Uma ungakaze ulizwe igama elithi "insurtech" phambilini, awuwedwa! I-portmanteau "yomshuwalense" kanye "nobuchwepheshe," i-insurtech igama elisha elisetshenziselwa ukuchaza izinkampani ezishintsha imboni yomshuwalense zisebenzisa ubuchwepheshe obusha nezinto ezintsha ezandisa ukonga izindleko nezandisa ukusebenza kahle kwabahlinzeki bomshuwalense namakhasimende ngokufanayo. Njengesibonelo esivelele senkampani evukela umbuso, u-Olive uhamba phambili ekushintsheni komkhakha womshuwalense. Nakhu okuthe xaxa mayelana ne-insurtech, ukuthi isebenza kanjani, nokuthi kusho ukuthini kuwe.
Isingeniso ku-Insurtech
Kuze kube muva nje, imboni yomshuwalense ibingakashintshi kakhulu eminyakeni edlule. Imodeli eyisisekelo yahlala icishe ifane amashumi eminyaka, abahlinzeki bakhokhisa amakhasimende abo amaphrimiyamu wokutholakala ngokususelwa ekuhloleni kobungozi komuntu okunqunywa yizinto eziningi. Kodwa-ke, kufana nendlela i-fintech ebushintshe ngayo ubuso bemboni yezezimali, i-insurtech isiphenduke ithonya eliphazamisayo endleleni izinkampani zomshuwalense ezenza ngayo ibhizinisi namakhasimende azo. Njengakwezinye izimboni eziningi, izinkampani zomshuwalense ziyathanda gogeolive.com basebenzisa ubuchwepheshe obusha obusebenzisa i-Big Data, ubuhlakani bokufakelwa, kanye ne-Intanethi Yezinto, futhi kuvula indlela yemakethe yomshwalense yokuncintisana.
Isebenza Kanjani i-Insurtech?
Ngonyaka ka-2020, cishe sonke sinamadivayisi eselula afana nama-smartphones nobuchwepheshe obugqokekayo esihlala kubo noma kuphi lapho siya khona. Ngenxa yalokhu, manje sesikwazi ukuqoqa inani elikhulu lemininingwane kunanini ngaphambili! Le datha iyaqoqwa futhi ihlaziywe yizinkampani ezifuna ukwenza kangcono okuhlangenwe nakho kwethu futhi zisinikeze lokho kanye esikudingayo, lapho sikudinga khona.
Ngenkathi okunye kwalokhu kuqoqwa kwedatha kusiza izinkampani ukuhlela kahle amasu wazo wokumaketha, inhloso enkulu ukuthi bakwazi ukubona kangcono izidingo zamakhasimende abo futhi babikezele ukuthi bangenzani ukuze bahlangabezane kahle futhi basebenze kahle futhi badlule uhlu lwethu olukhulayo lwezinto ezilindelwe esikufunayo ebhizinisini. Kuzo zonke izimboni eziningi- ukuthengisa, insizakalo yokudla, kanye nokubhanga, ukubala idatha yabathengi abambalwa ngezinhloso zokubikezela nezinqunyelwe manje sekuyinsakavukela, futhi nomshuwalense awunjalo. Ngenxa yalokhu kuthuthuka kwezobuchwepheshe, izinsuku zokugcwalisa amafomu omshuwalense amade, anzima nokuthenga inqubomgomo elingana ngazinye kwinkampani yomshuwalense sezihambile. Abathengi bafuna ukusebenziseka kalula, ukufinyeleleka, isivinini, futhi ngaphezu kwakho konke, ukwenza ngokwezifiso uma kukhulunywa ngomshuwalense, kanye ne-insurtech yenza ukuthi izinhlangano ezincane zokuqalisa zikwazi ukunikela ngezinqubomgomo ezibanzi ezenzelwe ukunikeza amakhasimende ukumboza abakudingayo kunokuba ukhokhise izinqubomgomo ezibiza kakhulu ezilayishwe izici ezingadingekile.
