Research On The Innovation Of Internet Insurance Products

With the rapid development of the Internet and e-commerce,the Internet insurance now enjoys its good opportunity of development?Internet insurance business is developing rapidly and competes fiercely in the market,many insurance companies and third parties are actively exploring development opportunities,from operations?marketing?and products to explore the ways of transformation and innovation?Among them,the innovation of products is particularly prominent and important?But the internet insurance differs from traditional insurance and it's not simply move products from offline to online,but the combination of the internet and insurance,which strengthens the cooperation with other industries?Resolve the old problems by Internet,results in new needs and new business?To research and develop insurance products of scene,customized and fragmented so as to meet the needs of controlling and transferring the risks of public Internet consumption is particularly urgent? This strongly demands the capability of market reaction,initiative,the ability of developing products and service of an enterprise?Moreover,the entire backup support system,from the site,APP?We Chat and Weibo,even the entire business system must adapt to the operating way of customer-centric rather than policy-centric?From the development of Internet insurance products,With the nature and character of insurance and the Internet as the foundation,using the related theory knowledge,this paper analyzes the current problems of the innovation of Internet insurance;focuses on the factors that restrict the Internet insurance products develops in a health and effective way,notes that the innovation of insurance products must follow the six principles of insurance,legality?customer demand-driven and so on,identifies the direction of innovation,innovating products according to the steps of developing products and compares the cases with developmental prospects and the controversial ones to further prove the correctness of the above theory?In the times of "Internet +" and under the environment of opportunities and challenges,how to successfully innovate products is the key point of this paper?Regarding the future trends of the innovation of Internet insurance products,the suggestion will be given on the three directions of focusing on the mobile terminal products,the potential customers of the 80 s and 90 s and the fragmentation of demands?...