保险“拆”开卖,滴滴金融服务“点滴医保”用户超180万

永利娱乐场app下载

In the sports car gap, Mr. Cheng, the express driver of Shandong Province, often feels and fortunate for the “major crisis” he has experienced.

At the beginning of 2018, Mr. Cheng suffered from stomach cancer, and the total cost of treatment exceeded 100,000 yuan. Originally thought that the family had to bear a huge economic burden for this, Mr. Cheng, as the owner of the express car, purchased the “Drops Insurance” major illness insurance to help a lot. For each order, the premium of 0.1 yuan was accumulated. Mr. Cheng finally won a compensation of 192,000 yuan. After the physical rehabilitation, he continued to drive fast to maintain his livelihood in early 2019.

The “Drops Insurance” purchased by Mr. Cheng is a series of customized insurance products tailored to the special needs of the driver group on the Drip Platform. Through joint research and development and innovation with industry partners, the sales model of “major disease insurance” and “comprehensive accident insurance” products on the market will be innovated to achieve fragmentation and order sales. Drivers can use one order per order. At the price of 1 hair per order, the insurance is purchased and the amount of insurance is accumulated. Coverage of basic insurance coverage is achieved without adding significant economic burden to the driver group.

71a7dce5faf0429482aa67372b054664

On July 9, 2019, Didi Financial Services announced that the “Drops Insurance” series of products has insured more than 1.8 million users, of which the average amount of major illness insurance is close to 100,000 yuan. In many cases, after covering medical expenses, Support for daily household expenses.

The Didi's travel platform employment report shows that Didi drivers' income from the platform accounts for an average of 77.1% of total household income, which is the economic pillar of household income. In contrast, many drivers lack the necessary medical insurance coverage and become the “just-needed” people of basic insurance products. The characteristics of the commercial insurance products in the market, such as the large number of structures, complex structure and high pricing, have raised the threshold for drivers to purchase insurance, so that the driver's “just need” has not been effectively met.

xx为此,迪迪金融服务团队专注于定制驾驶员社区的需求,仔细筛选适当的保险产品,降低驾驶员选择的成本,并与联合行业合作伙伴一起创新销售方法,使用“零碎”销售方法,大大减少司机买了保险门槛。

到目前为止,“跌落保险”已形成立体保险制度,包括“重大疾病保险”和“综合意外保险”作为入门级基本保障,以及“覆盖司机和家属的紧急住院” ”。保险“可以满足不同层次的司机的需求。

目前,与Didi Financial Services一起推动产品形态的转型和定制,发展增量保险市场的合作伙伴包括中国人民财产保险股份有限公司,中安在线财产保险股份有限公司和泰康在线财产保险股份有限公司

前中国保险监督管理委员会专家张宗熙表示,“跌落保险”是迪迪金融服务公司保险和金融创新的缩影。通过产品创新,我们扩大了可以从保险产品中受益的人数,有效地为“零就业经济”集团提供了可靠的保障。

迪迪金融服务负责人表示,滴滴金融服务从旅游生态开始,一直致力于为旅游行业的旅客,司机和租赁公司等行业合作伙伴提供更低门槛,更高效的金融服务。除了以驾驶员为导向的健康和意外保险保障外,迪迪金融服务公司目前正在与十几家保险公司密切合作,应用车辆网络数据来降低事故率,改善汽车保险调查和索赔效率。