營銷的(de)反欺詐系統。
而本次通(tōng)過與中信信用(yòng)"'φ卡合作(zuò)，衆安保險實現(xiàn)了(le)線♥★ε上(shàng)用(yòng)戶行(xíng)為(wèi)軌迹® ×與線下(xià)場(chǎng)景的(de)對(du©♠÷✘ì)接，更清晰地(dì)描繪用(yòng)戶的(de)日(rì)常畫(huβλ≈γà)像。例如(rú)，經常深夜消費(fèi)，ε∞₩π尤其是(shì)餐飲消費(fèi)的(de)人(rén)，考慮生(shēng)活作(β∏zuò)息可(kě)能(néng)對(duì)健康産生(shεΩα≥ēng)的(de)影(yǐng)響，衆安為(wèi)其定制(zhì)健康類險種₹§δ，而經常購(gòu)買商旅産品的(de)→↕用(yòng)戶則更适合升級版航空(kōng)權益。
衆安保險CEO陳勁表示，“此次攜手中信銀(₽ λyín)行(xíng)推出聯名信用(yòng)卡旨在為(wσ€$÷èi)雙方用(yòng)戶提供更好(hǎo)的(de)金(jīn)融服務，提升雙方的(≠'γ¶de)智能(néng)營銷能(néng)力，通(tōng)過衆安保險與中信銀(y✔ ín)行(xíng)的(de)金(jīn)融™←科(kē)技(jì)優勢，更加**、定制(zhì)化(huà€ ε®)地(dì)為(wèi)信用(yòng)卡用♥→(yòng)戶提供多(duō)場(chǎng)∞♥≤α景、全方位的(de)權益保障，讓科(kē)技(jì)提升新生(shēng)代人(r ★én)群的(de)生(shēng)活無畏感。”
科(kē)技(jì)探索未來(lái)
據悉，本次聯名信用(yòng)卡的(de)推出隻是(shì)衆安保險∑÷♦與中信銀(yín)行(xíng)信用(yòng)卡中心攜手合作(zuò)的('> de)第一(yī)步，未來(lái)雙方還(hái)将開±₽↓(kāi)展更深層次的(de)全面戰略合作(zuò)，拓展服務人(rén) ₹↑群，打磨創新産品權益，打造更多(duō)♣λ→β深度定制(zhì)化(huà)、個(gè)性化(huà)的(de)服務≥δ體(tǐ)驗。在技(jì)術(shù)層面，衆安将和(hé)中信銀(yín)行(xíng)共同探索 ←，建立大(dà)數(shù)據實驗室，讓互聯網數(shù)據發↕™≠揮更大(dà)價值，讓更多(duō)的(de)新生(shēng)代用(y∑★↔★òng)戶享受到(dào)優質、便捷的(de)金(jīn)融服務。
中信銀(yín)行(xíng)信用(yòn™δg)卡中心負責人(rén)表示，“此次與βδ↔衆安保險合作(zuò)推出聯名信用(yòng)卡，将開(kāi)Ω©×啓雙方共建跨界生(shēng)态之旅。今年(nián)恰逢卡中心成立15 "周年(nián)，在發卡量突破6000萬之際，我們期待通(tō<↔✘ng)過此次合作(zuò)，為(wèi)廣大'®>(dà)用(yòng)戶帶來(lái)更加便捷¶₽®₩、更有(yǒu)保障的(de)生(shēng)活方式和(hé)金(jīn)融服務。 未來(lái)↕≤Ωβ，我們将與衆安保險将進一(yī)步拓展合作(zuò)，在特色保障權益方面進±✔₹©行(xíng)更深層次的(de)探索，旨在推出更加**貼合消↕←費(fèi)者需求的(de)定制(zhì)化(huà)金(jīn)融服'₹ ≠務，實現(xiàn)雙方優勢互補、合作(zuò)共赢。”
來(lái)源：中國(guó)保險報(bào)網
From :businessinsuranceU.S. co•±€mmercial property/casualty rates rose 5% ≈&on average in the fou ¥ rth quarter of 2019, up fromαδ ♥ 4% in the third quarter, reflec↓δting insurers’ intent to continue to incre↓ase prices across most lines, online insur↔✔ance exchange MarketScout Corp™♦↔¥. said Monday.“Auto rate increases havπ$♦e been up all year long; however D&O (Ωα∞×directors & officers) and professional r≥>ate increases have spiked significantly in the f≤↔ourth quarter,” Richard Kerr, CEO of✔φ MarketScout Corp. said in a statement.Insurers ¥&are carefully analyzing the©ir property exposures using ca ¶tastrophe modeling tools↓&π₽, he said. “We expect many of the major property catastrophe insurers >to curtail their 2020 writings in California&λ• brush and East and Gul&£π₩f Coast wind areas. Naturally, this will result ∞£in higher rates to insureds,” Mr. $✔Kerr said.D&O liability rates increased✔↓δ by 8.25%, while comβ♣mercial auto increased 8% in the quarte<α $r, and professional liability rates were up ∞♣6%, and umbrella/excess§∞ rates were up 5.5%, according to MarketScoutφλ<.Commercial property rates increased 5.25% inπ¥<± the quarter, and business ←¥<interruption rates were "α>up 5%, while all other lines s± howed smaller increases, except ☆™for workers compensation,↑φ&> where rates fell 1%, MarketScout said.By indus✔try class, transport₽&♠ation and habitational saw the highest averagγ≥e rate increases at 9% and 