摘要：近年来，中国互联网和电子商务的迅速崛起，为互联网保险带来了大好的发展时机，也对我国互联网保险的发展提出新的要求。互联网保险并不是单纯的将传统产品搬运到线上，而是将互联网与保险相融合，从而产生场景化、个性化和碎片化的产品，满足客户的最新需求。互联网保险的发展创新，对保险公司和外部的监管机制等提出了更高的要求，机会与挑战并存。

面对新的要求和挑战，保险公司需要抓住创新要素，在产品的保险责任、保险期限、保险金额、购买频次、保险价格、理赔流程等关键环节上进行创新。但与此同时，互联网保险产品也遇到很多问题，如产品或者设计理念同质化严重；条款过于复杂；产品违反保险本质等。面对这样的问题，“互联网+”背景下急需寻找出保险产品创新的对策，要加快产品合法创新进程，建立健全相关法律法规，完善对互联网保险的监管，搭建大数据共享平台，运用人工智能技术，注重保险产品的知识产权保护。

本文共有七部分，开篇详细介绍了目前我国互联网背景下的保险产品，接着阐述了互联网保险产品现状和发展，并以微保为例进行案例分析。紧接着描述了当前中国市场上互联网保险创新过程中存在的问题。而后又借鉴美国和英国等发达国家的互联网保险产品创新的经验，最后，为促进我国互联网保险产品的进一步创新，提出了一些相关对策。

 

关键词: 互联网保险；互联网保险发展；互联网保险问题；解决对策

 

目 录

摘 要

Abstract

1-Introduction-1

1.1 Topic selection background and significance-1

1.2 Literature review-2

2-Comparison of Internet insurance with traditional insurance-4

2.1 Definition and content of Internet insurance-4

2.2 Comparison-5

2.2.1 Insurance liability-5

2.2.2 Insurance period-6

2.2.3 Insurance amount-8

2.2.4 Insurance price-8

2.2.5 Claims process-9

2.2.6 Frequency of purchase-9

2.2.7 Product customers-9

3-The status of Internet insurance in China-11

3.1 Diversified Internet insurance sales channels-12

3.2 Significant increase in the size of Internet premiums-13

3.3 Types of Internet insurance-14

3.3.1 Internet property insurance market-15

3.3.2 Internet life insurance market-15

4-SWOT analysis of Wesure-17

4.1 Strengths-17

4.2 Weakness-19

4.3 Opportunities-19

4.4 Threats-20

5-Problems of Internet insurance in China-22

5.1 Serious homogenization-22

5.2 Complex insurance terms-22

5.3 Violation of the essence of insurance-23

5.4 Relevant laws and regulations need to be further improved-24

5.5 Difficulty in information security guarantee-24

6-Suggestions-26

6.1 Foreign experience of Internet insurance innovation-26

6.1.1 Experience of the United States-26

6.1.2 Experience of the UK-27

6.1.2.1 Continuous improvement in service quality-27

6.2 Suggestions for Internet insurance in China-29

6.2.1 Adhere to the bottom line and principles-29

6.2.2 Use AI technology and build big data sharing platforms-29

6.2.3 Policy guidance and regulation-30

6.2.4 Intellectual property protection of Internet insurance innovation-30

7-Conclusion and Prospect-32

Reference-33

Acknowledgements