Then, if you plan to enter the insurance industry, you should also make preparations in advance. After all, there are only a few large enterprises, and the requirements for recruiting people will definitely be very strict.
Engineering insurance products, services and reinsurance: international market VS domestic market-industrial insurance network After long-term development and changes, the international construction market has formed a relatively mature project contracting and management model. The subject of construction activities has a strong sense of insurance protection, and there is a strong demand for engineering insurance protection based on the insurance requirements made by risk threats and relevant laws and regulations. At the same time, insurance companies and insurance intermediaries continue to develop and improve engineering insurance products and services according to the needs of the engineering insurance market, which has effectively promoted the rapid development of the international engineering insurance market.
1, analysis of international engineering insurance products and services
In the international construction market, the main body of construction activities generally has a strong sense of risk management, and attaches great importance to using insurance power to counter various engineering risk threats. Especially in the long development process of the international construction market, people's understanding of various construction risks is deepening, and the demand for insurance protection for specific risks is increasing, which gradually gives birth to relatively perfect engineering insurance products and innovative insurance services.
Engineering all risks
All risks of engineering, including all risks of construction and installation engineering and third party liability insurance, including: compensation for the losses caused by natural disasters or accidents during the construction or installation of the project itself (permanent or temporary), building materials, various engineering equipment, engineering machinery and other property; And the liability of the insured for personal injury or property loss of a third party according to law.
The insurance period of engineering all risks covers the period of engineering construction and installation; The subject matter of insurance includes property losses such as the project itself, various building materials, machinery and equipment, and personal and property losses of a third party; The main bodies involved in construction activities include owners and contractors.
Employer liability insurance and accidental injury insurance
Employers' liability insurance and accidental injury insurance both focus on the compensation for accidental medical treatment, disability or death caused by accidental injury risks. They are liability insurance, which covers employers' accidental compensation responsibilities for employees, not only compensating employees or their families who have suffered accidental injuries, but also exempting or reducing employers' economic compensation responsibilities.
The protection period of employer liability insurance and personal accident insurance covers the stages of project investigation, design, construction, installation and trial operation; The subject matter of insurance includes compensation for medical treatment, casualties and other expenses incurred by construction personnel due to accidental injuries; The main body of construction activities involved includes construction personnel such as survey, design, construction and supervision.
IDI engineering quality potential defect insurance
The insurance liability of IDI engineering quality potential defect insurance includes: the engineering quality does not meet the mandatory standards of engineering construction and contract agreement due to design, materials, construction and other reasons, as well as the repair and compensation liability caused by quality defects exposed during use.
The insurance period of potential defects in engineering quality covers the engineering survey and design stage, construction stage and operation stage, and the longest insurance period can reach ten years after completion. Among them, in each construction stage before the completion of the project, the project quality potential defect insurance mainly provides professional quality risk management services for the project construction; After the completion of the project, provide repair compensation guarantee services due to quality defects. The main body of construction activities involved in the insurance of potential defects in engineering quality includes the construction unit, the construction unit and the small business owner.
Professional liability insurance
Occupational liability insurance refers to the insurance that the insurance company is responsible for the corresponding economic compensation liability for accidents caused by negligence and negligence in construction activities (survey, design and construction), resulting in personal injury or property loss of others.
The insurance period of occupational liability insurance is also long, with the longest insurance period of 8 years under the single project insurance mode and the longest insurance retrospective period of 15 years under the annual insurance mode. The insurance liability of professional liability insurance mainly focuses on the material loss and the third party liability caused by the insurance accident, and its purpose is to provide the risk response and compensation ability of relevant professionals and ensure the smooth solution of the economic compensation problem caused by the insurance accident.
automobile insurance
Third-party liability insurance motor vehicle insurance refers to the insurance that motor vehicles with public licenses are damaged in natural disasters or accidents or cause damage to the life and property safety of third parties, and the insurance company bears the corresponding economic compensation liability.
Motor vehicle insurance, like all engineering insurance, is also a comprehensive property insurance that integrates property loss insurance and liability insurance. Insurance liability includes not only the loss compensation of the motor vehicle itself, but also the personal injury and property loss compensation caused to the third party.
