Research On The Problems And Countermeasures Of Scenario-based Insurance Development

Scene insurance is a term that emerges after the rapid development of Internet insurance in China.It refers to the insurance products that provide protection for specific risks based on specific scenarios.It has the characteristics of fragmentation,high frequency and personalization.Behind each consumption scenario,a fragmented insurance policy can be produced to solve the pain of consumers.Since the introduction of the first scenario insurance in 2010,the return freight insurance,the Internet scenario insurance has gradually entered the right track.In every scenario of daily travel,shopping,transportation and tourism,from the newly issued account security insurance to the cancellation of order insurance,from outdoor sports insurance to cosmetics allergy insurance,product categories and service categories have been further excavated.Simply click on the Internet or mobile phone,you can immediately enjoy the insurance services corresponding to consumer behavior,and gradually penetrate into our daily life according to the strong strength of the internet;from the first decline of Internet auto insurance business in 2016 to the emergence of non-auto insurance business,scenario insurance has contributed tremendous strength,the development trend of scenario insurance is not small.Look at it.Scene insurance also shows serious problems in the actual product design and market operation,such as insufficient innovation power,serious product homogeneity,incompatible legal supervision system and so on.Based on actual cases,this paper focuses on the problems in the development of scene insurance,and takes the problems in product design as the main breakthrough point,focusing on the risk control and giving priority to them.The countermeasures and suggestions for the next development of scenario insurance are put forward.Scientifically designing products,improving customer experience and standardizing market operation are the main routes to solve the development problems of scenario insurance.If the defects of product design itself cannot be well solved,the core of risk control will be damaged,and the rights and interests of consumers and even insurance companies will be damaged.Therefore,the innovative environment of scenario insurance should be original,strengthened experience and promoted.Supporting facilities.In order to build a good and sustainable Internet insurance scenario ecology.