The end of 2021： the cumulative number of insured users exceeds 100 million, and after 80′ s and 90′ s, it will become the main force of insurance purchase.
Source: China Network
Original title: Year-end summary of water drop insurance in 2021: the cumulative number of guaranteed users exceeds 100 million, and the 80 s and 90 s will become the main force of insurance purchase.
On January 13th, Shuidi Insurance, an Internet insurance brokerage platform of Shuidi Company (NYSE：WDH), released its 2021 summary review. The data shows that the cumulative number of insurance users of drip insurance exceeds 100 million, and after 80 s and 90 s, it became the main force of insurance purchase, accounting for more than 33%. In addition, more than 70% of users on the platform are from third-tier and below cities, and 6.23 million users choose to insure their families.
The offline brokerage business was accelerated, and the online open platform developed to the 2.0 stage.
In 2021, Didi Bao will continue to promote strategic upgrading and explore the path of online+offline integration. On the one hand, the brokerage business under the drip insurance line has accelerated and promoted business growth. On the other hand, Shuidi’s open platform has developed to the stage of 2.0, and Shuidi is committed to sharing its accumulated marketing, operation, intelligence and systematization capabilities with partners to jointly expand the insurance incremental market.
Shuidibao actively deployed offline brokerage business, providing new impetus for the development of insurance brokerage business. At the beginning of September, 2021, the brokerage team under the water drop insurance line released the "Water Drop Insurance Broker 2.0 Strategy", and launched two basic laws "WE Plan" and "ME Plan", which were supported by four empowerment systems: digitalization, products, training and marketing, in order to build a professional, professional and digital brokerage team and provide users with refined insurance services.
Online, the water drop open platform has developed to the stage of 2.0, which can provide customers with customer-centered, data-based "online+offline" refined operation strategies and technology empowerment solutions. Since 2021, more than 150 new service partners have been added to the water drop open platform.
The open platform of water drop can export two solutions for partners: first, sales support solution-providing online and offline integrated marketing solution, helping traditional insurance institutions to improve their online customer acquisition ability and service ability, and establishing matching, trust and connection channels between online users and offline agents to achieve a more efficient balance between supply and demand. Second, the industry empowerment solution-the open platform for water droplets can package and export the products, marketing, operation, risk control, claims settlement, big data and other capabilities of water droplets to partners in need.
In-depth participation in multi-site Huimin insurance projects, promoting the implementation of inclusive protection.
In 2021, Shuidibao participated in the Huimin protection project in several cities of "Beijing, Zibo and Dezhou". While providing users with universal insurance protection, we also actively play the synergistic effect of services such as drip financing and drip payment, provide services such as serious illness fundraising and special medicine for local users, and actively explore the new model of "universal insurance+personal assistance+public welfare support" to help improve the multi-level medical security system.
It is noteworthy that "Zibo Qihuibao 2021", with Shuidi as the operating platform, has a total enrollment of over 1.58 million, and the enrollment rate is as high as 37.4%. The enrollment rate has set a record in Zibo and Shandong Province, ranking first in the province for the time being, and is also in the forefront of the national Huimin insurance project.
In the future, Shuidi will continue to explore the "new benchmark" of the Huimin security model in more cities with a more open and win-win platform thinking and a deeper level of scientific and technological openness and health service capabilities, with the goal of "universal protection". It is understood that in January 2022, the "Nanchang Huimin Insurance" with Shuidi as the operating platform was officially launched, and it was open to the basic medical insurance participants in Nanchang. It took only 2 working days to go online, and the number of registered participants has exceeded 100,000.
90% are exclusive customized products, and the fastest claim limitation is as low as 8 seconds.
Drip insurance adheres to the concept of "customer first" and strives to provide users with all-round and full-life insurance services. On the product supply side, in 2021, Shuidibao has reached cooperation with more than 60 insurance companies, and accumulated 323 kinds of insurance products, 90% of which are exclusively customized by Shuidibao and insurance companies, such as the first critical illness insurance product that non-standard people can insure online, "Water Drop Guarding Love critical illness insurance", the "Extreme Simple Edition" short-term critical illness insurance "Water Drop Million Critical illness insurance 2021", and the family members’ combination purchase price is more favorable.
In terms of insurance services, Didi Bao launched a "three points and one line" service commitment, that is, no worries about the safety of funds, no worries about professional explanations, no worries about the whole process of compensation, and misleading sales are absolute red lines. The survey results show that in 2021, the user satisfaction of Didi Chubao will be significantly improved. With a perfect score of 5, over 550,000 users will give an average of 4.8 points to the online service of Didi Chubao.
In terms of claims that users care about, Didi Bao continues to increase investment and is committed to providing users with a "quick and more reliable" claims experience. In September 2021, Didi Bao upgraded the claims system. On the platform of water drop protection, claims cases with the amount of compensation less than 10,000 yuan, complete materials and clear responsibility for accidents will automatically enter the "fast claims" service channel. The drip insurance linkage insurance company provides a complete set of service support to ensure that the claims conclusion will be issued to the users of the above-mentioned cases within 1-3 working days. At the same time, the function of "intelligent prediction of closing time" is added to minimize the anxiety of users in the waiting process.
The data shows that the fastest time limit for claims in 2021 is only 8 seconds, an increase of 38.5% over the previous year, and the average time limit for extremely fast claims is 10.8 hours, an increase of 27.4% over the previous year. At present, the intelligent claims system for water drop insurance has covered more than 50% of daily claims, with an accuracy rate of 99.7% and an auxiliary efficiency of 55.9%.
It is worth noting that the water drop insurance claims service is not only "speed", but also "temperature". In 2021, the "Water Drop Insurance Claims Manager" responsible for one-to-one communication and assistance provided telephone service for 860,000 minutes. Shuidibao intelligent customer service provided a total of 320,000 claim answering services in 2021.
Looking forward to 2022, Yang Guang, general manager of Water Drop Insurance Broker, said: "In the new year, Water Drop Insurance will continue to provide users with more inclusive and cost-effective products, as well as more convenient and smarter services. We will pay more attention to user value creation, strengthen scientific and technological output, and adhere to the service tenet of’ insurance surname’."
(The picture is authorized by Water Drop Insurance to be used by China Net Finance.)