Online insurance direct sales channel to explore the development of

1、 online insurance direct sales channel to explore the development ofsummary: network economic development, although the company to provide a convenient and efficient network of marketing, on-line insurance, direct sales channels still need to continue to comprehensively promote the exploration, this

2、 article from the insurance company websites, online insurance products, policyholders service 3 side-line insurance, direct sales channel development for analysis. keywords: insurance web site direct sales channels, online insurance policyholders of insurance products online services about online i

3、nsurance online insurance means the insurance industry using the internet and advanced digital media technologies to the insurance business management activities. online insurance industry, also known as the insurance e-commerce (e-insurance), through the digital network to insurance companies, poli

4、cyholders, insurance, secondary providers, the insurance regulators and other parties involved in insurance activities connected to conduct electronic transactions, including insurance, including all commercial activities. insurance marketing channels is the insurance to the policyholder from the in

5、surance of goods transfer process, all transfer of title insurance products to help organizations and individuals. e-commerce through the internet insurance marketing channel is the transfer of product from producer to consumer, also known as online insurance marketing channels. online insurance mar

6、keting channels, depending on whether the use of intermediaries are divided into direct marketing channels (referred to as direct channel) and indirect marketing channels. there is no direct channel marketing, online insurance brokers, one is insurance companies to establish their own web sites on t

7、he internet direct sales of insurance products, such as: picc p & e-commerce (www.e-picc), taikang online (www . ), etc.; the other is the insurance commission of information services, such as: china insurance network (www.china-), china merchants bank china netcom mall (), etc., insurance c

8、ompanies use of relevant information and customer contact, direct marketing products. indirect marketing channels online insurance professional insurance refers to insurance companies through e-commerce platform providers as intermediaries to insurance sales to customers, such as chinas current prof

9、essional insurance representative e-commerce platform provider: easy security network (), network security () and so on. this article from the insurance company websites, online insurance products, policyholders services to three aspects of the development of web-based insurance direct sales channel

10、 analyzed. create insurance site domain name insurance website is an insurance company with customers door, the website domain name contains a wealth of insurance information, it can guide the customers internet access, through the network dynamic, timely and comprehensive transmission of informatio

11、n to customers, so, e-commerce system environment of the insurance company to establish a website under the domain name. how to make customers aware of insurance, insurance company e-commerce site is placed in front of a pressing issue. first of all, building search engine-oriented insurance company

12、 web site, extensive links with other websites. search engine to guide the flow of visitors to the insurance company web site plays an important role, log into their site search engine visibility, increase website traffic, and thus an important marketing model marketing policies. in order to make yo

13、ur site in search results more easily find and click on the user needs from the insurance web site design phase began to pay attention to adapt to the search engine features: carefully designed to accommodate the search engine, search keywords, search engines to guide further analysis of site conten

14、t as much as possible access to other websites and so on. secondly, the use of promotional e-mail website. according to the 15th china internet development statistics show: users often use the network service function is the first e-mail, accounting for 85.6%, the new site by e-mail that the ratio o

15、f 28.3% can be seen, from the largest network of internet users use services may well be an effective way to promote websites. this method key is to get potential customers e-mail address, can be entertainment, prize contests, or concessionary sales to participate in online activities so that prospe

16、ctive clients come in, and then on a regular basis by mail, and their long-term stable relationship. again, the use of traditional media companys web site. according to the 15th china internet development statistics show: newspapers, magazines, radio and television at daquan like books and outdoor a

17、dvertising, these four traditional media guide users to browse the new site as high as 68.4%, indicating the traditional media still has a very large audience. well, simple, easy to remember, easy to make the association of the name of the site can be newspapers, magazines, radio and television, out

18、door advertising, the company printed materials continue to give visual impact, a deeper impression. development and promotion of insurance products online apart from the technical line of insurance products for online sales, but also from the market to meet customers insurance needs, if we can obta