Construction machinery insurance
Construction machinery insurance is a kind of engineering insurance whose insurance responsibility is to compensate for the losses of various construction machinery and equipment in natural disasters or accidents. Its additional risks include third party liability insurance and employer liability insurance, so its insurance scope can include three parts: compensation for property losses of construction machinery, compensation for personal and property losses of third parties and compensation for accidental injuries of operators.
Credit insurance and guarantee insurance
Credit insurance means that the creditor directly applies for insurance with the insurer, requiring the insurer to underwrite the debtor's credit. If the creditor suffers economic losses due to the debtor's non-performance, the insurer must be responsible for compensation according to the insurance contract. If the contractor is worried that the merchant can't pay the project payment on time, he will apply for credit insurance with the insurance company as the right holder to protect the payment credit of the owner. Once the owner fails to pay the project payment as scheduled, the insurance company will be responsible for compensating the contractor for the corresponding economic losses.
Guarantee insurance refers to the debtor's insurance, and the insurer provides credit guarantee for the debtor as a guarantor. If the debtor's behavior causes the creditor to suffer economic losses, the insurer will compensate the creditor for the economic losses instead of the debtor and has the right to recover from the debtor. If the contractor applies to the insurance company for guarantee insurance, the insurance company will assure the owner that the contractor will perform its obligations in accordance with the contract. Once the contractor fails to perform the contract, the insurance company will be responsible for compensating the owner for the corresponding losses.
Deferred completion insurance
Deferred completion insurance mainly covers the delayed completion of the project due to natural disasters, accidents and other risk factors in the construction process, which in turn causes the owner's expected profit, bank loan interest and indirect economic losses to make up for fixed expenses.
Delayed completion insurance mainly appears in the form of additional insurance for all risks of the project, and is rarely underwritten as an independent insurance. Its insurance subject matter is different from the traditional engineering insurance subject matter, which is risky and requires higher insurance technology. Usually equipped with more professional third-party risk management services, and supported by professional reinsurance companies.
In addition to sound and perfect engineering insurance products, the international engineering insurance market also has relatively mature development in the application of innovative insurance services. Its main performance is that insurance companies themselves or with the help of the services of third-party professional organizations can give powerful risk management services to engineering insurance products, such as TIS services in the whole process of engineering quality potential defect insurance, performance risk management services of credit insurance and guarantee insurance, and professional third-party risk management services of delayed completion insurance.
Through innovative research and development and extensive application of various insurance product risk management services, on the one hand, insurance companies can form a brand-new insurance guarantee role outside the existing project management system and effectively deal with risks such as project construction quality, construction safety, construction period and investment control; On the other hand, with the help of professional risk management, insurance companies further participate in construction project management, and play an important role in market access screening (the level of insurance protection or insurance premium rate affects the market business of construction enterprises), risk management in the whole process of project engineering (quality, safety, construction period and investment risk management), and comprehensive risk compensation guarantee afterwards.
2. Analysis of the development status of domestic engineering insurance market.
Since 1980s, China has been exposed to "engineering insurance", an important modern risk management tool, through World Bank loans and "foreign capital" construction projects. Comparatively speaking, the development time of domestic engineering insurance market is short and the degree of development is not sufficient. There are: uneven development of insurance types and narrow insurance coverage; Lack of insurance service innovation can not further expand the value of engineering insurance; The reinsurance market is developing slowly, which can't quickly drive the expansion of direct insurance engineering insurance business.
The development of insurance is unbalanced.
Compared with the international engineering insurance market, the overall development time of the domestic engineering insurance market is shorter. Although the construction market has a strong demand for insurance protection against risks such as project quality, construction safety, contract performance, property protection and professional liability, the market is obviously insufficient in product supply, and all kinds of project insurance are characterized by unbalanced development, which cannot form a comprehensive and effective project insurance protection.
At present, the relatively mature engineering insurance types in China mainly focus on comprehensive property insurance and accidental injury insurance. For example, all risks of construction engineering, all risks of installation engineering and comprehensive risks of construction machinery are almost necessary for all kinds of projects, and the insurance liability includes compensation for property losses of engineering or mechanical equipment itself and compensation for personal injury and property losses caused to third parties. Another example is the construction accident insurance, which was explicitly required to be insured by the Construction Law for the first time, and has been widely used in the construction insurance market. Many places regard it as compulsory insurance, and construction is not allowed without insurance.
