Double 11 Online Shopping Feast: Insurance, Battle Protection Type Insurance Become The Protagonist

　　 Fear is no longer a panacea. Conduct financial transactions Retirement of type insurance

In 2013, a number of insurance companies poured into the insurance channel of the electronic business platform, and some insurance companies realized the surge in short-term premiums. Among them, the best selling net sales insurance category is universal insurance and other financial management type, because its yield surpasses many other financial products.

However, this year's "double 11" omnipotent risk is no longer in sight. In the past two months, similar products have been almost collectively closed. With the regulation of the net sales of insurance products to vigorously improve, a number of insurance companies network sales universal insurance basically suspended, waiting for the introduction of Internet insurance regulatory policy.

An insider who had been a very aggressive insurance company on the Internet marketing said: "some time ago, the company's financial insurance was stopped by the regulatory authorities. Although the recent products have passed the regulatory inspection, there is no clear opening time, so there is no relevant product plan."

"E-commerce in the insurance industry is still in its infancy, and after standardized regulation, there will be more room for future development." Limited by Share Ltd, a Sichuan branch of United life insurance, believes that the mobile Internet e-commerce is developing rapidly. It is believed that the "double 11" e-commerce marketing peak will play a significant role in promoting the scale of the entire industry.

　　 provide risk Evade scheme support type insurance or more popular.

Wu Husheng, a more than 50 year old citizen of Chengdu, has been puzzled by online shopping: "if the package is out of question, who will pay it? There will be a return problem. Who will pay the freight? What if the electronic payment account is stolen or poisoned?"

"All of the above problems can be paid by insurance companies." Industry experts said that the transformation of the main network sales insurance from the financial type insurance to the insurance protection will be an inevitable trend.

As and Alibaba With the "blood relationship" and insurance companies specializing in Internet insurance, Zhong An insurance has launched a full range of products, such as retirement insurance, Alipay account safety insurance, ginseng insurance, and the realization of loan guarantee insurance in the "double 11" period, covering many links such as consumer protection, payment, logistics and so on, providing a complete set of risk aversion schemes for buyers and sellers.

In the process of online shopping, the problem of who pays the refund postage often leads to disputes between buyers and sellers. This year's "double 11", online buyers and sellers can solve this problem through the return freight insurance provided by Zhong An insurance. "This year is the first" double 11 "after the listing of Alibaba, and the online shopping feast has expanded to the global level, and the transaction volume is expected to reach a new high. From previous years, the size of the insurance coverage is closely related to the "double 11" trading day. Therefore, we expect that this year's risk of returning insurance is likely to usher in a new peak. Zhong An insurance responsible person said that this year, all Alipay users can also buy Alipay account safety insurance provided by Zhong An insurance. Once the Alipay account balance, the balance of treasure funds and fast payment are stolen, the maximum amount will be 1 million yuan.

In addition, under the convoy of insurance, the user can obtain the loan application based on the data of the designated financial assets held by the platform, and Zhong An insurance will provide guaranty insurance to all the recruited treasure users and guarantee the security of the borrower's principal and interest. If the borrower has any overdue problems due to maturity, he will pay the principal and proceeds in full to the borrower in accordance with the relevant provisions.