Seventeen of the just-concluded Third Plenary Session adopted the "CPC Central Committee on rural reform, development and a number of significant decisions" to make efforts to solve the most immediate concern for most farmers the most realistic interests.
For farmers in poverty-stricken areas, one of the most directly concerned with the most realistic, is how to get rid of poverty relief. State Council Development Research Center, a research shows that disease and accident injuries has become the development of rural economy and farmers to become prosperous one of the major constraints.
"China's rural areas so that every family has at least an accident insurance policy", is emerging as the insurance industry a long-term goal. The development of rural micro-insurance, to achieve this goal has become a turning point.
Wu Dingfu, Chairman of the China Insurance Regulatory Commission has pointed out that the development of micro-insurance will help improve rural finance and rural social security system, encourage companies to the region and the pilot.
Small insurance Insurance Regulatory Commission is pushing this year's main event. China Life Insurance (601,628, it shares), Pacific (601,099, it shares) insurance, Taikang Life and Xinhua Life Insurance, one after another in the near future to start pilot projects to begin in the small rural insurance market secretly wrestling.
Cost: lower
China Life Insurance County Department of Management Office of the High Point manager, said Hong Wan-li, in addition to product simplicity, low cost, low-cost mode of operation can achieve, as well as convenient services, life insurance has become a small pilot of the keys to success.
"Low" micro-insurance is the most prominent features: low-income people, low-premium, low-cost. Chen, Assistant President of the China Insurance Regulatory Commission earlier in the trial launch of China Life Insurance pointed out, after a number of rural insurance products has not made a small insurance business model is that the cost is too high, can not penetrate into the low-income market. "Micro-insurance pilot must focus on innovation, close to the search for low-income farmers, low-cost business model."
China Life Insurance actuary of the total in Shaohui said from the actuarial point of view, micro-insurance premiums low, low-cost carriers need to achieve, "the traditional model is impossible to achieve."
In rural areas, geographical spread and complexity of insurance salesmen exhibition industry costs more than the city. China Life president Wan Feng has said that insurance companies can pay the premium collection, exhibition and the excuse is a collective operation, etc., for low-cost sales.
It is understood that the Chinese village life to service as a sales force to take "to the village of security integration," the main, secondary sales of the model portfolio. China Life Insurance, general manager of King County with North Korea said the Shanxi branch of the attempt to present the "family of small single-mission mode" to promote micro-insurance and opened the breakthrough. Taikang Life Insurance president and assistant general manager of risk management, said Fu Jie, Taikang Life Insurance plans to house a higher rate of the region to promote "on behalf of the village" model.
China Insurance Regulatory Commission issued the "issued on the small rural life insurance pilot program to inform," pointed out that insurance companies could be entrusted to the Women's Federation, the village committee, and other grass-roots organizations in rural areas, as well as a new type of rural cooperative medical care managers or agency, such as sales of small Insurance. Grass-roots organizations in rural areas was given a sales agent of the "heavy responsibility" to make up a small network of insurance and lack of manpower shortage in the exhibition industry, to a certain extent, reduce the cost of the exhibition industry.
Services: faster
Due to extensive rural areas, mountainous areas inaccessible to the rural areas can provide customers with fast and convenient services and higher insurance claims efficiency, micro-insurance is to achieve wide coverage of the key factors. It is understood that Pacific Life in the industry to launch the first "real security" GPRS mobile a single system, enabling real-time in rural areas covered by insurance, a single move to rural areas to remote far, not a single issue.
Hong Wan Li suggested that in the report and then expand the application of the main settlement of claims, claims decentralized authority, and optimize the claims process, and so on, the standard management of rural service network, the company must be granted within the scope of authority claims to improve the efficiency of the claims. Fu Jie said, Taikang Life will be dedicated to the establishment of "micro-insurance claims green channel" in order to achieve rapid settlement of claims.
Award: higher
"Commission is too low, too high a cost of sales" is a lot of grass-roots insurance salesman's voice. An industry source said, a pilot from the current situation, the micro-insurance sales incentives behind the program, the commission is too low, the impact on sales of the exhibition industry enthusiasm.
It is understood that the micro-insurance in the pilot, China Life Yuncheng in Shanxi branch has developed a series of incentives, one of which is a sales clerk in rural micro-insurance uniform implementation of the standard fee of 20%. The number of people covered in more than 100 premium and up to 10,000 yuan more than a single corporation, the paid-up premiums by another 5% of sales incentives.
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