In addition to comprehensive property insurance and accidental injury insurance, the domestic market development and practical application of engineering types such as engineering quality potential defect insurance (IDI insurance), professional liability insurance, safety production liability insurance, engineering guarantee insurance and delayed completion insurance are slow, unbalanced and inadequate. Among them, such as engineering quality potential defect insurance, engineering guarantee insurance and safety production liability insurance are all new types of engineering insurance introduced and developed in China in recent years. Despite the strong policy promotion, it is still affected by the market development time, and there are some problems in market promotion and practical application. Occupational liability insurance and delayed completion insurance developed slowly.
Lack of insurance service innovation
Traditional engineering insurance services mainly focus on the two business ports of "insurance" and "claim settlement", lacking the necessary modern post-insurance risk management services. Limited by this, new types of engineering insurance in China, such as engineering quality potential defect insurance, safety production liability insurance, engineering guarantee insurance and delayed completion insurance, are caught in a development dilemma when developing necessary risk management services: they lack professional engineering insurance risk management service technology, talents, management and service experience, and cannot provide effective risk management service support for related new types of engineering insurance, which affects the rapid and full development of the domestic engineering insurance market.
In addition to the marketing and practical application of related insurance, immature risk management services also affect the transformation and development of traditional engineering insurance business model. At present, the domestic engineering insurance market business is mainly carried out in a decentralized and combined insurance mode, and there are defects in insurance handling fees, insurance contract management, insurance guarantee and risk management services. CIP (Controlled Insurance Plan) is a common engineering insurance mode in the field of international engineering insurance. It is not a specific type of insurance, but a comprehensive insurance protection method involving all stages of construction, all participants and all risk factors, which is conducive to reducing insurance handling costs, improving insurance contract management efficiency, expanding insurance coverage and improving project risk management level. However, the development of CIP insurance model objectively requires insurance companies to have or be able to provide professional quality and safety risk management services with the help of third-party institutions, which has become the main constraint for the development of CIP insurance business in the domestic engineering insurance market.
Therefore, due to the lack of necessary and effective risk management services, insurance companies always lack business opportunities to further participate in project management and cannot play a diversified insurance guarantee role in the mature engineering insurance market.
The reinsurance market is developing slowly.
Engineering construction activities are characterized by large investment, long construction period, difficult management, complex risk factors and many risk links. Therefore, the development of engineering insurance business objectively needs the insurance technology and underwriting ability of insurance companies such as product pricing, underwriting and risk management, which requires the business support of reinsurance companies. On the one hand, reinsurance business can effectively help direct selling insurance companies diversify their business risks and become an important risk management tool for direct selling insurance companies; On the other hand, reinsurance companies will provide various insurance technical support for direct selling insurance companies, help them formulate product pricing and underwriting schemes, and provide various professional consulting services, thus improving the overall underwriting capacity and management level of direct selling insurance companies.
Engineering insurance is a highly specialized insurance field. At present, there are few professional reinsurance companies in China, the domestic engineering reinsurance market develops slowly, and a large amount of premiums flow into the international market. This is also the main reason why some special insurance types (such as DSU delayed completion insurance) cannot be effectively and smoothly carried out in the domestic engineering insurance market at present, and some new engineering insurance types (IDI engineering quality potential defect insurance and engineering quality assurance insurance) are gradually popularized and applied.
Comparing and analyzing the development characteristics of international engineering insurance market and further accelerating the development of domestic engineering insurance market are important guarantee conditions for realizing the internal and external development strategy of China's construction industry. At present, the domestic engineering insurance market still faces some development difficulties in terms of products, services and reinsurance, and there is still a long way to go to promote the transformation and development of the traditional engineering insurance market and connect with the international market.
Without credibility and contractual spirit, there is no hope.
Uninvited: What do you think of the domestic insurance industry?
A: Personally, I think the current insurance industry still relies on "personal brands". Establishing one's own brand and serving every customer well is the trend of insurance sales. Now the customer base has changed, and the insurance awareness has been greatly improved. At the same time, their ideas of learning insurance and understanding insurance are becoming clearer and clearer, and it is basically impossible to obtain customers through "flickering".
Moreover, the "professionalism" of the customer base has also led to better and better products launched by insurance companies. There are more people who know what to do, and the products are not competitive. No salesperson will "smash his own signboard" to recommend it, and no one will pay the bill.
