Hello everyone, the last two months of New Year's Day and the Spring Festival holiday are coming as scheduled. I saw that many friends in the circle of friends have gone home, but the epidemic situation has been repeated. For their own safety, many small partners have bought the popular Internet insurance product "New Crown Isolation Allowance". In this article, 2000's financial rookie dog will give you a popularization of this popular insurance product from several dimensions.
First of all, when you first look at this country email list insurance product, when you see that you are paying attention to the marketing words in the official account, you may have a feeling of "this is wool, hurry up!" " After being quarantined, you can receive 200 yuan a day, up to 40 days, and XX yuan is guaranteed for one year."
But for small partners who don't know insurance products, they don't know what this allowance covers? What can be solved? Let me first introduce you to this product from the perspective of product solutions.
Take the insurance application interface of these two insurance products as an example to illustrate: you can see that the product in the above picture is developed by Zhongan Insurance, and the picture below is the product developed by Hyundai Insurance, a Sino-foreign joint venture insurance company.
To correct it here, it is not the right to interpret where the insurance is purchased. The final claim settlement problem still has to go back to the insurance company that developed the product itself. The brokerage channel is only a part of the commission in the process of selling. The launch channels of these two products are different. ZhongAn chose the Ant platform and Hyundai Insurance chose the small umbrella brokerage channel. But here you may ask questions? Why are they all quarantine allowances, but the prices are different?
The price on the ant platform is 68/118/year, while the small umbrella broker sells it at 59/year. It is difficult to see the specific difference between the two products from the insurance page, so we will go deep into the product plan. layer to have a look.
2. Product Solutions
The product solutions (clients) of these two insurance products have been listed for you. Here is why it is only listed for you (the user side), because this is a plan that everyone can see with the naked eye. Inside the insurance company, the plan of this product involves the content of rates and itemized premiums. As the product manager of this product in the industry, I really cannot disclose the industry barriers within financial institutions to everyone here, sorry! !