I. Germination period (1997 -2007)
At the end of 1997, the first professional Chinese website in China-Internet Insurance Company Information Network was born. In August 2000, CPIC and Ping An launched their national websites almost simultaneously. In September, 2000, Taikang Life Insurance announced the opening of Taikang Online in Beijing, realizing the whole network service. At the same time, various insurance information websites are constantly emerging.
However, due to the immature market environment of the Internet and e-commerce at that time and the impact of the bursting of the first Internet bubble, the audience and market participants did not know enough about Internet insurance. At this stage, the Internet insurance market has failed to achieve large-scale development, and only played an information role as an enterprise portal in a limited scope. With the promulgation of People's Republic of China (PRC) Electronic Signature Law in 2005, the Internet insurance industry in China is facing new development opportunities.
Second, the exploration period (2008 -20 1 1 year)
The rise of e-commerce platforms such as Alibaba has brought a new wave of development to the Internet market in China. With the new market development trend, Internet insurance began to appear market segmentation. A number of insurance websites with insurance intermediary and insurance information service as their orientation have sprung up. Some websites have achieved greater development under the impetus of venture capital.
At this stage, due to the relatively small scale of e-commerce premiums of Internet insurance companies, the strategic value of e-commerce channels has not been fully reflected, and the allocation of channel resources is on the verge of being ignored. Insurance e-commerce still hasn't been paid enough attention by decision makers of various companies and lacks effective policy support.
Three. All-round development period (20 12 -20 13)
During this period, insurance companies rely on official website, insurance supermarkets, portals, offline business platforms, third-party e-commerce platforms and other ways to carry out Internet business, and gradually explore the management mode of Internet business. Among them, 20 13 is called the first year of internet finance, and the insurance industry has also achieved leap-forward development in this year. Property insurance represented by universal insurance detonated the third-party e-commerce platform market.
Internet insurance is not only the internetization of insurance products, but also the complete subversion of business model and the innovation of insurance companies on business model. Internet insurance is not as simple as selling insurance products on the Internet, but to fully tap and meet the insurance demand that came into being in the Internet finance era, and provide more professional insurance protection services for Internet enterprises, platforms and individuals. After a period of analysis, the insurance industry has explored a set of relatively controllable and reliable systems and experiences, and established the basic model of Internet insurance. It has become an irresistible trend for insurance companies to enter e-commerce.
Fourth, the outbreak period (future)
After more than ten years of development, the influence of e-commerce on traditional industries is deepening. The rapid development of e-commerce, Internet payment and other related industries has laid an industrial and user foundation for e-commerce in the insurance industry, and the era of insurance e-commerce has arrived.
In the future, the pure land of mobile exhibition industry will set off a new wave of internet insurance, and carry out all-round insurance business around mobile terminals, including product sales, premium payment, mobile marketing, customer maintenance services and a series of business activities. The application of insurance industry in mobile terminals can be divided into four steps: the first step is paperless, converting paper insurance policies into electronic insurance policies; The second is intelligence, which realizes the simple and standardized operation of exhibition industry and insurance business on the basis of paperless; The third is customization, providing customers with advanced customized insurance products that return to the essence of protection; The fourth is to build an intelligent mobile insurance ecosystem, including advanced customized product lines and all-round mobile services that break the time and space constraints.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.