19、in the intersection of the two to launch a dedicated online insurance product is bound to obtain a product competitive advantage. the chinese peoples insurance recently launched e-urban white-collar workers personal accident insurance, and e-era of the pride of boarding students comprehensive insura

20、nce, for example to analyze. e-urban white-collar workers personal accident insurance, and e-era pride of boarding students is both comprehensive insurance specifically designed for network marketing channel e series of insurance products. one, e-urban white-collar workers personal accident insuranc

21、e is designed for government civil servants and enterprises and institutions designed for office staff self-service fixed insurance products, while the e-era of the pride of comprehensive insurance for boarding students stay in school eleves customized modular annual insurance products, including no

22、t only the students dormitory property damage, third-party liability, and leave of absence costs, but also accidental injuries, accident medical and hospital health care. first, the object analysis from the network channels. both products targeted at the urban white-collar workers, stay in school a

23、large, secondary and their customers locate network users with the age and occupational characteristics coincide. according to the 15th china internet development statistics show: from the users age distribution: 18 24 years old, the highest percentage of internet users, accounting for 35.5%, follow

24、ed by 25 to 30-year-old internet users, accounting for 17.7%; 18 years of age, accounted for 16.4%; of these three age groups the proportion of internet users and for 69.6%. the occupational distribution of the user from the network point of view, the highest percentage of students accounted for 32.

25、4%, followed by professional and technical personnel, accounting for 12.6%, enterprises management personnel, accounting for 9.3%, state organs, party and mass organization staff accounted for 7.4%; due to the risk of the complex professional and technical personnel, the degree of homogeneity is low

26、, it should not sell online. second, the scope of protection analysis. both insurance coverage is mainly personal accident injury and property damage within the dormitory, insurance simple, online underwriting is relatively mature in china at present varieties of online insurance business. clearly,

27、an urban white-collar workers as the object of unintentional injuries, insurance and accommodation of large secondary school students was both comprehensive insurance for a large number of dispersed users, but also suitable for online sales. diversified, personalized portfolio of insurance will beco

28、me the most popular online products. online direct marketing companies such as dell computer, a computer, like dell will be the customers computer design for assembly of products, e-commerce times online coverage of the insurance products can be broken up into parts one by one, from online customers

29、 choose their own insurance company immediately customers will be combined into a number of components needed to complete machine. policyholders to upgrade the value of services quick and thoughtful services on-line direct marketing of insurance companies against competitors, a magic weapon. as we a

30、ll know: service throughout the entire process of e-commerce, the insurance itself is a risk of spread and transfer of financial services, insurance that the two superimposed together e-commerce is bound to provide satisfactory services to its customers as the goal. policyholder service functions in

31、 accordance with its two levels: basic services, high value-added services. basic services. the use of e-commerce systems insurance interactive edge, providing customers with online services and offline services to achieve the market value of insurance products. insurance online service goal is to o

32、btain insurance information on the intention to provide after-sales service policy. pre-sale policy, the customer clicks insurance web site about the companys background, insurance provisions, insurance processes, past payment cases and other information, after which the intention may be to the insu

33、rance company insuring information; policy sale, insurance policy information provided on-line query, preservation changes, renewal payments, reporting and payment of claims. off-line service is the completion of the insurance program to identify and underwriting work. most of the insurance program

34、is difficult to determine the completion of on-line. this is because the demand for individual insurance, online exchange of information is difficult to continuously smooth, semantic expression and understanding of each other may be unsatisfactory, resulting in this way than the machine, so the need

35、 for other service line approach to the finalization of insurance schemes , such as: telephone, insurance salesman with customers face to face communication to complete. online only for a small number of insurance underwriting, such as: auto insurance, casualty insurance, etc., most of the insurance

36、 needs of line underwriting, such as physical examination, property verification, otherwise, the insurance company to bear the risk of greater adverse selection . can be seen, online services and offline services in close integration is to achieve the basic guarantee for the insurance e-commerce. there is no basic services, insurance products to achieve the shift to policy holders by insurance companies, additional services will only be a river without water, without trees. high value-a