dehua allianz life insurance: eleven years of success, a bright future ahead
2024-09-05
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in the golden month of september, dehua angu life insurance celebrated its 11th anniversary. over the past 11 years, dehua angu life insurance has always adhered to the business strategy of "keeping to the right path and creating something extraordinary", closely focusing on "german quality" and "state-owned credit" to build brand elements, insisting on developing long-term premium value business and protection business, continuing to build large individual insurance value channels, deeply promoting transformation strategies, constantly innovating products, services and sales models, actively building a "customer-centric" digital service new ecology, and striving to create differentiated customer service capabilities through intensive cross-industry alliances. the "digitalization + individual insurance" strategy has been developed in depth, and various operating indicators have maintained rapid and healthy growth.
in the first half of 2024, the company's insurance business income increased by 11% year-on-year, the standard of new large individual insurance policies increased by 10% year-on-year, the online sales and group insurance channels achieved profitability, and the transformation and development began to show results.
solidly promote channel transformation and improve business quality while maintaining stability
since its establishment, dehua angu life insurance has insisted on focusing on value management and deep cultivation of its own large individual insurance channels, and has built a coordinated development marketing system with multiple tactical channels such as online sales, group insurance, and intermediaries. it adheres to long-term stable operations, seeks development with high-quality value business, and takes the path of specialization, quality, digitalization, differentiation and sustainable development, and its brand influence continues to increase.
the personal insurance channel firmly transformed its value, continued to promote sufficient and high-quality growth, deepened the operation of the high-performance team, and strengthened customer management. in the first half of the year, the cumulative underwriting standard insurance was 165.45 million yuan; the average per capita capacity of the new team was 31,000 yuan, an increase of 58% year-on-year, and the cumulative contribution of the new team to standard insurance reached 27.21 million yuan, an increase of 72% year-on-year; the average monthly manpower of 10,000 yuan increased by 8% year-on-year; the average per capita capacity of agents was 28,000, which increased by 4% again on the basis of high growth in the same period last year.
the multi-channel value management has been effective, and the online sales channel has steadily promoted the development of long-term premium value business, ranking first among joint venture companies. as of july 2024, the internet business has achieved a new single standard premium of 277 million yuan, a year-on-year increase of 46.16%.
the exploration of the online-to-offline integrated channel model (o2o) has been continuously consolidated and has become a new driving force for value-added business. as of july 2024, the o2o business has achieved new single standard premiums of rmb 38.149 million, a year-on-year increase of 14.31%.
group insurance continues to focus on corporate business, and its influence in the shandong market continues to expand and form a good market reputation. in the first half of the year, 11 new corporate customers were added, and premiums reached 220 million yuan, an increase of 42.6% over the same period last year, achieving a leapfrog growth in premiums.
through the introduction of smart wearable devices and health management services, the intermediary channel has gradually formed product characteristics in the innovation of critical illness insurance, and has embarked on a development path of differentiated competition in the agency business. a total of more than 200 cooperative companies have signed contracts.
deepen digital transformation and practice cost reduction and efficiency improvement
over the past eleven years, dehua angu life insurance has firmly implemented the "personal insurance + digitalization" strategy, taking digitalization as one of the company's core strategies, and is committed to improving customer experience and the company's overall operational efficiency. through a series of innovative measures, it has comprehensively promoted digital transformation, implemented cost reduction and efficiency improvement, and achieved remarkable results.
dehua ergo life insurance is actively building a digital middle platform around the three major sectors of "technical middle platform", "business middle platform" and "data middle platform" to fully empower the company's digital transformation. the company makes full use of emerging technologies such as mobile internet, big data, cloud computing, 5g, and intelligent ai, and deeply applies them to operational scenarios, improving its intelligent management capabilities and promoting full-process digital business development.
in the process of digital transformation, dehua allianz life insurance has launched a series of innovative digital tools to enhance customer service capabilities and business efficiency. the company launched the "allianz love home" app, making a major breakthrough in the field of mobile health services and providing customers with a more convenient digital service experience. the allianz winner app continues to deepen customer operations, customer management and services, effectively empowering sales agents and deepening the sales closed loop of the customer's entire life cycle.
in addition, dehua angu life insurance has also deeply integrated digital innovation into its customer service system. for example, the angu e-home mini program and the company's official wechat service account used by customers can realize paperless processes such as customer renewal, payment, and claim notice online. in 2023 alone, more than 150,000 self-service claims and insurance were handled, and the self-service rate of business handling reached 95%, saving about 8 people each year; in the face of customer demands and questions, the direct answer rate of intelligent text robots has exceeded 80%, and it has outstanding advantages in access channels, response efficiency and other aspects; online customer service can receive multiple people by one person, which reduces labor costs compared to telephone customer service, saving at least 7 customer service personnel each year. at present, the company has launched 24 robots and rpa, which are applied to the company's operations, risk control and financial management systems to improve work efficiency while reducing risks, and achieve 7*24 hours of telephone manual seat service and full coverage of intelligent customer service. in addition, online air customer service has fully covered the business of preservation, cancellation, claim, value-added online data review and submission and online return visit business, without the need for customers to go to the counter to handle business anytime and anywhere, which is more comprehensive, fast, time-saving and labor-saving. in addition, offline quality inspection, agent assistance functions, remote reception rooms, same-screen assistants and other services all save manpower on the service side, improve service efficiency, and enhance user experience, effectively promoting the company's operations to reduce costs and increase efficiency through digital means.
