Since the beginning of this year, as the economy and society have fully resumed normal operation, the effects of policies to stabilize growth, employment, and prices have gradually emerged, market demand has gradually recovered, production and supply have continued to increase, the quality of my country's economic development has continued to improve, and the national economy has recovered. As a professional pension insurance company within the Ping An Group, Ping An Annuity has been actively providing welfare protection plans for corporate employees, giving full play to its expertise in risk protection, and has always been committed to serving the national economy, the people's livelihood, and national strategies.
Dig deep into the pain points of small and medium-sized enterprises and launch an upgraded version of "Ping An Jingye Fu 3.0"
"Main and subtle", while Ping An Annuity pays attention to the group insurance market and serves the real economy, it makes precise efforts and takes the initiative to make solid, detailed and refined product research and development and service capabilities, focusing on solving the insurance protection needs of small and medium-sized enterprises. , and the pain points of small and medium-sized enterprises such as insufficient risk protection, weak anti-risk ability, and lack of full-time insurance agents.
Small and medium-sized enterprises are a new force for industrial upgrading and an important carrier of employment. They are also the group that has been hit the hardest by the epidemic and has the most difficulties. Faced with the current difficulties of small and micro enterprises, Ping An Annuity launched an upgraded version of the "Ping An Jingye Fu 3.0" insurance protection product to the majority of small and medium-sized enterprises and institutions. On the basis of liability, the company can upgrade the optional additional hospitalization liability to provide a comprehensive risk management guarantee plan for employees of small and micro enterprises.
Ping An Annuity’s small and micro-group products are characterized by simple and practical solutions and convenient and fast processes. The company’s innovative H5 model realizes the entire process of online insurance application, preservation, and claim settlement, providing customers with "worry-free", "time-saving" and "money-saving" services. " service. Since its launch in November 2019, the product has served a total of 270,000 group customers and 7.3 million insureds, covering about 1,100 sub-sectors, with a compensation amount of over RMB 1.9 billion, and an average of 165 claims are processed every day. In the first half of 23, it has served 35,000 group customers and 650,000 insureds, covering about 900 sub-sectors, with a claim amount of about 270 million, and an average of 140 claims cases per day. It has played an active role in stabilizing enterprises and helping small and medium-sized enterprises to tide over difficulties.
Product guarantee and upgrade, escort for sustainable development
In terms of product protection, compared with traditional group insurance products, "Ping An Jingye Fu 3.0" has the characteristics of comprehensive protection liability and high protection amount. At the same time, the initial sudden death protection liability, upgraded and additional health liabilities such as hospitalization and medical treatment, greatly eased the worries of business owners. , to escort the sustainable development of small and micro enterprises.
Industries such as wholesale and retail, accommodation and catering, and cultural tourism services that have been most affected by the epidemic in the past two years account for about 50% of the customers of "Ping An Jingye Fu". A cold chain company in Shanghai is a company engaged in the production and sales of frozen food. In early August last year, an employee of the company was killed in an accident. Fortunately, the company has insured the "Ping An Dedicated Work" product for all employees, and the death compensation of 500,000 yuan will be paid to the company that has just resumed production and the families of the employees to help them tide over the difficulties. The person in charge of the company said that the high accident liability and sudden death liability of this product, and the high cost performance are very suitable for the needs of the company, giving the company and employees a reassurance.
Technology empowers products and services to create intelligent risk control
In terms of products and services, Ping An Annuity fully utilized its financial technology advantages to provide customers with more convenient and efficient services through technology empowerment. In the past, group insurance was mainly done offline, with heavy workload and long process, and various insurance companies had various occupational classifications. "Ping An Jingye Fu" through the H5 online insurance application of group customers, breaks through the time and place restrictions, and realizes the whole process of real-time online processing.
Ping An Annuity’s insurance application system is connected with the data of the national organization code center in real time, which greatly simplifies the insurance application procedures and shortens the insurance application time for customers. , so that business owners feel comfortable buying insurance and using it with confidence. At the same time, through the self-built group insurance big data platform and intelligent underwriting system and other risk control systems, it can automatically identify the industry risks of the insured group, and realize the rapid and intelligent review of the vast majority of customer risks. The smooth operation of "Fu" provides a strong guarantee.
Economy is the body, finance is the blood, and serving the development of the real economy is the bounden duty and purpose of finance. Pension insurance actively innovates and takes the initiative to focus on enhancing the quality and efficiency of financial services for the real economy and enhancing the function of financial services for people's livelihood, while constantly innovating the "product + service" model to escort the healthy development of small and medium-sized enterprises.
(Contributed by Ping An Annuity Shenzhen Branch)