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Friendsurance:做“分享经济”时代的互联网保险

如今,众筹正逐渐流行起来,人们用它来进行房地产买卖、借贷甚至缴纳学费。

每个行业都多少会有一些低效的地方,去除这些低效率的环节可以使流程更优化、更惠民,这也是众筹广受欢迎的原因。

然而有一个领域的投资却不一定总有汇报,那就是保险。许多人付了多年的保险费,但是从未提出索赔。

那么有没有什么方法可以利用大众力量创造出一种更好的保险产品呢?

来自德国的Friendsurance给出了自己的答案:利用同龄团体的力量,Friendsurance将每年对零索赔团体给予奖励。

Friendsurance联合创始人及总经理Tim Kunde为我们阐述了公司的运营理念和成功原因:

问:是什么启发了你们创建了Friendsurance呢?或者说什么样的经历让你们想要解决这些问题?

答:在2010年,我们发现虽然很多人拥有保险,但是他们从不或者很少使用。

然而,对于这些表现良好的的客户,保险公司却很少提供奖励——即使这样的客户会帮助减少保险公司的工作量和工作成本。我们觉得这样不公平。

这就是为什么我们开发了革命性的P2P保险概念。在每年年底,我们将对零索赔的小团体中的客户进行现金返还奖励,即零索赔奖励。现在在德国,很多零售产品实行零索赔奖励制度,包括个人借贷、家庭物件保险和诉讼费保险等。

我们的产品也可以附加在现有合同中,流程并不复杂,这也算是一种节省保费的好方法,而且无需改变保险覆盖范围,也无需改变保险费或保险供应商。

可以说,我们的P2P保险模式正在引发一场世界范围内行业革命。。

问:购买保险有时候是个难题。在这个过程中,您觉得有哪些方面可以改进?

答:在过去几十年中,保险业并未进行多少数字化创新,因为传统的保险公司缺乏数字化知识。传统的保险业可以从Friendsurance这样的金融技术公司中学到很多,因为我们非常注重以客户为中心,而且解决问题速度非常迅速。

我们的零索赔奖励不仅让消费者受益,也会给保险公司带来好处。在不增加任何费用的前提下,零索赔的客户可以获得最高为保险费40%的现金返还。所以,这样的保险不仅对于消费者来说更便宜了,清晰的财务状况反馈也有助于减少保费诈骗。

而且在Friendsurance制度下,保险索赔率也低于市场均值,这就是我们说的“保险公司受益”,因为受保人的良好表现可以降低所赔率和处理费用。另外,零索赔奖励还可以提高消费者的满意度和忠诚度。而我们的这个理念更是在“联合国世界峰会奖”上被誉为德国最佳数字革新之一。

问:您是怎么想出让一小组的人联系在一起这个主意的?相互之间有责任吗?这个理念看起来和众筹以及货币公库的团体概念都很相似。

答:根据分享经济的理念,拥有相同保险类型的客户可以组成一个团组。他们的保险费中的一部分被放入现金返还库。在年底,如果该团组索赔为零的话,组内成员就可以拿回这部分钱。

发生索赔后,对于组内每个人的现金返还奖励都会降低。对于小的索赔,将使用现金公库中的钱进行处理。对于大型索赔,保险公司将覆盖一切超出团组覆盖能力的部分。如果现金公库中的钱不够处理索赔,那么止损保险将承担剩余部分。因此,使用Friendsurance,客户不仅可以享受自始至终的完全承保,也不用多花钱。

问:人们是怎么被分在一组的呢?他们之前认识吗?

答:根据保险类型不同,每小组成员的数量从4到16人不等。持有相同类型保险的客户将通过网上自动匹配的方式分组。不过,他们的保险公司和保险服务内容可能不同。想要和认识的人分在一组也是可以的,用户可以直接或者通过Facebook和LinkedIn邀请朋友、家人加入Friendsurance.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Since crowdsourcing became popular, the concept has been adapted to purchase real estate, lend money, and even fund tuition.

These ideas flourished because the pioneers in each space saw inefficiencies that could be removed to create a better, more affordable process. Trim the unnecessary to leave the truly important.

One area where we do not always see bang for our buck is insurance. Many pay premiums for decades but never file a claim.

That got a group of people in Germany thinking. Was there a way to use the power of the crowd to create a better insurance product?

The team at Friendsurance thinks so. Leveraging the power of the peer group, Friendsurance rewards small groups with a claims-free bonus each year no member files a claim.

Friendsurance Co-Founder and Managing Director Tim Kunde explains the concepts behind the company and why it works.

Describe what led the founders to create Friendsurance. What were the experiences that shaped your desire to solve this problem?

In 2010, the founders of Friendsurance realized that many people own insurance that they don’t or only rarely use.

However, insurers don’t reward caution and fair play – even though this means less work and lower costs for them. We don’t think this is fair.

This is why we have developed a revolutionary peer-to-peer insurance concept, which rewards small groups of users with a cash-back bonus at the end of each year they remain claimless: the claims-free bonus. Currently, the claims-free bonus is available on a range of retail products in Germany: private liability, home contents and legal expenses insurance.

Our concept can also be added to existing contracts very easily, creating the most convenient way of saving insurance premiums – without any change in coverage, premium or provider.

With our P2P insurance model we have created a worldwide trend. Currently a new insurance segment is rising.

Purchasing insurance can be a difficult process. What were some of the areas in that process you believed you could improve?

The insurance industry has not seen much digital innovation over the last decades because traditional insurance companies lack digital knowhow. Traditional players can learn a lot from Fintech companies such as Friendsurance as we are very customer-focused and have the ability to iterate quickly.

Our claims-free bonus creates value not only for customers but also for insurance companies. Without any additional costs, the claims-free bonus allows policy owners to get back up to 40 percent of their premiums if no claims are submitted. Therefore insurance not only becomes cheaper for the consumer but also provides a clear financial benefit for careful and fair behavior, which in turn reduces fraud.

Accordingly, Friendsurance records a claim frequency below market average.

At the same time Friendsurance helps insurance companies. Improved behavior reduces claims and processing costs. Additionally, the claims-free bonus helps to increase customer satisfaction as well as customer loyalty. Our idea was already awarded as one of best digital innovations in Germany in the “UN World Summit Awards.”

How did you come up with the idea to have small groups of people linked together? Is it accountability? The concept seems to have similar aspects to the use of affinity groups in crowdfunding and accessing peer groups in money pools and similar concepts from Latin cultures.

Based on a shareconomy approach, policy owners with the same insurance type form small groups. A part of their premiums is paid into a cash-back pool. If no claims are submitted, the members of the group get some of their money back at the end of the year.

In case of claims, the cash-back decreases for everyone. Small claims are settled with the money in the pool. In the event of bigger claims, the standard insurance company covers any amount that exceeds the coverage through the group. In case there is insufficient money left in the pool to cover a claim, a stop-loss insurance covers the rest. As a result, policy owners always enjoy full coverage and never pay more than they would without Friendsurance.

How are people grouped together? Do they know each other before hand?

The groups have between four and 16 members – depending on the insurance type. New customers are connected automatically online with other policy owners with the same insurance type (e.g. home contents). However the insurance can be by different providers and include different services. Customers who prefer to create their group individually can connect with people they know: They can invite friends and family or match their Facebook and LinkedIn contacts with the Friendsurance members.


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