OneDegree去年賺七位數 首間虛擬保險賺錢 (16:19) – 20260119 – 即時財經新聞

周美華指他們不通過經紀銷售,客戶續保時公司不需再付額外佣金,若能保持高續保率,成本便可受惠於規模效應,去年所有產品平均續保率保持在90%。她認為寵物保險續有增長空間,而家居和火險滲透率亦續可提升,雖然網上購買財產保險已開始普及,不過家居保險、火險仍有不少人選擇依靠代理投保,未來期望續以科技化流程和人性化體驗,帶動虛保變成主流。她展望公司獲利可以持續,目標未來5年收入增長兩倍。

在產品上,她指該行以藍海市場(即未被充分開發市場)產品為核心,發展新產品需看機遇,除非有夥伴合作能提供競爭優勢,否則醫療保險、旅遊保險等不會是重心項目。另一方面,該行在3年前開始數字資產保險業務,現時在本港市場的市佔有7成,去年開拓中東市場,保費收入整體上升1.5倍。

OneDegree現時員工為92人,周美華指相對2020年開業時其收入上升38倍,不過員工人數維持在100人水平,相對傳統保險公司員工較多為銷售代理和行政工作,該行則25%與科技相關,改善客戶數碼體驗、自動化,減少人手流程,現時該行有40%理賠個案以全自動審批,人手審批多涉及需要客戶補交文件。至於會否因為應用AI裁減人手,周美華則指他們沒有裁員,因為應用AI後亦需人手檢查是否有出錯,該行及後會在數據分析、客戶服務監察方面增加人手,預期整體員工數目仍不會超過100人。

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中國太平發盈喜 料去年多賺逾兩倍

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