Chapter 1248: Make the problem of difficult claims settlement no longer occur

Gu Yue didn't think for too long and looked at Chen Changliu firmly.

"Mr. Chen, thank you for your trust. I want to challenge you. I will prove that your vision is still accurate!"

Chen Changliu smiled and nodded. He was not surprised by Gu Yue's choice.

Although this challenge is not easy, Gu Yue is different. The difference here is not because of how strong her ability is.

It's because she has nothing to worry about.

Even if she fails to do it, to put it bluntly, it actually has no impact on her.

Because even if she doesn't work, she is still a rich wife, and she is the kind that her husband's family is.

The reason why Chen Changliu chose Gu Yue, who had no worries, to join United Insurance as the vice president was because during this period, Gu Yue's ability was recognized by him in negotiating for United Insurance's shareholding.

Whether it was the investigation data beforehand or the meticulous logic during the negotiations, it showed that as a supervisor in an engineering company, it was her ability to retain her superiors during the transplant.

Moreover, she is Wu Feng's fiancée and will get married at the end of the year. With such a relationship here, she is relieved.

It's not impossible to transfer people from flower growers, but to put it bluntly, flower growers are also developing at a rapid pace, and they are definitely in need of talents.

Therefore, after considering all aspects, Chen Changliu ultimately hired Gu Yue from outside the company instead of transferring someone from within the company to be the vice president.

Although I didn't expect how much money United Insurance would make for flower growers, some reminders were still necessary to help Gu Yue achieve results.

So Chen Changliu thought about it and said:

"Gu Yue, I estimate that health insurance will be a type of insurance that will grow significantly and attract much attention in the next 10 years.

With the improvement of people's living standards and the enhancement of health awareness, the demand for health protection continues to increase.

Especially in the context of rising medical costs, people are more aware of the importance of health insurance and hope to reduce their medical burden by purchasing insurance.

And as far as I know, the leaders above are very supportive of commercial health insurance and think it is a powerful supplement to social security.

I estimate that a series of policies will be introduced to encourage the development of health insurance, such as tax preferential policies, etc., which will provide a good policy environment for the development of health insurance.

You should have done research on domestic insurance. Do you think my judgment is correct? "

Gu Yue thought it was a test for her growing up, but she nodded without thinking, because she also believed that after the domestic economy developed, health insurance would grow at an absolutely fast rate.

Because there are so many countries as examples.

As for what Chen Changliu said about the superiors' intention to introduce support policies, she really didn't know, and she didn't hear her father say it.

If Gu Yue had just returned to China, she would definitely doubt Chen Changliu's information, but now she has no doubts at all.

Because she still knows a lot about this man's network. To be honest, her father is definitely not as strong as him.

"So what do you think are the problems with our domestic health insurance?"

Gu Yue had obviously done her homework, she just organized her words a little and continued to answer:

“I think the current health insurance coverage in China is relatively simple.

Mainly reflected in the following aspects:

1. Few types of covered diseases:

In terms of critical illness insurance, the scope of diseases covered by critical illness insurance is too small, and there is almost no coverage for some rare diseases and specific diseases.

In terms of medical insurance, the coverage of medical insurance is also relatively narrow, mainly reimbursing hospitalization medical expenses for some common diseases.

There is insufficient protection for outpatient expenses and treatment expenses for special diseases.

2. The product form is simple:

The form of critical illness insurance products is relatively simple. Most of them are critical illness products with a single payment. That is, once the insured is diagnosed with a critical illness specified in the contract, the insurance company will pay the insurance benefit in one lump sum and the contract will be terminated.

Most medical insurance is short-term medical insurance, with a coverage period of one year. The renewal conditions are also relatively strict, making renewal difficult.

Moreover, medical insurance has relatively low coverage and high deductibles, so the protection for consumers is limited.

3. Lack of additional guarantees for innovation:

The concepts of mild and moderate illness in critical illness insurance products have not been popularized yet, and there is a lack of protection for mild and moderate illness.

The cost of treatment for mild and moderate diseases is also a considerable burden for patients. The lack of protection in this area prevents consumers from fully meeting their protection needs.

In addition, health insurance products such as income loss compensation and long-term care protection are relatively rare.

These additional protections are of great significance to the patient's life and recovery during the illness..."

Gu Yue talked a lot and unexpectedly brought a surprise to Chen Changliu. Unexpectedly, Gu Yue's vision of seeing things was quite accurate.

When Gu Yue finished speaking and looked at him expectantly, Chen Changliu nodded with a satisfied smile.

Such a simple action by Chen Changliu actually made Gu Yue couldn't help but show joy, as if she was the same joy she felt when she was praised by the teacher when she was studying.

There is no way, the name of the human shadow tree, in less than 7 years, started from selling clothes at a street stall in the night market, and now the annual revenue of the Flower Garden Technology Co., Ltd. is 160 billion. I dare not say that there will be no one with such ability. But it is absolutely unprecedented.

Chen Changliu's ability in domestic business has long been recognized by everyone as being ridiculously strong, and he has not made any mistakes so far.

Especially the people around him all admired Chen Changliu. According to what they said, Chen Changliu had the ability to turn stone into gold.

So in the past six months, when Gu Yue first didn't know Chen Changliu, she thought he was a rich second generation who only knew about eating, drinking and having fun. Now, like Wu Feng and the others, she has no doubts about Chen Changliu.

That's why she was so happy to receive Chen Changliu's approval.

"Well, your analysis is correct. Many insurance types in our country are not attractive enough to ordinary people. Insurance companies need to continue to launch innovative health insurance products to meet the needs of different consumers.

For example, in the protection category you mentioned just now, we can launch special products such as long-term care insurance and cancer insurance, which will enrich the product types of health insurance.

These more targeted insurance types are what people need most.

On these foundations, improve business efficiency and service quality, and enhance customer experience, then you will definitely succeed.

Now is the era of science and technology, and the most efficient way is to use big data analysis, artificial intelligence and other scientific and technological means.

What is improving business efficiency and service quality and enhancing customer experience?

It seems very simple to me, that is, they not only talk about it when they need customers to buy insurance, but when it comes time to settle claims, they find all kinds of reasons and excuses to refuse claims.

In short, it can be summed up in one sentence: the problem of difficult claims settlement will no longer arise with joint insurance.

I hope you can make United Insurance an industry benchmark and then influence other insurance companies, which will be a great blessing to the people.

PS: Correct typos first and then correct them.

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