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德意志银行携手保险科技创企

本周,德意志银行宣布与保险科技创企业Friendsurance建立新的战略合作关系。双方将携手为用户提供建议,帮助用户选择和管理保险合同。德意志银行的目标是让客户更简单、透明、方便地应用保险产品。

德意志银行表示,未来将会把Friendsurance的数字产品整合到其在线银行门户网站中,该行客户预计在2018年年中即可使用这类保险服务。未来,客户可以轻松查看所有保险单以及通知期限、保险范围和理赔记录等关键细节。客户也可以在线管理他们的保单,比较保单和条件,必要时可以更换保险公司或采取新的保单。此外,用户还可以在线管理索赔,或者直接拨打“热线”并直接咨询保险专家。

德意志银行的保险合作伙伴几乎涵盖市场上所有保险公司提供的产品。所以保险经理的职能不仅仅是拿出最便宜的保险,而且还要适合客户的需求和情况。

2016年,德国补偿保险和意外保险的保费总额达到了660亿欧元。这些保险费中约有27%是由保险经纪人协商的。德意志银行和Friendsurance希望客户能够在未来几年购买和使用保险服务时逐渐转向数字经纪人,因为保险科技可以帮助人们免除与经纪商打交道的费用以及相关的高昂流程费。

 

 

 

Deutsche Bank has announced a new strategic partnership with Insurtech firm Friendsurance. The arrangement will see the two companies working together to advise clients and help them take out and manage insurance policies. Deutsch Bank’s goal is to make it more simple, transparent and convenient for clients to arrange insurance. Deutsche Bank said it will integrate Friendsurance’s digital products into its online banking portal with bank clients being able to use the insurance features in mid-2018.

Deutsche Bank notes the profound opportunity in the insurance industry. Premiums for indemnity and accident insurance totaled €66 billion in Germany in 2016. Approximately 27% of these premiums were negotiated by insurance brokers. Deutsche Bank and Friendsurance expect clients will increasingly turn to digital brokers for their insurance needs in the coming years as Insurtech eliminates the need to deal with a broker and pay the high fees associated with the current process.

Using the Insurtech features, customers will be able to see all their insurance policies together with key details such as notice periods, coverage and a claims history, all at a glance. It will also be possible for clients to manage their insurance policies online, to compare policies and conditions and, if necessary, change insurer or take out a new policy.

Users may also manage claims all online. Alternatively, they may always call a “hotline” and speak with a qualified insurance expert.

Deutsche Bank’s insurance partner covers products offered by every single insurer on the market. When selecting a policy, the determining factor is that the insurer applies the same criteria that leading consumer protection groups do. So the insurance manager function will not just come up with the cheapest insurance policies but the most suited to each individual client’s needs and situation.


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