8.25% respectivel♣©y, MarketScout said.Large accounts – those wi∑£εth $250,001 to $1 million in prem✘ σium – saw a rate hike of 5.5% in the fourt→∏$h quarter, as did jumbo∞£>Ω accounts, which have more than $1 mill♦≈₩ion in premium. Small acc₩€★ounts – those with up to $25,000 in premi♦ εum – were up 5%, while medium ≠±¥♥accounts – those with $25≥€,001 to $250,000 in premium₽±✘ – were up 4.5%.The “steady trend” of upw>♦•ard rates reflects insurers’ plans to continue ✔₹ increasing prices acros✘★<s all lines except fo₩≥δr workers compensatio☆αn, MarketScout said.Organizer：China Insurance •÷¶Digital & AI Develop™♥±ment 2020Web:http://en.ze≈♦nseegroup.com/p/5605δ&® 73/Contact:Ann 021-6565030≈5
From :insurancejournalIt was a relative¥®γly quiet year for the Southeast in terms α of major catastrophes compared with 2018 ≤÷γ✘when Hurricane’s Michael and Florenc₹↓♦e caused major damageγ÷₩§ in the region. This year, Hurricane Dori✘≥an sideswiped the Southeast c≤÷¶oast and made landfall on the Outer Banks§↑ of North Carolina but most ≠ ♣φof the area was spared. Still, β♦✔Aon said economic damage iλα☆✔n the U.S. and Canada was poised to φ¶σapproach a combined $1.5 billion.Floridaβ Ω spent the year recovering₩γ® from Hurricane Michael, which δ©;was upgraded to a Categor£¥y 5 storm by NOAA in Apri₩>↑l. Florida officials have repeatedly ca≥•↔lled on the insurance industr÷•>y to speed up the recovery process,♥€•$ with nearly 12% of claims α$<←still open a year after the storm hit.O≠rganizer：China Insurance Digital & AI De§>↕velopment 2020Web:http://en.zenseegro₩✘up.com/p/560573/Contact± ✔:Ann 021-65650305
From:businessinsurancΩeeinsurance renewals at Jan. 1, 2020, m€λ ainly saw single-digit increases, with some ex☆£φceptions, according to reports by reinsu<&φ¶rance brokers released Thursday.Willis Re, the •α€reinsurance brokerage of Willis Towδ↕×ers Watson PLC, and Guy Carpenter & Co. LLC,♥×↑ a unit of Marsh & McLennan Cos. Inc. b₩¥ oth reported that year-en≈→d reinsurance renewal ÷✘s varied by account and re∞₩®✔gion, but the retrocessional reinsuranceφ✘ was under pressure.±↔₹Rates on line for property cata><•strophe reinsurance programs remained ★↓γstable and property per risk'§ pricing was driven by indiv ®♦∏idual program performance, the™©≤ Willis report said.Although s↔∑ome Lloyd’s of London syndicates took firm p↔♥ositions on rate increasα→£es and the London market authorized cap£∏♥≤acity decreased, tha↓γβ t capactiy was replaced by new capitaπ"l and a strong supply from other markets, Will≤♥∞₽is Re said.U.S. loss-f✔σ←•ree accounts renewed a©→γ£t flat to up 10% while those with losses saw •§γ"increases of 10% to 50%, the Willis Re repor≠♠£ t said, which was among the largest increases★✔∞λ. Property catastrophe©$ accounts without losses renewed at flat to up↕± 5%, while loss hit accounts were u✘→←p 10% to 20%, Willis Re said.According to th♣©e Guy Carpenter report ׶φ, the brokerage’s global property catastrophe