For a period of time, we have seen many companies and research institutions in the industry, all of which regard insurance as the ultimate direction of mobile medical care . At the same time, they have written many articles or opinions, such as participation in health management, insurance services, insurance splits, profits. Share and more.
However, in a large number of statements, we have seen that many opinions are superficial and cannot withstand scrutiny. There are also many reasons why entrepreneurs keep talking outside because they want to attract attention and conduct business cooperation with insurance companies. Only. But since I have never done this or just superficial cooperation, such as acting as an agent to promote, many business models are just their wishful thinking.
Let me tell you about the misunderstandings about mobile medical and insurance cooperation in the industry, for everyone to shoot bricks!
Misunderstanding 1: From the incomprehension or misunderstanding of insurance products
First of all, insurance has both basic protection products and derivative value-added products, including financial assets that can be invested in financial management. There are several important principles in basic insurance products. The first one is the principle of “large numbers.†Usually, the base of insurance should be relatively broad, and the number of underwriting should be relatively large. A reasonable premium ratio should be established in the middle to make the loss. The insured receives the payment after satisfying the conditions.
This leads to the loss ratio principle and social responsibility of insurance products. I have seen that some entrepreneurs say that mobile medical insurance can improve the income of insurance products after combining with insurance, and then divide profits with insurance companies. This expression may be problematic. of. Since insurance is a national monopoly license, in fact it implies a monopolistic arbitrage space, so insurance must bear certain social responsibilities, one of which is the principle of loss ratio.
For example, a better insurance product, in addition to selling a large share, the loss rate will generally be around 80%, leaving a percentage of the operating costs, the remaining reasonable insurance company profits. As for the loss ratio is too high, more than 90%, or even 110%, 120%. Business is not sustainable in the long run. But if you go to the other extreme, the loss ratio is too low, only 340% or even lower, then this is not an insurance product at all, just a arbitrage product, it does not meet the insurance principle.
Insurance products must be compensated, compensated quickly, compensate well, and pay full. This is the basic requirement of the whole society for insurance companies, and definitely not for the purpose of maximizing profits, playing smart, especially in basic insurance. This is not the case in the field.
Because there is no selling, the insurance company has a lot of ways to design a variety of exemption clauses, and a group of super-professional actuaries can be easily obtained by reducing some probabilities or locking the cross-conditions. Part of the proceeds. However, if the principle of effective claims ratio cannot be achieved, this is actually a product that competes with the people. Even if it can be obtained through ultra-high marketing means, it is not a qualified insurance product, and it is difficult for insurance companies to From the perspective of the regulation, the fee for this “floating profit share†is paid to the corresponding mobile medical company.
Myth 2: Because insurance companies have strong needs and motivation, so spring has arrived?
Although I said before that the so-called mobile medical technology simply "floating profit sharing" from the technical layer products is wrong, it does not mean that it cannot be divided. Because there are only two of the most important business models for all insurance companies:
The first is how to get the cheapest and longest money, and delay the payment of the security. Then the money will be dismantled in the same industry, trust, equity, financial derivatives or industrial investment, etc., becoming one of the engines of the entire financial market. Listing companies are just the tip of the iceberg, mainly to obtain leveraged spreads.
Second, insurance is not only an important reservoir for macroeconomics, but also a GPO organization or a group purchasing power implementation. By purchasing discounts from the group, all insured households can save money, and the service providers can effectively increase revenues and reduce expenditures through intensive services, while reducing the cost of the whole society, and insurance can also obtain certain benefits from them. The insured's long-term funds are locked through the viscousness of the service, and the benign interaction with the aforementioned business model.
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