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.
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.
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