deeply cultivate the "silver hair market" and protect a happy life
as one of the earliest insurance companies in china to pay attention to the silver market, dehua angu life insurance began to layout the elderly insurance market in 2015. in 2020, dehua angu life insurance officially proposed the "silver market" strategy.
in terms of product development in the silver-haired market, dehua angu life insurance has continuously launched innovative products that meet the needs of the elderly. in december 2014, the company launched the "dehua angu life insurance xiaoqinbao elderly malignant tumor disease insurance", a product that effectively meets the needs of the elderly for malignant tumor protection. subsequently, the company launched the "xiaoqinbao no. 2 middle-aged and elderly specific disease insurance", which is one of the few domestic insurance plans for the elderly that covers 10 serious diseases such as malignant tumors, alzheimer's disease, and parkinson's disease. in august 2024, dehua angu life insurance launched the "guardian" disability income loss insurance, an innovative product exclusively customized for joint channels, which further enriched the insurance options for relevant people.
dehua angu life insurance's attention to the elderly is not only reflected in product design, but also in every aspect of service. with the advantages of digitalization, the company uses artificial intelligence and big data technology, and through intelligent identification and intelligent review, it has launched "one-day compensation for serious illness" and "transparent claims", providing elderly customers with convenient, fast, accurate and transparent claims services.
as of june 2024, dehua angu life insurance's deep cultivation in the silver market has achieved remarkable results, providing insurance protection worth 51.2 billion yuan to 364,000 customers, and providing a total of 180 million yuan in insurance claims to 1,992 middle-aged and elderly customers suffering from malignant tumors.
select youlian to build a health care service system
against the backdrop of rapid growth in the insurance industry, dehua allianz life insurance has chosen the asset-light model of "cross-industry alliance" with innovative thinking and forward-looking vision, and has established partnerships with high-quality suppliers in the fields of health care, rehabilitation and elderly care to jointly build a health care service system.
the cross-industry alliance enables dehua angu life insurance to integrate high-quality service resources in the market and introduce these resources into its own marketing, insurance products and customer services. in this way, dehua angu life insurance not only transforms traditional low-frequency insurance services into high-frequency interactive services, but also creates more scenarios for direct interaction with consumers, greatly improving customers' cognition and perception of sales, products and services.
through years of efforts, dehua angu life insurance has reached cross-industry alliances with 57 leading companies in the fields of health care, rehabilitation and elderly care, forming a light-asset service system including special green channels, health care services, high-net-worth customer services, etc. with the help of cross-industry alliances, dehua angu life insurance has successfully built a service network covering the whole country, ensuring that the density and depth of services reach a high level.
actively fulfill social responsibilities, be a good corporate citizen, and practice green finance
in the practice of corporate social responsibility, dehua angu life insurance has actively participated in public welfare undertakings and given back to the society with a high sense of social responsibility. in recent years, dehua angu life insurance has actively practiced corporate social responsibility with practical actions in helping rural revitalization, supporting talent training in the insurance industry, and caring for vulnerable groups in society, and has been awarded the honorary title of "shandong social responsibility enterprise" for three consecutive years.
the company has donated accident insurance to more than 600 directors of rural health centers, with a total insured amount of more than 100 million yuan, helping to build a happy community for urban and rural residents; the company continues to deepen its strategic cooperation with shandong university of finance and economics, jointly build an insurance industry college, establish internship and training bases, etc., deepen talent cultivation, and was selected as the "2023 shandong province general higher education demonstration internship (training) base"; the company has carried out in-depth projects to care for the autism group, and precisely assisted the "jinan xingshen special children's care center", donated love materials and provided volunteer services many times, and jointly donated money with german shareholders many times; the company continues to carry out the "serving the elderly group" practical activities, and donated 50,000 yuan worth of commonly used medical equipment for the elderly to the elderly group in shanting district, zaozhuang.
in addition, dehua angu life insurance fully implements the new development concept and adheres to the path of green development. for example, in 2023, it will provide relevant risk protection for green industry personnel totaling 130 million yuan; the company has established green and low-carbon service scenarios and implemented green, low-carbon and convenient customer services with the help of digital platforms. from 2024 to the end of july, the company's electronic insurance rate reached 99.9%, the use rate of electronic receipts reached 99.26%, the use rate of online preservation reached 98.37%, the use rate of online claims was 96.22%, and the use rate of electronic return visits was 95.30%.
eleven years of hard work and perseverance. dehua all-china life insurance has always kept in mind the insurance mission of "staying true to our original aspiration and protecting the good", providing the public and consumers with better-quality, more convenient and warmer insurance products and services, and fully promoting the high-quality economic and social development of shandong province, so that insurance can more fully play its core role as an "economic booster" and "social stabilizer".
