H Company Insurance Product Value-added Service Innovation Research

For recent years,value-added services of insurance product become the distinctive features of the insurance market in the circumstance of entering new normal status of social and economic development of ourcountry and raising of people' sllife standard.Profound changes have taken place in domestic insurance market pattern.Improving service mode,innovating service connotation and improving service quality have become the core content of the competition in the current insurance market,which is directly related to the survival and development of insurance institutions.H company,being one member of many insurance institutions,customer service department was established earlier,and value-added service for various and multi-level innovation practice has achieved certain resuIts.However,the value-added innovation of insurance product service is a systematic project,which requires a proactive and gradual development,which inevitably cause some problems.Based on this,this paper takes H company as the main research object,combining methos of literature research and case study,the article gives innovation design for the current insurance products,value-added service principle,direction and content of H company by analyzing the current situation,problems and reasons of existing value-added service of insurance products,using frontier theory and related tools of customer value,service innovation and precision marketing.Based on the four-dimensional model of service innovation and the problem-oriented approach,the paper puts forward an innovative path of six latitude implementation from the service concept,interaction interface,interactive mode,interactive channel,transmission mode and technology application as well as the corresponding supporting measures.This paper hopes that with the aid of combination of theory and practice,it can improve the management level of value-added services of insurance products,cultivate the core competitiveness,consolidate the dominant position in the insurance market and provide the systematic decision-making reference.But also expect to provide theoretical reference and practical reference for the innovation and development of insurance industry in China.