Research On The Innovation Of Internet Insurance Mode Based On The Public Safety Insurance

Since 2014,the Internet insurance heat is increasing,gradually emerging in the field of Internet finance.Internet insurance companies are also expanding.The traditional insurance companies continue to issue new products,Internet insurance innovation projects are also gradually increasing.In recent years,the scale of Internet insurance premium grows quickly.The CIRC disclosure data showed that during the period of 2011-2014,the main Internet insurance business grew from 28 to 85,the Internet channel premium scale increased 26 times.Internet premium income in 2015 was 223.396 billion yuan,a 60 percent increase from the same period last year.The rapid development of Internet insurance is both an opportunity and a challenge.How to innovate the model of Internet insurance companies,further to promote the healthy and steady development of China's insurance industry,is becoming a topic of concern in the financial industry.It is also a problem that should be solved in practice.First of all,this paper defines the definition of Internet insurance,describes the developing experience of Internet insurance-the embryonic period,the exploration period,the comprehensive development period,the outbreak period,and predict the future of Internet insurance innovation will continue to break through time,region,price,channel.This paper draw the conclusion that the final Internet insurance model should be the standard product plus service equal to meet the needs of users.Secondly,this paper studies the development of Internet insurance in the United States,the United Kingdom,Japan and analyzes the overseas companies: Metromile,Friendsurance,Money Super Market and Clover Health.Some behaviors in foreign insurance industry such as provided intelligent service,differential pricing,developed new product and other experiences are worthy of China's Internet insurance industry.China's Internet insurance industry still exists a clear gap compared with foreign countriesThirdly,this paper introduces the application of insurance to meet the challenges of the Internet from the aspects of operation management,product pricing design,marketing method and service innovation,and analyzes the characteristics of purchasing crowd.In addition,this paper puts forward some suggestions on the deficiencies of Zhong An Insurance Mode innovation.Finally,this paper summarizes the conclusion of the internet insurance innovation model above comprehensive research.Through the refinement of the future development trend of Internet insurance,it puts forward some new models for insurance companies to further promote the rapid development of the Internet insurance industry.