China News Service, July 8th, what do you think a good life looks like?
A thousand people may have a thousand answers in their hearts.
But for Lao Zhang, the owner of the restaurant, the safety of his family and employees and the better and better business are the greatest happiness at the moment.
However, a few months ago, Lao Zhang, whose business was just on the right track, encountered a trouble.
How to save worry?
"Rent, decoration, recruiting, a total of more than 100,000 yuan, it can be said that I have saved all my savings for a few years." In 2021, Lao Zhang, a new urban citizen, opened a hometown in an urban village in a first-tier city. restaurant.
Although the initial investment is not small, the business has been booming since it opened for more than a month, and it seems that it will be able to make a return in less than half a year.
But the accident happened.
In November 2021, Xiao Li, a kitchen assistant, was accidentally scalded at work, and the medical expenses and hospitalization expenses made Lao Zhang guilty.
The restaurant has just opened for less than two months, and the money owed has not been repaid, and there is not much liquidity available. This compensation will undoubtedly make the small store's capital flow even more nervous.
Fortunately, the claims adjuster of Ping An Property & Casualty Insurance took the initiative to contact Lao Zhang after learning about the situation, and told him that the "Dianjiabao" that he had insured before covered this aspect of protection.
"Dianjiabao" is an insurance product launched by Ping An Property & Casualty for individual industrial and commercial households. It can make claims for the insured's in-store property losses caused by fires, explosions, natural disasters, etc., as well as for the insured's employees and family members. Provide personal accident protection.
"From the perspective of the content and characteristics of protection, 'Dianjiabao' can not only protect the families of individual industrial and commercial households, but also prevent the risks that may be encountered by the store, and relieve the worries of operation for individual industrial and commercial households." An insurance industry analyst said that for the The development of market players injects more confidence and confidence, not only with the help of "adding bricks and bricks", but also with the help of "helping in the snow".
The market is calling for more of these products.
In March 2022, the China Banking and Insurance Regulatory Commission and the People's Bank of China jointly issued the "Notice on Strengthening Financial Services for New Citizens" to encourage and guide banks to meet the financial needs of new citizens in key areas such as entrepreneurship, employment, housing, education, medical care, and elderly care. Insurance institutions should actively connect with existing support policies, strengthen product and service innovation in light of local conditions and adapt to local conditions, expand financial supply with high quality, and improve the equality and convenience of financial services.
Developing financial products and services suitable for the characteristics of new citizens and helping them better integrate into the city has become a new topic.
In terms of supporting the entrepreneurship and employment of new citizens, the relevant person in charge of Ping An Property & Casualty said that the "heart-hearted" service it provides for small and micro enterprises is not only reflected in "after-the-fact damage reduction", but also "pre-loss prevention".
Taking the epidemic period as an example, Ping An Property & Casualty opened a risk control cloud platform for all enterprises free of charge, providing multi-scenario accident prevention services, effectively helping small and micro enterprises to improve their awareness of risk prevention and building a safety barrier for their sustainable development.
Make the employment and life of new citizens more worry-free.
How to save time?
For more new citizens who are in the early stage of entrepreneurship and development, every money is "urgent money" and "urgent money". If there is an accident, the timeliness of claim settlement is also one of the most concerned issues for small and micro business owners.
Lao Zhang's Ping An Property & Casualty Insurance claims adjuster told him that he only needs to self-service and submit materials through the Ping An Enterprise Treasure APP. The manager claims officer confirms that Xiao Li's injury belongs to the group accident liability in the store treasure, and the insured suffers accidental injuries. The resulting medical expenses can be reimbursed.
The day after Lao Zhang used the Ping An Enterprise treasure APP to report the case, Lao Zhang received the compensation.
It is understood that Ping An Property & Casualty has launched a claim settlement upgrade service for small and micro business owners, including three aspects of "fast, easy, and free", which can comprehensively help small and micro enterprises to settle claims quickly and conveniently; for cases below 10,000 yuan, in the enterprise After submitting the materials on the Bao APP, the account will be credited within one day at the earliest, and the progress of the claim settlement will be checked in real time.
It is worth mentioning that, if an accident occurs during the operation of the insured store, resulting in personal injury or property loss to a third party, "Dianjiabao" will also provide compensation.
Thanks to its strong comprehensive business capabilities, Ping An can achieve full coverage of financial services, providing customers with more than 200 kinds of financial services such as "one-stop inquiry, one-stop service, one-stop purchase, and one-stop management", with only one account , you can fully grasp it.
In addition to Lao Zhang, who chose to open a store and start a business, there is such a large group of new citizens that cannot be ignored, that is, people who are "running on the road" such as courier riders and online car-hailing drivers.
The Beijing Bureau of Banking and Insurance Regulatory Commission proposed to develop accident insurance and other products for new citizens with strong mobility and flexible employment, such as express riders and online car-hailing drivers, and focus on measures such as ensuring the payment of wages for migrant workers.
Ping An has also explored many insurance products for such people.
According to the relevant person in charge of the Beijing branch of Ping An Property & Casualty Insurance, taking truck drivers in the logistics industry as an example, in view of their characteristics of high mobility and high occupational risks, an exclusive employer liability insurance product has been launched-Worry-free for car owners, with flexible plans, The scene is broad and the guarantee is comprehensive.
"In view of the obstacles such as high turnover of personnel, difficulty in counting names, and irregular working hours for new citizens in the process of applying for insurance, we can further try to combine insurance with the work scenarios of new citizens, and use technological means to realize the insured after work check-in. operation, improve the convenience and accuracy of insurance." The above-mentioned person in charge introduced.
How to save money?
There is such a voice in the current insurance industry that insurance products need to shift from insurance logic to service logic, and build an ecosystem based on resource integration. Only then can the insurance industry be upgraded from a single product provider to the protagonist and payer of the ecosystem.
But for the common people, the financial industry is the closest to money, but a little farther from life.
The variety of financial services with numerous terms will inevitably make people feel unfamiliar or even mysterious. The most feared thing when buying insurance products is that they are expensive and wrong, which will ultimately lead to users paying more and more money.
How to make consumers who are rarely exposed to the financial industry to buy well and worthwhile? Ping An believes that it is necessary to match personalized products for different family types, and to open up through different product portfolios and rights, so that customers can spend less interest and take less time to waste. .
For example, for most low-level employees, credit cards are one of the most familiar financial tools. The most important thing in choosing a credit card platform is undoubtedly saving money and various additional benefits and life benefits.
Taking individual industrial and commercial households as an example, Ping An Credit Card provides exclusive financial services of "Life Pass + Business Pass", and "Life Pass" credit card can provide exclusive installment discounts to solve the problem of capital turnover; "Business Pass" debit card and loan services can alleviate the problem. The operating capital turnover needs of individual industrial and commercial households, as well as providing financial software services, legal consulting services and other common services for enterprises, dual-card integrated operation, and a package of comprehensive financial service guarantees.
Based on providing customers with a full range of financial products and services such as insurance, banking and investment, Ping An Bank’s 2022 first quarter performance report shows that as of the end of the first quarter of 2022, Ping An Bank had 120,097,500 retail customers, an increase of 1.6% over the end of the previous year. %.
Indeed, the financial product service guidelines of "saving worry, time, and money" have become a true reflection of the current consumers' own concepts, needs, and rhythms of all ages.
Are you a new citizen?
What is the demand for financial products?
(Zhongxin Finance)