Adhering to compliance and innovation, Ping An Life promotes "new changes" in Internet insurance

Recently, the China Banking and Insurance Regulatory Commission announced new regulations on Internet personal insurance - the "Notice on Further Regulating Matters Related to the Internet Personal Insurance Business of Insurance Institutions" (hereinafter referred to as the "Notice"), which ushered in the standardization of Internet insurance. , healthy and orderly new era.

Guided by the "Notice", Ping An Life adheres to compliance and launches a series of new initiatives in the field of Internet insurance. It effectively protects the rights and interests of insurance consumers with high-quality products and efficient services, and actively promotes The Internet insurance industry develops healthily and orderly.

Adhere to compliance and innovative development to meet the diverse needs of the public

Internet insurance has officially entered the "traceability era". Ping An Life insists on building a traceability system through technology to realize the entire insurance business process. Traceable management of all scenarios and all data. At the same time, through digital operations, Ping An Life has effectively improved its full-process service capabilities, including underwriting, claims settlement, renewals, preservation, and value-added services. In addition, Ping An Life also provides users with reliable and comprehensive products by mining the value of data in multiple scenarios, effectively solving users' actual pain points and meeting their diverse needs.

It is reported that Ping An Life’s newly launched “e Worry-free Huimin Edition” fully utilizes the “inclusive” and “popular” characteristics of Internet insurance products; and in response to the current national movement craze, it has launched "Sports Accident Insurance"; "Aviation Accident Insurance" and "High-speed Rail Accident Insurance" for different travel scenarios. As a pioneer in Internet insurance, Ping An Life is committed to creating the best health products and service scenarios in the industry.

Relying on the medical and health ecosystem to provide convenient services to the people

The "Notice" also provides new ideas for the development of Internet insurance: the application of technological means such as the Internet and big data to provide people with Convenient service. Starting from service, Ping An Life is committed to continuous innovation in terms of service convenience, sense of gain, recognition and continuous improvement, building a rich service ecosystem for customers and optimizing service experience.

In order to give full play to the advantages of Internet insurance, Ping An Group focuses on insurance protection, integrates the insurance product service cycle, and creates an innovative one-stop health service model to provide customers with services ranging from health, sub-health, chronic diseases, Full-process services for critical illnesses.

For example, in response to current pain points such as “difficulty in seeking medical treatment” for ordinary people, Ping An Life relies on the group’s powerful medical and health ecosystem resources to empower all aspects of medical care. The e-worry-free Huimin version product launched by Ping An Life this time matches the full hospitalization service provided by Ping An Medical Health Management Co., Ltd. and its partners. After customers are hospitalized due to an accident, they can call the 95511 service hotline and enjoy full-process medical services including pre-hospital guidance, in-hospital services, and medical advances. This makes hospitalization more secure and treatment more assured.

Note: The advance payment conclusion given for full hospitalization service does not represent Ping An Life’s claim settlement conclusion.

Technological empowerment further accelerates and optimizes the ultimate customer experience

Ping An Group has always advocated the operating philosophy of "technology makes financial services more warm" and has nearly 110,000 technology practitioners. , a first-class scientific and technological talent team of more than 3,000 scientists, and established 8 research institutes and 57 laboratories. Under the guidance of Ping An Group's "Finance + Technology" strategy, Ping An Life continuously applies the latest technology and fully implements the requirements of the "Notice" to reduce commissions, optimize fee structures, and improve service efficiency.

Ping An Life has established an industry-leading online business model. In terms of increasing efficiency and reducing costs, Ping An Life has applied AI technology throughout insurance service scenarios, building four major capabilities: business screening, risk positioning, online self-service, and online stores, including policy loans, survival benefit collection, policy information confirmation, and All insurance business, including beneficiary changes and claims settlement, can be completed online. In terms of improving service efficiency, Ping An Life has launched "Smart Customer Service", which greatly improves the timeliness of service scenarios such as preservation, claims settlement, and underwriting, and significantly reduces the average processing time. 70% of claim customers can achieve compensation within 30 minutes, and 96% The insurance can be underwritten in real time.

Respect supervision and embrace supervision. Internet insurance is related to people’s health and well-being, industrial structure upgrading, technological progress and innovation, etc. Only by adhering to the original intention can long-term development be achieved. In the "new first year" of Internet insurance, as a large insurance company with a strong sense of social responsibility, Ping An Life has taken a series of innovative measures to create a new era of Internet insurance that is more convenient, safer and more in line with the needs of the public. Developed new ideas and demonstrated a new atmosphere.

Important Tips

1. The cumulative payment of "each individual limit" is limited to the total limit;

2. In the event of 120 major diseases, the first payment is generally The annual benefit limit of medical insurance;

3. Benefit ratio: If the insured chooses to be insured as having basic medical insurance or publicly funded medical care when taking out the insurance, but does not receive basic medical insurance or publicly funded medical care when he/she sees a doctor, If medical expenses are compensated for medical treatment, the payment ratio is 60%; in other cases, the payment ratio is 100%;

4. There is a 30-day waiting period from the effective date of this product, due to accidental injury or If the product is re-insured no later than 60 days after the expiration of the previous insurance period, there is no waiting period for the above circumstances;

5. The insured becomes ill within 30 days from the effective date of this main insurance contract , if the disease results in hospitalization, designated outpatient treatment, or outpatient and emergency treatment before and after hospitalization, we will not be responsible for paying insurance benefits regardless of whether the interval between the above treatment time and the effective date of this main insurance contract exceeds 30 days.

If the insured is diagnosed by a hospital as having a "major illness" as defined in "6. Critical Illness" in this primary insurance contract within 30 days from the effective date of this primary insurance contract, we will not be responsible for paying insurance benefits. Responsibility, return the insurance premium paid to you, and the main insurance contract is terminated.

The above 30-day period is called the waiting period.

There is no waiting period in the following two situations:

(1) The insured suffers the above-mentioned circumstances due to accidental injury;

(2) You are not Re-insuring this product later than 60 days after the expiration of the previous insurance period.

6. Reasonable and necessary expenses: refers to expenses that meet the following requirements at the same time: (1) Necessary for treatment; (2) Not exceeding the principles of safe and sufficient treatment; (3) Non-experimental and research purposes Produced by the project; (4) Comply with the prevailing medical standards in the place where the treatment is received.

7. Customers who have purchased other commercial expense-based medical insurance are asked to choose to purchase according to their own needs;

8. Compensation principle: If the insured has purchased it from other channels (including basic medical care Insurance, urban and rural residents' critical illness insurance, public medical care, work units, any commercial insurance institutions including our company, etc.), we will calculate and pay the insurance premium according to the above agreement, and the maximum payment amount shall not exceed the actual accident of the insured The balance of the medical expenses after deducting the compensation received.

9. The e-Carefree Huimin Edition Medical Insurance is provided by "Ping An e-Carefree Huimin Edition Medical Insurance (Internet)" and is underwritten and responsible for claims settlement by China Ping An Life Insurance Co., Ltd.

10. This product will take effect immediately after underwriting. If the insured is inconsistent, the insured will need to confirm before underwriting and taking effect.

11. The content contained in this information is only for your understanding of the insurance terms. In some cases, we will not be responsible for paying insurance benefits. For specific insurance responsibilities, liability exemption or reduction, contract termination and other matters that have a significant interest in you, the insured and the beneficiary, please refer to the insurance clauses.