Generally speaking, the current insurance industry is a "virtuous circle" development trend.
My humble opinion, I hope I can help you!
"Yuebaoge, I wish you more peace of mind" and more insurance information. Before talking about the domestic insurance industry, let's talk about the foreign insurance industry and say a neighbor-Malaysia! This market is called the most advanced insurance market in Asia. Of course, the so-called advanced market only refers to system design, not efficiency. Space is limited (lazy), so I will briefly talk about their insurance benefits.
1. Insurance-Insurance brokers and agents all over the country, influenced by previous colonization, have close ties with the British insurance market, have high professional quality, and their overall level is much higher than that of China.
2. Rates-The Insurance Management Committee (that is, the China Insurance Regulatory Commission) sets a rate range for each type of insurance, which can't be broken, ensuring that insurance companies don't fight for prices at the expense of the interests of policyholders. The level of insurance brokers is high. Overall, the insurance market is very healthy, and policyholders can get better services.
3. Direct insurance and reinsurance-I can understand this by giving an example. For example, if China enterprises want to insure their factories in Malaysia, they generally want to get insurance back at home (vicious competition is the cheapest). First of all, there must be a billing company in Malaysia, and the terms of submission must be reviewed by the insurance Committee (they must review every bill, so the insurance company can't reduce the price if it wants to reinsurance). At first glance, you need to submit documents that all insurance companies in Malaysia are unwilling to underwrite, so you can't go back to China as long as you can digest them locally.
4. Bonus system-For the insured who fails to pay or reaches the agreed payment ratio, the bonus can be agreed in the policy. This is an account, which is legal income for the enterprise. Our country belongs to black households.
Of course, there are many more. Look back at China. Because there are many ambiguous contents in the translation of our insurance clauses (I don't know whether the foreign clauses translated by insurance companies are intentionally translated like this), and the first insurance law was also formulated by insurance companies (remember what, key words: Mercedes-Benz female car owners, three guarantees), this led to the insured and the insured being in an extremely unfavorable position before the new insurance law, which is also an important aspect of poor insurance reputation.
Another factor of poor insurance reputation is the nonstandard and unsupervised insurance agents. Because the breadth and depth of domestic insurance are far below the international level, the domestic insurance market has just started. For the sake of performance and scale, insurance companies have just left. By 1999, anyone who can bring business can sell insurance, which suddenly reduces the professional level of insurance salesmen and gradually equates selling insurance with fraud. For a ridiculous example, I met an insurance agent who wrote a line and a half with seven or eight typos.
With China's entry into WTO, the government promised that the financial industry would be in line with international standards, and the insurance broker system was formally introduced. This is the first time that China has an insurance professional who is legally on the side of the insured and the insured. However, due to the high professional and comprehensive requirements for insurance brokers, most insurance brokers in China can't provide truly professional insurance services, so they gradually change from professional brokers who should sell services to selling insurance products like insurance agents. Some deteriorated insurance brokers can't even sell insurance, so they simply become tools for invoicing and money laundering. Pathetic.
Fortunately, we still walk slowly with conscience, adhere to the essence of insurance, and keep the initial heart of insurance brokers.
As for the insurance industry in China, as I said earlier, the insurance breadth and depth in China are far from those in foreign countries, and it is definitely a sunrise industry. Insurance agents and such insurance salesmen will be severely punished sooner or later, and the phenomenon of not paying debts afterwards will be greatly reversed. I have the most confidence in the insurance brokerage industry. In foreign countries, this industry is definitely higher than lawyers, but it is often not recognized in China. I am helpless to confuse insurance brokers with insurance salesmen. To reiterate, insurance brokers don't sell insurance, they sell services, services and services (say it three times). I am full of confidence in this industry, because behind us are countless policyholders struggling in the insurance quagmire, and our existence is not known by 99% people.
I firmly believe that through national governance and strengthening supervision, the insurance industry will be further self-disciplined and developed, and insurance brokers will be known and familiar to more people. China's insurance industry will certainly be better.
booming
Huge development space
At present, it belongs to the stage from primary to intermediate.
The agent system has played a great role in the initial stage of the insurance industry. Will you adapt in the future?
