The first degree of settlement for college students to sell "hanging family insurance": 10 yuan
"Shanghai University of Finance and Economics sophomore" business management Ling "hang family insurance", has a phased result. Recently, at the summing up meeting of the first time "Kuang Shi" class of the Finance University, Guan Ling Zi announced the first settlement result of "Hang Hang insurance": a loss of 10 yuan. Guan Ling said the result was better than expected, and the follow-up will also optimize the product, and even push the plan of "losing bicycle insurance".
2 days to sell 100 copies of only 3 people hanging family
at the end of June this year, the pipeline and her team launched the campus innovative financial products - "hang family insurance", as long as the students insure 5 yuan, if the exam is not passed, you can get 30 yuan compensation, high scores of students, and can also get 20 yuan to encourage costs. In 2 days, "hang family insurance" sold 100 copies. 3 weeks ago, Guan Ling Zi took the project of "hang up science insurance" and took part in the first time "Kuang Shi" class of Shanghai Finance University College of entrepreneurship.
"within a few days after the product was sold, students' examination subjects were successively scored, and the" claims "work began. Guan Lingzi said: "it was also worried about will loss badly, did not expect the results better than expected, only a loss of 10 yuan."
according to Guan Ling Zi, "hang insurance" is only a beginning now. Next semester, the team will also optimize the products according to the data this year, such as setting different premiums according to the examination subjects. At present, with the help of the entrepreneurship school teachers, the team has submitted a "data demand application" to the school education service, hoping to get the distribution of the school's academic achievements and the history of different courses. "With these more detailed data, I believe we will make products better."
"some people think we're going to lose it badly; there are some people who question our product's moral hazard, such as a lot of students who want to get a premium on it." Guan Lingzi felt very stressed for a long time, so she kept a low profile in the face of the following interviews and interviews.
the question of moral hazard, Guan said, in fact, before the design of the product, the "small partners" of themselves and the team have also made an assessment of the problem. "In our school, the refurbishment fee is 1 credits, 100 yuan, and at least 2 credits in one subject. I think no one will deliberately spend time to repair it for the compensation of 30 yuan, at the same time at least 200 yuan." Later, the claim data just proved this prediction. "Finally, only 3 students who hang up a branch insurance department are enrolled, and others who claim compensation are students with high scores."
existing insurance companies to meet
the executive vice president of Shanghai finance and Industry College, Deputy Dean Liu Zhiyang said, "hang family insurance" from the point of view of the research and development of the project is innovative. But if, as an insurance product, to carry out formally on a large scale, the best way to do it is to find a regular insurance company, "as far as I know, they are in contact with the insurance company."
said that, in the three week period of the first "Kuang Shi" class in school entrepreneurship college, he not only harvested the operation experience of a product, but also got the opportunity to communicate with people of different backgrounds and different specialties. "We found the teachers in the school of finance, information and law in our products, and they gave me many suggestions. The teachers of the information college suggest that I can make more conclusions based on the data and make better product optimization. Teachers at the Financial College suggested that I could introduce more insurance in other areas related to student life, such as bicycle theft.
for the teacher's advice, the tube is also very promising, "a lot of students in the campus ride bicycles, the corresponding theft probability is very large, if it can develop a bicycle theft risk, it should be very market."