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保险定制化时代开启 信美相互共创模式落地中财校友

2017-09-11 08:47:39   中国经济网

9月10日,信美相互聚焦的校友群体落地中央财经大学,定制版“中财信美爱心相互保障计划”及“中财信美爱心救助基金”正式上线,由此一个有序、可良性循环的自助及互助保障机制在中财校友间搭建起来。

共创模式满足个性化需求

所谓相互保险,是指具有同质风险保障需求的单位或个人,通过订立合同成为会员,并缴纳保费形成互助基金,由该基金对合同约定的事故发生所造成的损失承担赔偿责任等。

信美相互董事长杨帆表示,校友即是典型的同质风险人群,他们有着类似的教育背景、职业及生活环境,相比一般保险公司客户,多的是彼此间的了解及相互信任,而正是有了这条信任纽带,有了彼此间的利益相关,就能在一定程度上克服信息不对称所带来的额外成本,道德风险也会大大降低。

用保险的方式分散风险,目的就是让每个校友遇到不幸时首先能够自助,而一般保险公司又很难对这种表面较为松散的群体进行统一投保,信美相互推出的共创模式可以很好解决这一问题。

信美相互拟任总经理胡晗介绍,共创模式即以用户需求为导向,信美相互与用户单位建立共创联合组织,明确共创分工与流程,并在保障计划设计、方案推广及后续管理中,与用户单位融合互动,尽可能为用户提供个性化、定制化的保障方案。”

值得一提的是,在需求启发阶段,信美相互的精算师、专属服务人员都会从后台走向前台直接与用户交流,在评估用户不同保障需求的基础上对产品进行差异化组合,让用户尽可能享受到高性价比的保险保障及服务。

此外,不同年龄段的校友在“中财信美爱心相互保障计划”中都会看到不同于他人且更为贴合自身需求的养老和健康保障方案。

区块链赋能中财信美爱心救助基金

为了让互助精神能够在校友间更好传递,信美相互还与中财大教育基金会共同创立“中财信美爱心救助基金”,在校友遭受疾病、意外等重大风险事件时,还可以在保险保障之外享有爱心救助。

据悉,该爱心救助基金的资金来源主要以中财大教职工和校友投保信美相互产品的保费收入为基础,按一定比例从信美经营费用中提取,同时也接受自然人、法人或其他组织的自愿捐赠。

值得注意的是,为了让该基金能够更好发挥其作用,由9名委员组成的基金管理委员会负责日常运作,其中委员会成员分别来自中财教育基金会、信美相互、中央财大校内相关职能部门、若干校友推荐或自荐的成员。

在完善的组织体系之外,爱心救助基金还采用了蚂蚁金服的区块链技术,使得每一笔资金流向都公开透明,每一笔资金流转数据上链后由技术确保不可篡改,大大约束了资金划转被人为挪用的可能性。

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