World Cup 2014 Taobao "exotic risks" no one claims-the 2014 World Cup, Brazil's World Cup, the World Cup-IT news World Cup 2014 Taobao "exotic risks" no one claims

Cargo insurance, stay up late burst liver risks, football hooligan risk, high risk, scream burst into insurance, stay up all night red eye insurance ... ... The World Cup in full swing, two insurance companies in cat's flagship store launch 8 rare risks, price of 3 Yuan each from the launch-date sales, 4,390, premium 13,000 yuan. Reporter was informed that since the opening of the World Cup, this 8 insurance there are no accident, claims record.

"Cargo insurance" 10-day sell 1365

Beijing Youth reported reporter in all Antiy cat flagship shop see, shop total sale four paragraph premium for 3 Yuan of World Cup insurance, which hottest sold of is "foodie insurance", that acute stomach inflammatory health insurance, has sold 1365 copies, is the flower insurance in most sold paragraph; "football OWL insurance", that death/acute Shang respiratory infection health insurance, has sold 523 copies; "football rogue insurance", that accident hurt accident/medical insurance, has sold 255 copies; "football drink high insurance", that acute alcohol poisoning health insurance, About 280 have been sold.

China life official flagship store launch in "late red-eye risks", "go and watch the ball risk", "ball toss insurance," "shout voice risks" were sold in 1967. "Get red eye risks" sell 1151, flagship store is the production and sale of most products.

Chung and Chinese insurance coverage 8 "exotic risks" purchase channel for online insurance, the insurance period is 30 days, purchased amount is 3 million. Taken together the sales of 4,390, obtain premium 13170 Yuan. But as of yesterday, there is no record of any accident, claims.

Flower insurance innovation or gimmick?

And World Cup-related innovative products are broadly divided into two categories, one is based on health and accident insurance products; other events. For example, Chung insurance launched "watch high risk", "night owl risks", "cargo insurance" and "hooliganism risks" for both acute alcohol poisoning, stroke/acute respiratory infection, acute gastroenteritis, and unintentional injury death/medical.

A well-known insurer practitioner, told reporters in Beijing, the blog eye products over the Internet, mostly gimmicky product, not mainstream business in insurance companies. And smog, and the mid etc before insurance, mostly to attract attention and concentration, and without too much sense to consumers and even some risks also caused controversy. Such as Hyder insurance launched "World Cup regret risk" doubts "the lottery selling point." Neoprene side responded by saying, when designing products, the company has taken into account the risk, so avoid using cash payments in favor of a "set of treasure", while a lower payout amounts, thereby highlighting entertaining, avoiding risk of dispute.

Wonderful World Cup insurance fans do not buy it

Fans, he says, "I looked at the ' cargo insurance ' should cover onset after 3 days, and hospitalized for acute gastroenteritis disease is not only only 200 dollars, guaranteed for 30 days, there is little probability of my illness, don't buy."

"Many new products on the Internet is essentially a simple insurance products with a selling point, but in a different term it", if an insurer practitioner told bei Qing newspaper, the essence of several products are some of the short-term comprehensive medical insurance and personal accident insurance, a blogger eyeball and interesting name. For example, "watching high risks", in fact, is drunk in the short term medical insurance; "cargo insurance" is actually short term medical insurance.

For this type of selling exotic insurance during the World Cup, the purpose of insurance companies for marketing, to elevate the company's profile in the short term, which belongs to the innovative products combined with Internet. Their entertainment is strong, but is essentially a personal accident insurance, health insurance, or simply put on a coat of the World Cup. This type of insurance does not become the company's mainstream products, nor is the company's profitability, gimmicks are larger than the actual.

Innovation was fragmented by insurance?

Association statistics show that China's insurance industry, first quarter of 2014, there are 47 life insurance companies through the Internet channel sales operations, net sales scale of annual premiums amounted to 2.712 billion yuan, 5.3 per thousand of the total life insurance premium income in the first quarter, meaning 5.3 out of every 1000 Yuan in life insurance premiums is achieved through the network PIN.

Insiders believe that all kinds of so-called innovation in insurance products, there are gimmicky, low premiums and shrinking coverage, security features such as narrow. After the long term demand for insurance is fragmented, any user can buy and put on "entertainment" coats, could be more widespread insurance products. Fragmentation is a requirement, but insurance is a system, some on the long-term guarantee of health and illness insurance products can be combined with elements of the Internet, innovation in this area is far from enough.

Li Weiqun, Director of the Institute of East China University of politics and law insurance law believes that the advent of new insurance products, insurance company bowing to competition from traditional product market has been saturated, so as to make innovations, but inevitable to some extent aggressive, even part of the name does not match with the actual content of new insurance products, there is suspicion of misleading consumers.