On December 21, at the 14th SSE Wealth Management Forum and "Golden Wealth Management" Award Ceremony hosted by Shanghai ** News and China ** Network, the "Ping An Agricultural Gig Work Insurance" product launched by Ping An Property & Casualty stood out from nearly 100 products from dozens of financial institutions and won the "Golden Wealth Management" annual innovative insurance product by virtue of its innovative guarantee.
Tailor-made agricultural flexible work guarantees, and weave a dense rural revitalization security network
In 2022, the "Implementation Opinions on Further Supporting the Employment and Entrepreneurship of Migrant Workers" jointly issued by the National Rural Revitalization Administration and other departments emphasized that it is necessary to support the stabilization of migrant workers' jobs, guide migrant workers to go out to work in an orderly manner, promote migrant workers' employment and entrepreneurship nearby, strengthen the employment service guarantee for migrant workers, and implement actions to prevent them from returning to poverty.
At present, agricultural flexible employment has the characteristics of strong personnel mobility and complex working environment, and there is a risk of poverty due to injury, and the existing security products are difficult to meet the needs of agricultural flexible labor security.
In order to solve the problems such as the lack of flexibility in the protection of agricultural flexible workers and the inability of individuals to insulate, Ping An Property & Casualty has conducted in-depth insights into agricultural segmentation scenarios, conducted questionnaire surveys on thousands of agricultural employment units, deeply explored the risk points of employment scenarios in different agricultural industries, and made a lot of innovations in product design.
Specifically, "Ping An Agricultural Gig Insurance" has the following innovative highlights:
More flexible protection: The product supports customized personalized protection plans for customers in different agricultural industries, such as rice harvesting and fruit picking, which can not only cover accidental death and medical expenses, but also provide protection for lost work expenses due to injury, so as to fit the employment environment to the greatest extent
Wide range of application: The age range for insurance has been expanded from 18-60 years old for traditional employers to 16-70 years old, which is closer to the age structure of flexible employeesSupport short-term insurance, even short-term employment of 1 day to 1 year can be guaranteed, which is more in line with the characteristics of seasonal employment in agriculture.
Low insurance threshold: Agricultural-related enterprises, cooperatives, and large farmers can be insured. At the same time, in view of the short-term agricultural work, the product also provides two insurance billing methods according to the planting area and according to the name of the person, so as to meet the insurance needs of employment customers to the greatest extent.
Build a one-stop customer service platform to provide digital insurance services
Relying on digital transformation, Ping An Property & Casualty has built an exclusive service platform "Ping An Enterprise Treasure" that can directly reach employment customers, built an online service system for the whole insurance process, and realized 7*24 hours of customer insurance business handling and special service consultation.
In the process of business processing, the documents and materials of Ping An Gig Industrial Insurance products are fully paperless, and customers can realize the online management of insurance business without leaving home, and the business timeliness has been increased from the original days to seconds, and the fastest can be completed within 1 minute.
In the process of customer survival, the Qibao platform is connected to diversified business services such as natural disaster early warning and legal consultation, extending the service boundary and improving the customer experience.
In the process of claims, the online operation realizes the interoperability of the client, the claims end and the business end platform, realizes the whole process of online claims service for agricultural employment customers, realizes the real-time visibility of the claim progress of customers, and arrives in three steps for simple cases, creating a customer service reputation of "saving time, worry and money".
According to the data, since its launch in July 2023, "Ping An Agricultural Gig Work Insurance" has provided employment protection for more than 2,000 agricultural employment units such as tea picking, rice harvesting, and fruit picking, with a cumulative insurance amount of more than 5 billion, covering nearly 50,000 agricultural workers.
With the deepening of the revitalization of rural industries, the demand for agricultural workers is increasing, especially in the sowing and picking links, which often require a large number of temporary workers. "Ping An Agricultural Gig Worker Insurance" is a useful exploration to fill the employment security gap of rural gig workers, which not only helps improve the security mechanism for rural flexible workers, promotes the employment and income of farmers at the "doorstep", but also effectively reduces the risk of poverty caused by injuries of rural gig workers, improves their ability to cope with the risk of personal accidents, and escorts the comprehensive promotion of rural revitalization.
Ping An Property & Casualty said that in the future, the company will continue to firmly practice the political and people's nature of financial work, continue to explore more new measures and models of insurance services for the "three rural" areas, take the continuous increase of farmers' income as the starting point and foothold of helping rural revitalization, continuously innovate insurance products and services, weave a dense farmers' safety network, and effectively contribute to comprehensive rural revitalization.