r¥→ate on line index rose 5% in 2019.According to t $he Willis Re report, other large in≥↕creases were seen in Central >↑and Eastern Europe, where pro∏€perty programs with losses saw increases ofφ☆σ 5% to 20%, and Canada, where such accounts←↓ renewed up 10% to 40%.Most oth≤≠er regions and countries saw property inc $←$reases in the single oδ₽₩r low double digits, the report said.The Ja¶σΩ↔n. 1 renewals saw some “diffic∏ ™σult” negotiations, according to a≈α✔ letter in the report f¶≥rom James Kent, global CEO, Willis Re.The G$☆>uy Carpenter report said the reinsurance mark&↕♣©et was “asymmetrical,” adding “this♦'× is certainly not a one-size-fits-all market∏>¥” and while overall capacity remained adequate, ←✔“allocated capacity tightened notably in str©← ¥essed classes.”Dedicated reinsurance capi✔♦tal rose 2% in 2019 and t✘πσ¥he year saw approximately $60 billion in gl >$>obal insured catastrophe losses, >δaccording to Guy Carpenter, which Ω was significantly lower th" ♦★an 2017 and 2018.Alternative cap→£ital, however, contracted by approxi✘←mately 7% percent “as investors were more cautiδα∞ous with new investme∑∑nts after assessing market dynamics and pr↓€•icing adequacy,” Guy Carpenter said.T™↕he retrocession market “§φ∞φwas challenged … by trapped capit±↑↔al, a lack of new cap×≥↔ital and continued rede↕±mptions from third-party capital provi ™≠≠ders,” a statement issued with the Gu'y Carpenter report s§✔aid.However, significant retrocession providerש&★s returned to the market in→₩ the past two weeks, Willis Re said.Organizer：C♣®hina Insurance Digital & AI Developm₩∏ent 2020Web:http://en.zenseegroup.com/p/€β560573/Contact:Ann 0' 21-65650305
Major information technology companie<•s in India are running the risk of terminatוion of their $1 billion contracts following ♥ Boeing Co.’s decision to halt the prod₩ uction of its 737 Max jets, MoneyContr×σ∞ol reported citing the Busiγ♠↓ness Standard. Compani≠λ€→es like Tata Consultancy Services Ltd.∞×>, Infosys Ltd., HCL Techno≤←¶★logies Ltd., Cyient Ltd. and L&T Technoφ↑"logy Services Ltd. have outsourcing contracts w♦"×σith Boeing or its suεppliers and Boeing’s jet cr©∏isis is expected to affect these IT comp★¥anies in the short run.From:businessi∏♠nsuranceOrganizer：China Iα☆ nsurance Digital & AI Devel↔£©opment 2020Web:http:♥∑//en.zenseegroup.com/p/560573/Contact:Ann 02¶σ1-65650305
France-based eyewear maker Essi♣γ←lor International S.A. has dis←↑♦covered fraudulent act§©'←ivities at one of its f↑ actories in Thailand that could cause €190 £₩₩million ($213 million ♠±) in financial losses to the company, The Iφ↓rish Times reported citing Reuters. φ The company has filed complaints in Thailand an α d has fired all the involved employeeΩ∏¥₽s. It hopes to recover the lo φ÷÷sses from frozen bank a€ $<ccounts, insurance and lawsuits∞∑.Organizer：China Insurance Digita∏♦l & AI Development 2020Web:http://en.∑ ™zenseegroup.com/p/560573/Contact:Ann 021∞ק-65650305
