Platforms on the way to becoming an ecosystem
Posted: Sun Jan 26, 2025 3:29 am
In the insurance industry, there are also some examples of ecosystems that do not have the term ecosystem in their name. In addition to buying and selling cars, HUK-Autowelt also offers a specialist dealer search, the option to arrange service appointments and car subscriptions including insurance and maintenance. The Asian insurer PingAn has built several ecosystems for different areas of life, such as "cars", "real estate" and "health". PingAn has driven the development forward over several years with disruptive approaches and stringent digitalization of its own products and processes. Compared to Germany, Asia is therefore well ahead and has already gained a lot of experience.
Let us now take an example of the services offered by health insurers on their web portals for their policyholders. What all health insurers have in common is that they are not networked with each other, but poland consumer email list stand in isolation. The potential to create added value for policyholders through targeted networking and thus become an ecosystem in the "health" world is great, but requires some technical effort and investment. The data protection aspects cannot be neglected and the hurdles that arise from this must be overcome. The "health" world has become significantly more important for people in recent years, making it an ideal area for health insurers. This gives health insurers the opportunity to position themselves as preventative healthcare providers in order to attract new policyholders on the one hand and to provide preventative support to existing customers before illnesses develop on the other. However, in all cases, the key to creating a “health” ecosystem is a change of perspective in which all services offered are viewed from the customer’s point of view.
Another important characteristic of functioning ecosystems is availability on mobile devices. The use of mobile devices now exceeds the use of stationary devices and this trend is therefore clear. A mobile application must therefore be expanded to become an ecosystem. The services offered by private health insurers in their apps are currently largely limited to the submission of service receipts and tariff views. Other services can largely only be accessed via the PKV web portals.
Let us now take an example of the services offered by health insurers on their web portals for their policyholders. What all health insurers have in common is that they are not networked with each other, but poland consumer email list stand in isolation. The potential to create added value for policyholders through targeted networking and thus become an ecosystem in the "health" world is great, but requires some technical effort and investment. The data protection aspects cannot be neglected and the hurdles that arise from this must be overcome. The "health" world has become significantly more important for people in recent years, making it an ideal area for health insurers. This gives health insurers the opportunity to position themselves as preventative healthcare providers in order to attract new policyholders on the one hand and to provide preventative support to existing customers before illnesses develop on the other. However, in all cases, the key to creating a “health” ecosystem is a change of perspective in which all services offered are viewed from the customer’s point of view.
Another important characteristic of functioning ecosystems is availability on mobile devices. The use of mobile devices now exceeds the use of stationary devices and this trend is therefore clear. A mobile application must therefore be expanded to become an ecosystem. The services offered by private health insurers in their apps are currently largely limited to the submission of service receipts and tariff views. Other services can largely only be accessed via the PKV web portals.