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文章主要探讨电子商务成为高风险的复杂保险销售渠道的可行性,通过对产品本身特性分析,创新出三方参与共赢的销售模式,即团体客户单位以优惠于普通定价的价格“团购”员工福利保险,保险公司在履行合同过程中为被保员工个人提供更优质的客户服务,并对产生的数据信息进行分析及挖掘,依此向目标个人客户开展低成本的营销活动。而个人客户在过程中能真正实现体验后再消费的方式。在多方诚信且信息透明的基础上降低团体客户,个人与保险公司之间的交易成本,合理运用电商营销多种方式技术。并形成良性循环,剪除“骗保骗赔”“理赔难”等行业痼疾,共创和谐诚信的氛围。
The paper mainly discusses the feasibility of e-commerce as a high-risk complex insurance sales channel. By analyzing the characteristics of the product itself, this paper innovated a three-way participation win-win sales model, that is, Employee benefit insurance, insurance companies provide better customer service to insured employees in the process of contract execution, analyze and excavate generated data and information, and thus carry out low-cost marketing activities to target individual customers. Individual customers in the process can really experience the way after spending. On the basis of multi-party honesty and transparency of information, it reduces the transaction costs between group customers, individuals and insurance companies, and makes rational use of multiple methods of e-commerce marketing. And create a virtuous circle, cut off “cheat insurance fraud ” “claims hard ” and other industries ills, create a harmonious and honest atmosphere.