At present, the new network insurance models developed by the insurance industry with the help of advanced electronic information technology and the Internet platform include the following. (1) Insurance company website. Independent insurance company Website Design , aiming at spreading the company's products and services: selling insurance products, providing consulting, claims and other insurance services. This is a pure virtual online insurance company. It is also insured by online dealers, providing personalized services and high flexibility. E-COVERAGE in the United States belongs to such a pure online insurance company. At present, China does not allow free rates in the insurance industry, and it is impossible to achieve differences in prices and services when there is little difference. It is estimated that a new online insurance company will not be established according to this model in the near future.
(2) Online insurance supermarket. This is a trading place provided by independent service providers for insurers and customers. It provides product information of different insurance companies, and provides customers and insurance intermediaries with a wide range of choices and channels to complete transactions. For example, insurance companies have established their own content platforms and trading platforms on third-party websites such as "ebao", "online insurance" and "China Insurance Network" to provide online services for customers. This kind of website is very beneficial to customers. Customers can compare the products of multiple insurance companies by logging on one website and easily choose the insurance products that are suitable for them.
(3) Online financial supermarket. In this kind of market, which is similar to online insurance supermarkets, customers can enjoy the "one-stop" service provided by financial supermarkets that integrates savings, credit, settlement, investment, insurance and other functions.
(4) Online risk trading market. This is an online market opened by Internet service providers acting as brokers to facilitate insurance companies, reinsurance companies and customers to seek risk exchange with each other.
(5) Online risk auction market. Customers use the Internet to deal with their own risks through this 2B business model, which truly reflects the customer-centric business model. It is believed that with the rapid development and popularization of information technology and the Internet, e-commerce in the insurance industry will inevitably lead to new business models that we cannot imagine today.
