In the increasingly competitive insurance industry, product innovation has become the core grasp for major insurance companies to successfully break through and achieve steady development.
In this context, as the first Sino-Japanese joint venture life insurance company approved for operation in China, Changsheng Life has always adhered to the business philosophy of "people-oriented, professional management, honest service, and social return" since its establishment, and has taken "becoming the most trusted life insurance company in the market" as its development vision, continued to follow the new trend of industry development, driven by innovative development ideas, and forged ahead and continuously explored on the road of strategic transformation. Innovative and diversified product system for the whole life cycle of pension and wealth management.
Thanks to the steady advancement of the new strategy of high-quality development and the continuous forging of innovative and differentiated product matrix in recent yearsLongevityRatedEvery financial networkwithDaily financial reportsJointly launched"2023 Golden Persimmon Award - Product Innovation Insurance Sample Enterprise".It is an affirmation of its continuous innovation in the design of insurance products.
Continuous product innovation capabilities empower Changsheng Life to open up new paths
In recent years, with the improvement of people's living standards and the enhancement of health security awareness, consumers have a strong demand for high-quality medical care, and they have looked overseas to seek more high-end medical services. According to the "Analysis of the Current Situation of China's Overseas Medical Market 2023" released by the China Research Institute of Puhua Industry Research Institute, from the level of China's economic development and consumption power**, the market potential of the overseas medical market and its related industries may exceed tens of billions of US dollars in the next 10 years. As long as conditions permit, domestic patients can also go overseas to enjoy advanced and developed medical services.
It is foreseeable that under the opportunity of consumers' increasing demand for overseas high-end medical services, insurance companies will extend innovative products in this direction, and there will be unlimited possibilities for growth imagination.
In fact, Changsheng Life has long been ahead of the market, deeply understanding the urgent needs of users for overseas mid-to-high-end medical services, and took the lead in creating the "Changsheng Rainbow Bridge" product brand linking Japan's high-quality medical resources in 2015, and escorting customers to Japan for medical insurance through the whole process of "product + service".
In 2023, Changsheng Life will continue to innovate and upgrade its brand according to market changes, and develop the "Changsheng Rainbow Bridge Exclusive Medical Insurance Model B" product, which will build a "rainbow bridge" directly to Japan's high-end medical care for patients suffering from specific critical illnesses. It is reported that this product is based on Japan's critical illness diagnosis and treatment and precision physical examination services, providing customers with meticulous and thoughtful solutions. It can not only provide patients with written consultation and diagnosis and treatment services, remote diagnosis and treatment services, help patients optimize the efficiency of consultation and diagnosis and treatment experience, but also seamlessly connect with Japan's scarce high-end medical resources to help customers make appointments for high-end physical examination services in Japan.
At the same time, in order to solve the worries of patients who do not understand the language and inconvenience of daily life during their medical treatment in Japan, Changsheng Life has specially equipped intimate services such as Japanese medical resource coordination, medical Japanese translation, hospital consultation and appointment for patients with four specific diseases in Japan.
It is worth mentioning that Changsheng Life has also been focusing on the lack of protection products under the health and cancer prevention needs of the elderly, and innovatively launched the "Changsheng Xinbao Severe Malignant Tumor Disease Insurance", which aims to provide scarce health protection solutions for the elderly with a higher insurance age limit by setting the insurance age range to 46-75 years old, and solve the problem of health risks for the elderly group.
Constantly innovating the service connotation and service form, Changsheng Life is always on the road
Products and services are in the same line, historical experience tells us a truth, a company has a strong product innovation ability at the same time, often will also pay attention to customer service, continue to focus on the concept of service to a new position.
For a long time, Changsheng Life has always been committed to providing customers with the best insurance solutions and services tailored to their needs, creating a diversified service system, continuously improving service experience and enhancing brand reputation. All this is the core of Changsheng Life's ability to strengthen the differentiation of products and services.
In terms of innovative services, Changsheng Life has continuously actively explored and innovated, deeply cultivated the professional field of insurance technology, and successively launched a series of high-quality value-added services and scientific and technological innovation achievements with both humane care and innovative characteristics, such as "health management value-added services", "Changsheng e-Diantong", "personal insurance WeChat claims", etc., with the blessing of intelligent technology and high-quality ecological resources, new insurance service scenarios came into being.
Taking the "small quick claim" service as an example, Changsheng Life can complete the claim settlement within 10 minutes after receiving the customer's application for medical expenses and hospitalization allowance at the earliest, and Changsheng Life also provides customers with a number of services such as self-service preservation and self-claim settlement, with convenient process and progress reminder function.
It can be seen that under the guidance of Changsheng Life's innovative development of "insurance +" as the core idea, it continues to expand product content and increase differentiated service capabilities, and makes use of the service advantages covering all scenarios to bring customers a new ecology of insurance services with warmth and affection, and further enhance the company's core competitiveness.
In the future, Changsheng Life will continue to follow the development trend of the industry, continue to deepen its ability to grasp market demand, focus on the new strategy of value growth, and launch more customized differentiated and innovative insurance products and services under the guidance of innovative thinking and customer thinking, guided by the new concept of "insurance +" innovation and development, so as to bring consumers a new insurance consumption experience and help the company's development enter a new chapter of innovation-driven.