关于投保的简化设计

This time, I want to talk about the online insurance interaction design of insurance products.

The offline insurance flow is basically as follows:

The information of the applicant and the insured includes the ID number, age, gender, and mobile phone number.

I'm afraid everyone still doesn't understand, so I'll take * * Zhong 'an's insurance * * to show you:

(ps: Zhong An integrates premium trial calculation and options)

Enter so much information! Bother?

Answer: “Regulatory authorities require so much information to be added.”

Why not the first option?Add the insured's information again?

Answer: "Most products do not add the" insured information ", so the premium cannot be obtained.

Let me spread the word about the * * price factors that currently affect premiums for online products: * *

So is there any rescue for this insured design?

Sure, I optimize my coverage from these dimensions:

1. Process: Since the insured information and the insured information need to be added, * * the default insured is the insured himself. Of course, it is necessary to determine whether the insured is 18 years old or not, and the guardian information needs to be added. * *
2. Functionally: Adding the commonly used insured information function will * * automatically remember the insured's personal information, reducing user operations * *
3. Details: Added ID card analysis function to analyze the insured person's * * birthday and gender according to the ID card number, and only let the user enter when such information cannot be analyzed. * *With the above simplification, the original complex insurance is transformed into a one-step solution.