Research On Internet Insurance Product Innovation In China

Internet insurance is a combination with the Internet industry and insurance industry in the "Internet +" background.It is not only a kind of computer to the Internet as the medium of insurance marketing model,the insurance plan design,insurance,information consultation,insurance fee,underwriting,policy information query,save changes,the whole process of renewal fee,reimbursement and payment of the insurance networked,also is on behalf of the insurance industry industrial upgrading.The fusion,will also cause the upgrading of traditional insurance products,so all kinds of innovative Internet insurance products have been developed.In these innovative insurance products,some products have conformed to the demand of the Internet requirement,but some are only eye-catching and stopped by China Insurance Regulatory Commission urgently.It also illustrates that the Internet insurance products in China market are more and more specialization and standardization.This article will focus on the Internet innovative insurance products research.First,it describes the China’s Internet development situation of the insurance.Then,it introduces several kinds of main products operation mode of insurance market in China,and analyzes the Internet insurance innovative products by SWOT mode and example of cases,assumes that innovation of Internet insurance product represents innovation by Internet requirement.At last,it summarizes the research on China’s Internet insurance innovative products.This article uses the recent two years newest Internet insurance innovative products for case example and aim at discussing the situation and problems about Internet insurance products.Due to there are too many Internet innovative insurance products,this article can not analyze one by one.And lack of market data,it also can not analyze these cases quantitatively.It is a pity that it only analyze qualitatively.