招商信诺“e诺千金”运营服务体系重磅发布 以数智化运营赋能大健康战略

Core Insights - The insurance industry is experiencing structural opportunities due to the implementation of the "Healthy China" strategy, accelerated aging population, and increased demand for chronic disease management, while facing challenges such as product homogeneity and low-interest rate environments [1] Group 1: Strategic Transformation - The company is advancing a differentiated strategic transformation centered on "big health" and actively exploring a second growth curve [1] - The "e诺千金" digital operation service system is developed to provide proactive, precise, and efficient service experiences throughout the health lifecycle, transitioning from "risk compensation" to "health empowerment" [1][10] Group 2: Underwriting Support System - The "诺e保" platform integrates AI technology to enhance underwriting support, providing an industry-leading insurance application experience [2] - Key upgrades include the "i小诺" operational consulting robot, which offers 24/7 intelligent consulting services based on a comprehensive medical underwriting guide [2] - The platform enables pre-underwriting consultations and real-time underwriting conclusions through an online application system and dynamic health questionnaire [3] Group 3: Customer Service System - The "诺e赔" and "诺e办" platforms represent a shift from traditional passive service to proactive, intelligent, and comprehensive health management services [5] - The system enhances service speed, convenience, and human warmth, supporting the "健康找信诺" service brand [5] - Key features include direct payment for claims, AI-driven rapid claims processing, and a global medical network covering over 1,300 domestic institutions and more than 2 million overseas partners [5] Group 4: Risk Management System - The "诺e盾" platform integrates big data for intelligent risk control, moving beyond traditional manual rules and offline investigations [6] - It implements a comprehensive risk control mechanism covering the entire medical process, from pre-diagnosis to post-diagnosis [7] - The platform utilizes AI and big data models for dynamic risk screening and precise identification of abnormal medical behaviors [9] Group 5: Competitive Advantage - The company aims to create an excellent health service experience through the efficient collaboration of the three core systems: "诺e保," "诺e赔&诺e办," and "诺e盾" [10] - This approach establishes a foundation for professional services in health insurance while ensuring sustainable profitability and brand value [10] - The company plans to continue iterating the "e诺千金" system, focusing on customer needs and providing innovative examples for the integration of "insurance + health management" [10]