數位碎片化保單平台

Abstract

透過對國內保險公司所提供的相關產品進行觀察，我們發現國內旅遊保險商品存在一系列問題，這些問題嚴重地限制了旅客的保障體驗。這些問題涵蓋了險種限制、申請理賠困難、購買流程複雜、高昂的保費、低購買率以及激烈的競爭環境。而我們的研究旨在深入分析這些問題，同時提出更為優越的解決方案，並且關注相關的市場機會。 為了解決國內旅遊保險市場所面臨的困境，我們提出了一個具有創新性的數位碎片化保單平台方案，旨在提升消費者體驗並增強保險公司的競爭力。通過對國內旅遊保險市場的目標客群和市場規模進行分析，我們對市場問題提出了針對性的解決方案，包括平台特點、優勢和推動理由，同時參考了國外成功案例以證明其可行性。此外，我們還提出了合作與合併、保障項目擴充以及與其他保險類別的結合等改善方案，同時對未來發展進行了展望。 總之，我們的研究旨在解決國內旅遊保險市場所存在的問題，同時為保險業開創更多的發展機會。透過數位碎片化保單平台方案以及其他相應的改善方案，我們期望提升消費者的保障體驗，同時增強保險公司的競爭力。這些措施有望在實踐中產生積極的影響，並推動更多創新和進步。

Through observing the relevant products offered by domestic insurance companies, we have identified a series of issues with domestic travel insurance products that significantly constrain travelers' protection experience. These issues encompass restricted coverage types, difficulties in claims application, complex purchasing processes, high premiums, low purchase rates, and intense competitive environments. In light of these circumstances, our study aims to thoroughly analyze these problems, propose more superior solutions, and explore relevant market opportunities. To address the challenges faced by the domestic travel insurance market, we propose an innovative solution: a digital fragmented policy platform. This solution aims to enhance consumer experiences and bolster the competitive edge of insurance companies. By analyzing the target audience and market size of the domestic travel insurance market, our research offers targeted solutions to market problems. This includes platform features, advantages, rationale, and references to successful overseas cases to validate its feasibility. Additionally, we suggest improvement strategies such as collaboration and mergers, expansion of coverage offerings, and integration with other insurance categories. We also provide a forward-looking perspective on future developments. In summary, our research seeks to address the issues present in the domestic travel insurance market and simultaneously create more opportunities for the insurance industry. Through the implementation of a digital fragmented policy platform and other relevant improvement strategies, we aim to enhance consumer protection experiences and reinforce the competitiveness of insurance companies. These measures are expected to yield positive impacts in practice, fostering innovation and progress.