Under the guidance of the Notice, China Ping An Life Insurance Company of China Insurance Company adhered to the compliance management and launched a series of new measures in the field of Internet insurance, which effectively protected the rights and interests of insurance consumers with high-quality products and efficient services and actively promoted the healthy and orderly development of the Internet insurance industry.
Adhere to compliance, innovate and develop to meet the diverse needs of the masses.
Internet insurance officially entered the "traceability era", and China Ping An Life Insurance Company of China Insurance Company finally insisted on building a traceability system through scientific and technological means to realize the traceability management of the whole process, scenarios and data of insurance business. At the same time, through digital operation, China Ping An Life Insurance Company of China Insurance Company has effectively improved its full-process service capabilities such as underwriting, claim settlement, renewal, preservation and value-added services. In addition, China Ping An Life Insurance Company of China Insurance Company also provides users with reliable and comprehensive products by tapping the data value of multiple scenarios, effectively solving the actual pain points of users and meeting the diversified needs of users.
It is reported that the newly launched "E Worry-Free Huimin Edition" of China Ping An Life Insurance Company of China Insurance Company has fully exerted the "universal" and "universal" characteristics of Internet insurance products; In view of the current national sports craze, the "sports accident" insurance was introduced; Aviation accident insurance and high-speed rail accident insurance for different travel scenarios. As a pioneer of Internet insurance, China Ping An Life Insurance Company of China Insurance Company is committed to creating the best health products and service scenarios in the industry.
Relying on the medical and health ecosystem to provide convenient services for the people.
The Notice also provides a new idea for the development of Internet insurance: using the Internet, big data and other scientific and technological means to provide convenient services for ordinary people. Starting from service, China Ping An Life Insurance Company of China Insurance Company is committed to continuous innovation in terms of service convenience, availability, recognition and continuous improvement, so as to build a rich service ecosystem for customers and optimize service experience.
In order to give full play to the advantages of Internet insurance, Ping An Group integrates the service cycle of insurance products based on insurance protection, and creates an innovative mode of one-stop health service, providing services covering the whole process of customers from health, sub-health, chronic diseases and serious diseases.
For example, in view of the common people's "difficulty in seeing a doctor" and other pain points, China Ping An Life Insurance Company of China Insurance Company relies on the Group's powerful medical and health ecosystem resources to empower all aspects of medical care. The e-Worry-Free Huimin Edition product launched in China Ping An Life Insurance Company of China Insurance Company this time matches the full hospitalization service provided by Ping An Medical Health Management Co., Ltd. and its partners. Customers can call 955 1 1 service hotline after hospitalization, and enjoy the whole process of medical services such as pre-hospital guidance, in-hospital service and medical treatment first, which makes hospitalization more secure.
Note: The early conclusion given by the whole hospitalization service does not represent the claim conclusion of China Ping An Life Insurance Company of China Insurance Company.
Technology empowerment accelerates and optimizes the final customer experience.
Ping An Group has always advocated the operation concept of "technology makes financial services warmer", with nearly 65,438+065,438+00,000 scientific and technological employees and a first-class scientific and technological talent team of more than 3,000 scientists, and established 8 research institutes and 57 laboratories. Under the guidance of Ping An Group's "Finance+Technology" strategy, China Ping An Life Insurance Company of China Insurance Company has continuously applied the latest technology to fully implement the requirements of the Notice, such as reducing commission, optimizing fee structure and improving service efficiency.
China Ping An Life Insurance Company of China Insurance Company has established an industry-leading online business model. In terms of increasing efficiency and reducing costs, China Ping An Life Insurance Company of China Insurance Company applied AI technology to insurance service scenarios, and built four capabilities: business screening, risk location, online self-help and aviation store. All insurance businesses such as policy loan, survival payment collection, policy information confirmation, beneficiary change and claim settlement can be completed online. In terms of improving service efficiency, China Ping An Life Insurance Company of China Insurance Company launched "Smart Customer Service", which greatly improved the timeliness of service scenarios such as preservation, claim settlement and underwriting, and greatly reduced the average processing time. 70% of customers can pay within 30 minutes, and 96% of insurance can be underwritten in real time.
Awe and embrace supervision, Internet insurance is related to people's health and well-being, industrial structure upgrading, technological progress and innovation. Only by sticking to the initial heart can we develop in the long run. In the "new year" of Internet insurance, China Ping An Life Insurance Company of China Insurance Company, as a large insurance company with a strong sense of social responsibility, has taken a series of innovative measures to create a new era of Internet insurance that is more convenient, safer and more in line with the needs of the general public, providing new ideas and showing a new atmosphere.
Important tips
1. The cumulative payment of "personal limit" is limited to the total limit;
2. 120 Annual payment limit of general medical insurance premium for major diseases;
3. Compensation ratio: if the insured chooses to take out insurance with basic medical insurance or public medical care when taking out insurance, but fails to get compensation for medical expenses with basic medical insurance or public medical care when seeking medical treatment, the compensation ratio is 60%; In other cases, the payment ratio is100%;
4. There is a waiting period of 30 days from the effective date of this product. If this product is insured again due to accidental injury or not later than 60 days after the expiration of the previous insurance period, there is no waiting period.
5. If the insured falls ill within 30 days from the effective date of this main insurance contract, resulting in hospitalization, outpatient treatment or emergency treatment before and after hospitalization, we will not be responsible for paying the insurance money regardless of whether the above treatment time exceeds 30 days from the effective date of this main insurance contract.
Within 30 days from the effective date of the main insurance contract, the insured is diagnosed by the hospital with "6". "Major illness" in this main insurance contract. We will not be responsible for paying the insurance premium, and will refund the premium paid to you, and this main insurance contract will be terminated.
The above 30 days are called waiting period.
There is no waiting period in the following two cases:
(1) The insured has the above situation due to accidental injury;
(2) You reinsurance this product no later than 60 days after the last insurance period expires.
6. Reasonable and necessary expenses: refers to meeting the following requirements at the same time: (1) necessary for treatment; (2) Do not exceed the principle of safe and adequate treatment; (3) arising from non-experimental research projects; (4) Treatment according to current local medical standards.
7. Customers who have purchased other commercial medical insurance should choose according to their own needs;
8. Compensation principle: If the insured has obtained compensation from other channels (including basic medical insurance, serious illness insurance for urban and rural residents, free medical care, work unit, any commercial insurance institution including our company, etc.). ), we will calculate and pay the insurance premium according to the above agreement, and the maximum payment will not exceed the balance of the insured's actual medical expenses after deducting compensation.
9.E Worry-Free Huimin Medical Insurance is provided by Ping An E Worry-Free Huimin Medical Insurance (Internet) and underwritten by China Insurance Co., Ltd. China Ping An Life Insurance Company of China Insurance Company, which is responsible for claims settlement.
10. This product will take effect immediately after underwriting. If the investment in the insured is inconsistent, the insured must confirm it before the underwriting takes effect.
1 1. The contents contained in this information are only for your understanding of the insurance clauses. In some cases, we are not responsible for paying the insurance premium. The insurance liability, exemption or mitigation of liability, termination of the contract and other matters that have significant interests with you, the insured and the beneficiary are detailed in the insurance clauses.