[ 09:08, January 26, 2017 ] Source:[ China Insurance News ] Shao Hongji Hu Lina Double-click auto-scroll

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In recent years, the insurance industry in the insurance function, product innovation, Internet services, public welfare, etc., to play the insurance charity Function. Insurance is more scientific, more reasonable, more dignified, more broadly meaningful charity, is a big charity.

Insurance, as a mechanism for risk diversification, uses the pooled premiums to compensate the insured who suffers economic losses due to insurance accidents.In 2015, the 20 typical cases in the insurance industry paid out a combined total of 2.9622 billion yuan, with the largest single claim in annual life insurance amounting to 15.24 million yuan. The top 10 claims cases in property and casualty insurance basically covered some major natural disasters and hotspots of wide social concern in 2015, including "Ningbo typhoon" "Nepal earthquake (involving Tibetan herders)" "The 6-1 Oriental Star tourist ship capsized and sank", "Taiwan Fuxing Airlines plane crash", "Tianjin Port 8-12 explosion" and other accidents. Insurance in which all by playing the function of protection, give the affected area practical material policy protection and economic aspects of compensation, for the maintenance of the interests of the affected area, recovery and reconstruction, social stability are of practical significance.

June 27, 2016, Ningbo was approved as the first national insurance innovation comprehensive pilot zone, in recent years, Ningbo early and pilot, to the reality of the problem as the guide, and continue to promote the work of insurance innovation, the formation of a number of "Ningbo experience", "Ningbo mode "In recent years, Ningbo has achieved significant results in serving economic and social development and management, and has provided more replicable and popularized experiences for the national insurance industry. Elevator safety comprehensive insurance is the first insurance innovation project after the upgrading of Ningbo City Innovation Comprehensive Demonstration Zone, through the introduction of "insurance + service" mechanism of the market means, to achieve elevator safety management of social **** governance. Ningbo insurance industry in order to solve the increasingly prominent contradiction between doctors and patients, with the help of local legislation, led by the Ningbo Municipal Government, the use of market operation, the establishment of a medical dispute resolution center. The "Medical Dispute Settlement Center + People's Mediation Committee" is the first medical dispute settlement center in China to promulgate medical dispute settlement methods in the form of local legislation, and to introduce third-party mediation and insurance claim settlement mechanisms into it in an innovative way. In order to establish a new food safety protection system, the first regional public **** food safety liability insurance pilot project in Ningbo Yinzhou landing. For the region's more than 800,000 residents, as well as nearly 100,000 teachers and students, tens of thousands of construction workers food safety on an "insurance valve"...... The fundamental good of insurance is the product to benefit the public, so that the public benefit, to contribute value to society.

Under the wave of the Internet+ era, the insurance industry is actively applying mobile Internet, cloud computing, big data and other innovative technologies, combining the application of advanced technologies with store construction to create intelligent stores in the insurance industry that are equipped with a customer experience, enjoyment of services, self-service, interactive services, and other service function partitions. Customers can experience tailor-made professional services using new Internet technologies while experiencing sitting services and counter services. The insurance industry has implanted the application of new technologies into all aspects of customer insurance, service and claims, providing customers with high-quality and convenient insurance services. Internet insurance, to fully tap and meet the insurance needs born in the era of Internet finance, more for Internet enterprises, platforms, individuals to provide professional insurance protection services.

In fact, insurance organizations are also one of the most enthusiastic organizations to do charity. A series of insurance companies such as PICC, National Life, Ping An and Tianan are always seen in large-scale charity activities. Almost every insurance institution regularly participates in a number of charitable and social welfare projects every year to give back to the society, fulfill their social responsibility, build up a good image, and carry out a series of influential public welfare activities, including investing in the establishment of Hope Primary Schools in poverty-stricken areas, and sending school supplies, desks, and books to the students of Hope Primary Schools; setting up insurance scholarships in universities, and donating research funds to special research institutes such as those for cancer; sponsoring the Hope Project, the handicapped, the elderly, and the disabled, and the elderly. Hope Project, the disabled, the old, the young and the poor; advocate and organize large-scale public welfare activities, tree-planting, blood donation, charity jogging, etc., the insurance industry for the poor areas and the needy to send warmth and protection, with the practical action of the interpretation of the insurance of the love of selflessness, but also shows the beautiful style of the insurance industry.

Insurance plays a charitable role, not only in the insurance function, insurance product innovation, insurance charitable public welfare, more insurance practitioners are also in the community quietly dedicating love. 2009 May, the insurer Lin Ping in order to save the 9-year-old girl Xu Jie suffering from serious illnesses, gratuitous donation of 48% of their own liver, so that a young life on the verge of death to get a new life. Lin Ping composed a hymn of life with her noble character and kind and selfless love. After the liver donation, Lin Ping is enthusiastic about public welfare activities, attracting more social forces to participate in public welfare practice. On the evening of July 2, 2016, the insurer tube Yangzhi off duty on the way to save a woman who fell unconscious on a bicycle, the rescue process found that the cause of the accident was a manhole cover washed away by the water, for fear of repeating the accident, he disregarded his personal safety, stood on duty at the accident site to direct traffic, and then unfortunately was hit by a large truck and seriously injured. The selflessness of insurance practitioners carries forward the characteristics of insurance charity and conveys the positive energy of insurance.

Insurance is a great charity.

Insurance is based on sincerity, established on faith and heavy on responsibility. Whether it is advocating the traditional insurance culture of "mutual help ****ji" or the current "trustworthy, risk-taking, service-oriented, standardized" core values of the insurance industry, always adhere to the people-oriented care and responsibility. The insurance industry should actively comply with the logic of the "new normal", face up to the challenges, seize the opportunities, take the construction of Ningbo National Insurance Innovation Comprehensive Pilot Zone as an opportunity, combine the latest technology of Internet + and the concept of insurance charity, change the image of insurance, fulfill the social responsibility, release the charitable function of insurance, resolve conflicts for the society, take responsibility for the government, and share the worries of the people. responsibility, and share people's worries.