Ngokuqoqa nokuhlanganisa idatha yekhasimende ngalinye ngazinye usebenzisa i-insurtech, izinkampani zomshuwalense ezifana ne-Olive zinganikeza ngokushesha ukumbozwa ngohlelo lokusebenza lweselula, zengeze isendlalelo esengeziwe sokusebenziseka kumuzwa wamakhasimende. Ngokwengeziwe, njengoba inkampani ye-insurtech ingasebenzisa idatha yabathengi ukunikela ngemikhiqizo yomshwalense efanele ngesikhathi esifanele, amakhasimende angafanelekela ukuthola izaphulelo namadili ngokuya ngemininingwane yabo yokushayela kuze kube ngomzuzu, ethunyelwe iqonde ngqo emotweni yabo uqobo, engenza okonga kakhulu izindleko uma kuqhathaniswa nezinqubomgomo zomshwalense wendabuko ezingaqhutshwa ubuchwepheshe.
Ikusasa le-Insurtech
Njengakwezinye ukusetshenziswa kwemboni okuphazamisa ubuchwepheshe, i-insurtech ishintsha indlela abathengi ababona ngayo umshwalense. Kudala, ukukhipha inqubomgomo yomshwalense kwakubhekwa njengobubi obudingekayo- umthethosivivinywa okufanele ukhokhwe, kungabuzwa mibuzo, ukuze kuhanjiswane nomthetho. Namuhla, izinkampani ze-insurtech ezinjenge-Olive zinika abathengi amandla okulawula izinqubomgomo zabo zomshuwalense ngokuzenza zivumelane nesabelomali sabo, izidingo zabo nendlela yabo yokuphila. Noma ngabe ikhasimende lisemakethe yomshwalense womqashi elenzelwe umuntu oyedwa e-condo noma iwaranti yemoto enwetshiwe ukusiza ukukhokha izindleko zokulungiswa kwezimoto, izinkampani zama-insurtech ezinjenge-Olive zinganikeza izingcaphuno ezisheshayo ezonga amakhasimende isikhathi futhi imali, engeza isendlalelo esingeziwe sokusebenziseka kalula nenani elikhulu lomsebenzi wokuthenga umshwalense.
Njengoba umphakathi wethu womhlaba uqhubeka nokuba nomthelela ngentuthuko kwezobuchwepheshe, singabheka phambili ekuqhubekeni nokwenza izinto ezintsha ezinkampanini kuzo zonke izimboni, kubandakanya nomshuwalense. Izindlela zendabuko zokuthenga umshwalense sezivele zancipha kakhulu kubathengi abafuna ukukhetha ngokushesha inqubomgomo evumelana kahle nezidingo zabo futhi engabongela imali inyanga ngayinye. Ngemuva kwakho konke, uma kuthatha kuphela imizuzwana engama-90 ukuthola ikhotheshini ekuvumela ukuthi uqhathanise ngokushesha-shop, kungani uqhubeka nokukhokha imali ephezulu yenqubomgomo elayishwe ngenqwaba yembozo ongayidingi?
Kulesi sikhathi samanje, abathengi balindele izinga lenkonzo eyinkimbinkimbi, yesikhathi sangempela lapho ubuchwepheshe bubavumela ukuthi babhekane nosuku ngalunye ekusebenzisaneni okuhlukahlukene. Kusukela kukhofi esi-oda phezu kohlelo lwethu lweselula njalo ekuseni ukuya ekudlulisweni kwebhange esikwazi ukukuqedela ngokuthinta inkinobho kuma-smartphones ethu, sesikujwayele ukuthi izidingo zethu ezithile zihlangatshezwe khona manjalo yizinkampani ezibonakala ngathi ziyazi ukuthi singobani nokuthi sifunani kulwazi lwethu. Kungani umshwalense kufanele wehluke?
