How about today's headline Jiabao?

Let's take a look at Taikang Online behind Hejiabao: 2015438+065438+10/8. As the first internet insurance company initiated by a large insurance company in China, Taikang Online Property Insurance Co., Ltd., a wholly-owned subsidiary of Taikang Life Insurance, was established in Wuhan with a registered capital of 10 billion yuan.

According to information disclosure, Taikang Group's current solvency is 249%.

There's nothing wrong with the background. As an old family, Taikang is still very strong. Since today is the evaluation, let's go back to the core dimension of the product to elaborate.

1, compared with Jiabao, the top five best-selling medical insurance in the market.

Zhongan insurance enjoys e-life flagship edition

Wechat Taikang online micro medical insurance medical insurance

Ping 'an Healthy E Shengbao 20 18plus

Alipay (PICC) good medical insurance

Today's headlines (Taikang) and Jiabao

2. Advantages and disadvantages of family insurance:

Innovative collocation of critical illness liability: Hejiabao, as the first shot of today's headlines to enter the insurance industry, innovatively uses the collocation of 1 year critical illness insurance and millions of medical care, and the amount of critical illness of 65,438+millions runs through all ages (Xiao Bu guessed that the risk insurance protection for the elderly is the upper limit). As long as the compensation standards for 70 major diseases shown in the contract are met, you can pay 65,438+10,000 for critical illness insurance in advance. It is very suitable for families or individuals with tight economic environment as a supplement to commercial health insurance.

Headlines deliberately use participatory schools to let customers learn. Each course belongs to a different theme, covering the health problems in food, clothing, housing and transportation. As long as you pass the 10 question, you can not only learn hard-core knowledge, but also improve your insurance coverage. I like this experience. A person's risk awareness is not only educated by blood and tears, but more importantly, his health risk awareness. The design of headlines undoubtedly increased the customer's sense of participation and experience, and further improved our team's risk awareness. I like it.

Underwriting is harsh and does not support intelligent underwriting.

Xiaobu experienced this product on the first day and does not support the intelligent underwriting function. As a first-hand gun product, the underwriting conditions are very strict. I don't know if it will be relaxed in the future. Instead of putting smart underwriting on the shelves, it is equivalent to blocking many customers who are slightly ill. As the first product, it is understandable and steady.

Insufficient knowledge of backstage customer service products: Just yesterday, Xiao Bu specially called Taikang customer service, and the other party asked about this product. It may be that the product is too new, but since the product is put out for sale, it should be prepared for a closed loop before and after sale. It should be noted that insurance sales are not only sales, but after-sales is the key, not to mention Internet products, excluding consultants, so after-sales service is even more important, and it is also the most important part for Internet insurance companies to let customers experience services.

Hospital advance payment function is not supported: the family insurance clause does not include the hospital advance payment function. Today, our medical insurance experience is also upgrading, and a product with the function of paying in advance for hospitalization is really convenient. Patients don't have to take out a large sum of money at once, but on the grounds of family insurance, hoping to upgrade in the future.

After middle age, the rate is higher: due to the compulsory option of serious illness, the most direct situation is that the rate of all ages has increased. We can see that the rate is only less than that of Ping 'an in the range of 0 -30 years old, but after middle age, the rate rises obviously because of the influence of the critical illness insurance coverage of 65,438+10,000, but if the critical illness liability becomes optional, it will increase the selectivity of customers. For customers who have purchased long-term critical illness insurance products, there is no need to increase the liability of critical illness insurance for a single payment unless their own critical illness insurance liability protection is insufficient.

Do not bear the cost of heavy ion therapy: Heavy ion therapy is one of the most effective and advanced cancer treatment methods in the world at present. However, due to the high cost, many millions of medical insurance are not included in the design of the guarantee responsibility, such as Ping An E, China Life Insurance such as E, Taiping Chao E, Taiping Lexiang and Huaxia Medical Insurance. But the other products mentioned above, with similar prices, are all included, so it is worth your careful consideration here.

Comprehensive summary: For the headline-Taikang Hejiabao, only some key data are compared today. The quality of products needs readers to judge for themselves. What I can do is to ensure that the data is correct. In my opinion, what deserves more attention is the big news that today's headlines have entered the insurance industry. As a technology company and a member of BATT, can you use the data ecology of the platform to benefit the people like Alipay? We will wait and see.