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万向区块链助力民生保险,用区块链推动保险行业创新发展!
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Topic: 万向区块链助力民生保险,用区块链推动保险行业创新发展! (Read 86 times)
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万向区块链助力民生保险,用区块链推动保险行业创新发展!
January 12, 2018, 02:49:14 PM
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保险,起源于大航海时代的“互助”模式,船主们各自出钱成立“基金”,以分担船舶运输过程中的种种风险。而随着近代保险业的规模化发展,特别是互联网保险的兴起,保险行业面临着用户隐私泄露,数据保护难;中心化服务机制,理赔过程长;数据造假成本低,骗保欺诈合同纠纷等种种痛点。如今,在这个全新的数字化“大航海”时代,是否有一种技术可以使保险业重回“点对点”,重归信任互助的本质?
答案便是区块链!区块链技术的本质是一个分布式账本技术,通过分布式数据存储、共识算法、加密算法、点对点传输网络等一系列高新技术组合,保证了数据的不可篡改,永久保存。区块链技术的特性实现了业务的穿透性,能够在不同的合作伙伴间,建立起分布式的信任机制,从而实现在商业模式、治理环境、业务流程、组织结构等角度诞生一系列的颠覆和创新。近来,区块链技术作为颠覆性的创新技术取得了快速发展,并实现了诸多富有开创意义的商业理念与实践。万向区块链作为行业先行者,也在积极地探索区块链与传统行业相结合的契机,通过缔造创新性的商业模式,促进区块链业务的真正落地。基于此,万向区块链与民生保险成立联合创新团队,结合技术趋势与行业痛点,探索传统保险业务与区块链技术相结合所带来的“化学效应”。11月7日开始线上销售的民生税优健康险A款,正是在此环境下推出的一款创新型产品。万向区块链和民生保险的创新合作分为两个阶段,第一阶段是单纯从技术角度出发的POC项目;第二阶段的项目不再单纯从技术角度出发,而是回归并结合业务场景,探索在互联网加健康险的模式中区块链技术要如何去运用,考虑商业形式及组织形式的一系列变化。据介绍,早些时候,万向区块链旗下的商业创新咨询团队就与民生保险展开了“如何利用区块链技术进行自动理赔”的POC项目。项目组通过对6支民生保险在售产品所覆盖的保险责任进行梳理分析,总结关键依赖,验证了区块链和智能合约如何应用至保险理赔理算业务流程中。尤其在数字存证(单证影像)及医疗数据的存储及使用上,能充分发挥区块链的特性及优势,优化理赔流程。在项目研究过程中,团队切实感受到:很多内涵价值高的保险在线上很难销售,且互联网保险销售大部分利润被渠道划分,流量难、成本高成了互联网保险亟待解决的一大问题;此外,传统的理赔数据是从客户主动提交的医疗事故材料中获取的,这一过程容易造成数据被篡改,客户隐私得不到有效保障,理赔速度慢等问题;同时,市场上保险产品同质化严重。要在市场中形成竞争优势,就得解决上述痛点,利用技术和科技去寻找创新的点。在此基础上,万向区块链商业创新咨询联合民生保险健康险事业部,以及万向新链加速营一期团队魔橙网络和边界智能、万云等团队共同组成了联合创新团队。这其中,万向区块链商业创新咨询采用创新的方法,在企业的区块链商业应用过程中,提供商业模式、治理环境、业务流程、组织结构和区块链技术架构设计。帮助客户进行业务重构,快速落地,通过紧随市场的迭代,最终实现商业的成功。万向新链加速器则是国内首个服务区块链方向初创团队的加速器,旨在为优质区块链创新创业团队提供从业务场景、用户、产品设计、区块链技术和资金等的全方位一站式创业扶植与指导。魔橙网络和边界智能均为加速营的一期团队。回归并结合业务场景,联合创新团队尝试通过区块链技术手段帮助民生保险,将有价值的流量与渠道相结合,并兼顾保证商业模式的持续运行。目前,万向区块链与民生保险的应用探索仍在继续,区块链不可篡改、分布式等独有的技术特点,能够有效针对并切实改变保险行业的痛点。未来,区块链将在保险业数据保护、自动理赔、反骗保和欺诈、降低渠道销售成本生进行一步的深入研究和实践。
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