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        怪咖论文范文素材 “怪咖”保险噱头还是?

        版权:原创标记本站原创 星级:★★★★★5.0主题:邻座同学是怪咖范文 级别:优秀论文选题 范畴:电大期末论文 论文范文编号:biyelunwendq0272975 期刊发表:职称评定 全文字数:10000字 投稿作者:ruboij 审稿编辑:著名学者 阅读次数:39067

        这是一篇与怪咖论文范文相关的免费优秀学术论文范文资料,为你的论文写作提供参考。

        “怪咖”保险噱头还是创新“月亮险”开始,脱光险、爱情险、电影票取消险、春运险、熊孩子保险、怀孕险、毒包裹险、“喜阳阳”险、“吃货险”、“人在圃途险”、“BOSS莫怪险”、摇号险……近期频频出现的保险“怪咖”让人不得不多了一份深思。

        邻座同学是怪咖论文 邻座同学是怪咖

        现代城市风险管理防范

        有效防范金融风险——二论做好当前金融工作

        标准化建设为抓手切实提升社会保险服务能力

        邻避冲突现状其风险认知趋向

        近日,长安责任保险在北京推出“摇号险”,最低10元即可购买一份“摇号险”,被保险人为在北京通过摇号方式取得小客车购买指标的申请人。推出两天后,“摇号险”推出仅两天就已经卖出734单。

        自2013年中秋节的“月亮险”伊始,脱光险、爱情险、电影票取消险、春运险、熊孩子保险、怀孕险、毒包裹险、“喜阳阳”阳光险、“吃货险”、“人在囧途险”、“BOSS莫怪险”……各式各样的“创新”或称“怪咖”的保险越来越多,大有愈演愈烈之势。

        怪咖社区

        保险专业论文选题保险学年论文社会保险论文保险论文前言保险学毕业论文保险法律论文

        那么,这些奇特的保险产品,真的是创新么,还是噱头大于创新呢

        创新同时更为“赚噱头”

        仔细查看这些保险产品的售卖内容和条款后,记者发现,不少产品虽然都打着“创新”的名头,借助某个有些相关的节日推出,但主要还是为了吸引公众眼球。

        比如,2013年11月11日,中国平安借“光棍节”之名在淘宝推出“脱光险”,跟投保人约定,若在未来一年内,被保险人可以完成婚姻登记,则可获得保险金,但保险金实际为婚介机构提供的50元礼品券,500元酒店抵用券和价值4999元的旅游券,同时也带有一定人身意外保障。

        而此次长安保险的“摇号险”保费分为四档:10元、45元、1000元、2000元。如果中签,被保险人可获得保费100倍的 返还,即分别获得价值1000元、4500元、10万元、20万元 或同等价值的交强险等。如果没中签,符合条件的摇号族也可获得保费50%的代金券返还,可用于购买下期“摇号险”等。此外,保险期间内,被保险人在驾驶本合同指定的机动车辆类型过程中发生道路交通事故而致身故、伤残的,可获得意外伤害保险金。

        华泰财险在春节期间推出的“人在囧途险”则保障功能稍强些,可以提供飞机、火车、汽车等交通工具重大意外事故、意外医疗等人身伤害保障,还专门为因上述理由造成延误的旅客提供188元的年夜饭补偿,一份保费20元,看起来很低,但保障期很短只能保障春节7天,从费率上讲并不算很便宜。

        上海财经大学保险系主任钟明就表示:“保险是讲概率、讲大数法则的,通常是对损失概率不是很大,但是损失比较大的标的进行投保。从个人消费者角度出发,购买保险从某种作用上就是一次‘ ’,但并不是法律作用上的‘ ’,因为没有人购买保险是为了从中获利?!崩嗨普饪睢耙『畔铡?,保障作用并不高,更像是购买者和保险公司“对赌”以便通过中号获益。

        业内温和评价有利探索未来

        不过,对于这些“怪咖”保险的出现,虽然市场上的批评声不绝于耳,但毕竟保险产品的市场细分和渠道创新也是今后的一个趋势,特别是“保险爱上互联网”还是比较好的一件事,因此专家、学者对此的评价还是比较温和的。

        从销售数据来看,目前通过网络移动渠道“尝鲜”这些“怪咖”保险的都是年轻人,他们熟悉互联网,经常参与网购,对于保险的了解程度并不高。但未来5~10年后,他们将成为保险公司未来重要的客户,因此从这个角度看,保险公司推出这类产品可以说是在培育市场。

        与此同时,这些互联网上推出的创新产品只是针对一些特殊消费者推出的特殊产品并不具备普遍推广作用。与传统保险产品相比,这类“怪咖”设计更为简单,不会因此削弱消费者对于传统保险产品的需求,反而有利于消费者接触和认知保险。

        “怪咖”保险噱头还是?论文范文数据库相关参考属性
        有关论文范文主题研究: 关于怪咖论文范文检索 大学生适用: 8000字研究生论文
        相关参考文献下载数量: 14 写作解决问题: 怎么撰写
        毕业论文开题报告: 论文模板、论文摘要 职称论文适用: 职称评定、职称评副高
        所属大学生专业类别: 邻座同学是怪咖 论文题目推荐度: 免费怪咖选题

        当然,在“专做怪咖”的同时,如何更好开发、挖掘互联网保险产品的保障功能,则更值得广大保险公司去探索和专注。

        参考材料:

        [1]房地产行业金融风险防范

        [2]加快我国银行保险的策略

        权威点评

        怎样撰写怪咖学位论文?本文关于怪咖社区论文范文,可以做为相关参考文献,对写作被保险人和保费和互联网论文范文与课题研究的大学硕士和本科毕业论文开题报告范文和相关文献综述及职称论文参考文献资料下载有帮助.

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