Какие стартапы интересны «Сентрас Иншуранс»

Мировой рынок страховых услуг становиться все более технологичным. Объем инвестиций в стартапы для страхования в мире растет с каждым годом. В результате, в арсенале страховых компаний появляются инструменты, которые могут упростить деятельность. Как сделать востребованный insurtech стартап, рассказывает Руслан Погорелов, председателя правления «Сентрас Иншуранс».

Страховые организации Казахстана, по состоянию на 1 сентября 2015, собрали страховых премий на общую сумму 200,4 млрд тенге, что на 6,6% больше аналогичного периода 2014. В том числе объем страховых премий по обязательному страхованию составил 49,8 млрд тенге (увеличение на 7%, по сравнению с аналогичной датой прошлого года), по добровольному личному страхованию – 54,7 млрд тенге (прирост на 1,9%), по добровольному имущественному страхованию – 95,7 млрд тенге (прирост на 9,3%).

Сегодня рынок страховых услуг Казахстана – один из самых динамично развивающихся на торгово-экономическом пространстве Таможенного Союза. Общий объем рынка в Казахстане около $1 млрд в год.

Компания «Сентрас Иншуранс» - один из самых опытных игроков национального рынка коммерческого страхования. У компании достаточно большая инфраструктура, в которой задействованы более 400 человек. Также у компании есть множество филиалов по всей стране. Активы нашей группы составляют $70-80 млн. Если нашему вниманию будет предоставлена перспективная идея, за которую можно заплатить солидную сумму, то мы готовы инвестировать.

Мы подготовили список проблем, которые бы хотели решить. Естественно, ограничиваться нашим списком не нужно.

Бот в «Telegram»

Суть: «Telegram» - это бесплатный мессенджер, как для смартфонов с системой iOS и Android, так и для планшета или компьютера. Идея состоит в том, чтобы разработать бота именно в данном приложении, потому что это единственный из общедоступных популярных мессенджеров, который имеет открытый API. Существует возможность разработать услугу, при которой любой желающий сможет получить необходимую информацию за считанные секунды.

Пример:

- рассчитать стоимость страховки

- узнать класс бонус- малус

- получить информацию по действующим акциям компании

- получить информацию о продуктах компании

- рассылка новостей компании

Реферальная бонусная система

Пример: На каждом договоре/полисе (включая обязательные виды) печатать реферальный код страхователя. При страховании любого страхователя (кроме самого страхователя) при предъявлении реферального кода страхователю будут начисляться бонусные единицы, которые могут быть использованы на приобретение добровольных видов страхования. Страхователя необходимо уведомлять посредством СМС о начислении бонуса.

ПДД-online

Суть: На сайте Компании размещаем игру «ПДД-online».

Пример: Запускаем Акцию – «Знания ПДД, не только полезно, но и выгодно!»

Если Клиент отвечает правильно на все вопросы – получает скидку на полис КАСКО\ГПО ВТС.

Обязательное условие – пройти за определенное время тестирование по ПДД, а также заказать полис на сайте и\или оплатить его. Можно добавить иные условия, допустим только для новых клиентов.

Телематика - страхование автомобилей с использованием телематических систем

Суть: Для страховых компаний телематика - это способ селекции клиентов. Внедряя программы страховой телематики, компания априори получает более надежного для себя клиента, системно исключая риски профессионального мошенничества в автостраховании. Иными словами, расчет прост -установленный в автомобиле передатчик будет стимулировать водителей ездить аккуратно, что снизит количество ДТП. Меньше ДТП —меньше страховых выплат. К тому же получение информации напрямую с передатчика помогает более точно и логично устанавливать цену полиса для каждого клиента. Спокойным и везучим —дешевле, лихачам —дороже.

Пример: ИТ решение, которое фиксирует и анализирует частоту и резкость ускорений и торможений, дневной пробег, маршруты, скорость и т.д., чтобы на основании полученных данных страховая компания принимала решение о предоставлении скидки.

Решение для аваркомов/оценщиков по выездам на предстраховой осмотр и ДТП

Суть: ИТ решение, позволяющие при выезде специалистов страховой компании на предстраховой осмотр транспортного средства/ДТП на месте фотографировать, фиксировать результаты выезда, делать отметки об исполнении задачи

Агрегатор личных данных

Суть: ИТ решение, позволяющее по заданному клиенту (как вариант из базы данных страховой компании) получать из открытых источников (сайты, базы данных, соцсети и т.д.) структурированную информацию по ряду критериев, позволяющих выявить его платёжеспособности, связи, контакты, предпочтения в покупках и т.д.

Система мониторинга СМИ

Суть: ИТ-решение (система), позволяющее находить упоминания о компании, продукте, услуге, персоне или событии (по ключевым словам: страхование, Коммеск-Өмір и т.д.) в открытых источниках (сайты газет, журналов, соцсетей и т.д.) и представлять её в форме структурированной информации.

Агрегатор рыночной стоимости ТС

Суть: ИТ решение, позволяющее проанализировать интернет-источники и определить рыночную стоимость транспортного средства по задаваемым критериям ТС

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