The low threshold of practice leads to the confusion of industry reputation.
There are very few insurance companies that really have a century-old enterprise mentality, and they are all financing tools.
The answer is as follows.
After more than 20 years' development, China insurance market has played an increasingly important role as a social regulator, which must be affirmed. At the same time, however, with the passage of time, many problems in the insurance market have become more and more obvious, such as misleading customers and difficult claims settlement. If we look at it critically, we will find that the problem of misleading customers to claim compensation has been going on for more than 20 years. Why have these problems become unsolved problems in the development of insurance industry after more than 20 years of development? The reason for this is the following：
First, in the process of market-oriented development, insurance companies implement a business line that only pays attention to premiums, not customer service. Under the business line of premium first, insurance companies run through the marketing line of premium first from recruiting marketing personnel to training marketing personnel. Under this marketing route, irregular exhibition behavior will inevitably become a chronic disease.
Second, insurance companies lack an effective social supervision mechanism. At present, the insurance industry association is purely a social organization and cannot effectively supervise the operation of insurance companies. China Banking and Insurance Regulatory Commission has the function of supervising and managing insurance companies, but in the process of performing its functions, it does not involve the specific business behavior of insurance companies. It only intervenes or punishes insurance companies when their business behavior has become a problem with great social repercussions and has caused adverse social impacts.
It can be seen that all kinds of problems in the current insurance market are essentially caused by the disconnection between management mechanism, operation mechanism and marketing mechanism. It is difficult to solve the problems in the insurance market without starting from the mechanism reform.
An industry that intentionally or unintentionally creates "liars".
Yesterday, I received a phone call to promote insurance, emphasizing that hospitalization and outpatient expenses can be reimbursed, and hospitalization subsidies are available.
Let me ask first, is this medical insurance or accident insurance? A: It's accident medical insurance.
Let me ask again, are the reasons for hospitalization and outpatient service limited to accidents or diseases? Answer: Only accidents.
Let me follow up, that is to say, this insurance is accident insurance with accidental medical liability, right? Answer: Yes.
Continue to ask, what is the basic protection for accidental death and accidental disability of this product? Answer: 600,000.
Again, is this product guaranteed for one year or returned for many years? A: The former, but once a quarter.
By the way, if I choose to pay annually, what is the annual premium? Answer: more than 3,000 yuan
So I said, then your product is not competitive. If you and your colleagues need it, I can give you a plan:
Annual payment 1 0.5 million, basic insurance amount110,000.
Accidental medical treatment is not limited to the social security catalogue, and the secondary limit is 50,000.
Hospitalization allowance 600 yuan/day (limited to 100 days) and intensive care unit allowance 1200 yuan/day (limited to 30 days).
The security area is a global war zone.
If I think the premium is too expensive, I can also reduce the premium by adjusting the liability under the condition that the basic insurance amount remains unchanged.
The other party went on to say that it was not his first day of insurance, and he knew all this. I'm sorry to disturb me.
I suddenly felt sorry for him for a second. If I know that there are much better products on the market than myself, how can I get up the courage and insist on making so many phone calls every day to promote my "junk money"? Can you sleep well in bed at night?
There is no good company, everything is for profit, no law, no faith, and two words are used, one is cheating and the other is coaxing. I know that there used to be a village here, and a township coal mine leader used collective money to report to individuals, and the insurance company also handled it. What principles do they have, and the state indulges them greatly, so they dare to do these immoral things.
1. I bought domestic life insurance twice and both chose to surrender midway. Once because of poor insurance, once because of life. The result was heavy losses. I remember a product that has been invested for 20 years, and lost a lot of money after 10.
2. There is still a lot of room for the quality of service personnel and product design in the domestic insurance industry. The biggest problem with the quality of personnel is always following, pestering and annoying ... To put it bluntly, it is an ordinary salesman, not an investment consultant or a financial consultant. This is really different, so I won't elaborate on it one by one.
3. It's strange that there is a Hong Kong friend in my WeChat circle of friends who is engaged in insurance business. I haven't talked to him about insurance, and he hasn't taken the initiative. I keep more communication with him. Besides fitness and sports, he has many hobbies. He knows life very well and will graft his work style and life well. I think if I continue to choose insurance, I will choose him. He is also a good insurer image that I almost entered the insurance industry.