服务超3亿客户、赔付超305亿元 泰康在线以十年书写财险专业化经营

Core Viewpoint - The article highlights the ten-year journey of Taikang Online, emphasizing its transformation from a broad expansion model to a specialized internet property insurance provider, focusing on innovation and high-quality development in the insurance industry [1][3]. Group 1: Company Development - Taikang Online has adhered to a professional operating strategy in property insurance, evolving from its inception in 2015 to a focus on value and efficiency by 2019, and entering a profitable era by 2021, now serving over 300 million customers with more than 30.5 billion yuan in claims [3]. - The company leverages three unique advantages: strong backing from Taikang Insurance Group, continuous innovation for market insights, and a robust internet foundation for efficient user engagement [3]. Group 2: Health Insurance Innovations - In 2023, Taikang Online introduced a new concept of "insuring people’s health" rather than just "insuring healthy people," aiming to cover all demographics and health management processes [5]. - The company has developed a specialized product matrix catering to various health statuses, including the "Good Effect Insurance" series for individuals with pre-existing conditions, covering multiple cancer types and providing significant financial support for treatments [6][7]. Group 3: Auto Insurance Experience - Taikang Online has redefined auto insurance by ensuring claims are processed within 24 hours, exemplified by a case during a severe flood where a customer received over 100,000 yuan in claims promptly [8]. - The company has built a comprehensive service network and offers various value-added services beyond traditional compensation, enhancing customer experience [9]. Group 4: Digital Life Protection - The company has integrated insurance into various digital life scenarios, providing coverage for gig economy workers and small businesses, thus addressing new social needs and enhancing security for these groups [10][11]. - Taikang Online's "Zhenpin Youyue" art insurance product fills a gap in the market by offering comprehensive risk management for high-value art collections, demonstrating its expertise in specialized insurance [12]. Group 5: Future Outlook - Looking ahead, Taikang Online aims to continue its commitment to making insurance more secure, convenient, and affordable, with a focus on becoming a more user-centric innovative internet insurance company [13].