Marketing planning of travel insurance products

Marketing planning of travel insurance products

Marketing plan of travel insurance products. Marketing slogan: "Travel around the world with insurance, be safe, worry-free and happy."

II. Insurance coverage and portfolio plan:

Scheme A: "Accident Insurance for Tourists in Tourist Attractions" (agent sales in scenic spots/districts)

The maximum number of copies purchased by each person shall be subject to the interpretation of the terms. Tear off policy

Yuanyuan powder

Yuan XX yuan

The insurance period is from entering the scenic spot to leaving the scenic spot.

Scheme B: "Travel accident insurance" (two schemes)

Scheme b: the insured amount 10000 yuan (suitable for travel agency/travel company to sell).

Insurance premium insurance liability

Travel insurance period, insurance premium adjustment, accident and acute death; *, death treatment, body repatriation fee; Disability insurance; *, accident, acute medical insurance.

one-day tour

Rmb for domestic travel within one day, and RMB will be charged for more than one day.

The number of inbound tourism days is RMB, and each additional day is RMB.

The number of outbound travel days is RMB, and each additional day is RMB.

Subject to "Travel Accident Insurance Clause".

* The fee is 2% of the insured amount;

* This fee is% of the insured amount, and the absolute deductible is RMB.

Scheme b: the insured amount 10000 RMB (suitable for sales in tourist attractions/communities).

Insurance premium, insurance period and insurance liability

Yuan's time from tourists buying tickets to entering the scenic spot/area to leaving the scenic spot/area is no longer than days. Accident, suffering from acute disease; *, death treatment, body repatriation fee; Disability insurance; *, accident, acute medical insurance.

Subject to "Travel Accident Insurance Clause".

* The fee is 2% of the insured amount;

* This fee is% of the insured amount, and the absolute deductible is RMB.

Scheme C: "Tourism Safety personal accident insurance"

Scheme of insurance amount 10000 yuan (suitable for travel agency/travel company sales)

Insurance premium ~ Remarks on the day tour include: lost time allowance, emergency transportation allowance, transportation allowance for referral in different places, transportation allowance for returning the remains, insurance premium for burial in different places, and assistance for visiting immediate family members in different places.

~ Dayuanyou

~ Dayuanyou

If it exceeds 10 days, it will be charged 100 yuan per day.

The insurance amount for death and disability is RMB.

Accidental medical yuan

Unexpected supplement of domestic tourism

International Travel Accident Supplement

Insurance period: from 0: 00 on the agreed start date to 24: 00 on the agreed non-termination date.

Scheme D: "Travel Agency Liability Insurance"

Insurance premium/domestic travel agency RMB.

International travel agency XX yuan

Cumulative compensation limit 10000 yuan.

The compensation limit for each person is 10000 yuan for domestic tours and 10000 yuan for inbound tours.

Travel agency payment standard (number of tourists received/person) is below ~ ~ ~ ~

Three. Analysis of selling points and sales models of various schemes;

1. Scheme A is a fixed tear insurance policy, which is simple to operate; The fee is low and easy for tourists to accept. Suitable for scenic spots, scenic spots agent sales.

Sales model:

), bundled sales: Tickets include RMB or RMB insurance premium, which is equivalent to providing RMB or XX insurance for tourists free of charge in scenic spots/attractions, so as to enhance the visibility of scenic spots/regions and attract more tourists.

Additional sales: this insurance is sold at the same time as the ticket is sold. Returning part of the cost to the conductor will expand the sales of this insurance.

Plan B increases the accidental medical insurance premium, death treatment insurance premium and body repatriation insurance premium, which provides a more comprehensive guarantee for outbound travel, solves the problem of compensation for minor accidental injuries of tourists during travel, and will greatly reduce the disputes in team travel of travel agencies, and the success rate of persuading travel agencies to sell this product should be higher; What impresses tourists and travel agencies more is that the scheme contains the compensation for acute diseases, which is the only product in all tourism products that contains this compensation, so it is easier to sell;

In Scheme C, in addition to the accidental medical insurance premium, the accidental supplementary insurance premium is also increased. This unexpected supplementary insurance premium covers all aspects. It is comprehensive and the insurance premium is not high, which can be accepted by tourists and travel agencies. ,

Marketing planning of travel insurance products

The "Travel Agency Liability Insurance" in Scheme D is statutory compulsory insurance, and any travel agency must take out the "Travel Agency Liability Insurance" before it is allowed to operate tourism business. Therefore, it is suitable for salesmen to directly contact and negotiate with tourism bureaus, travel companies and travel agencies, and the premium income is considerable.

The advantages of selling Plan B "Travel Accident Insurance" and Plan C "Travel Safety Personal Accident Insurance" on behalf of travel companies and travel agencies are as follows: (1) By selling the above two travel insurance products to tourists, they can get the greatest protection for tourists and reduce their own business risks; (), in the fierce market competition, the above two products will be given to tourists as competitive weapons for free, so as to attract tourists and improve their popularity, and the cost is not high; (), you can get part of the cost and increase the operating profit; () The compensation for acute medical expenses in Scheme B is not included in "Travel Agency Liability Insurance" and is a potential risk for travel agencies. Selling this insurance product can avoid the death of tourists and the dispute of hospitalization medical expenses caused by acute diseases during the travel.

Fourth, the incentive scheme:

The company rewards employees and companies that achieve the following goals:

Employees who successfully signed the "Travel Agency Liability Insurance" policy won the "Pioneer Award".

, the company awarded honorary certificates and bonus yuan;

An employee's travel product premium income (premium income is not less than RMB) as of * * month * day: won the "Entrepreneurship Award",

, the company issued a certificate of honor and cash yuan;

Employees and companies that put forward reasonable suggestions on marketing plans and are adopted or promoted by the company,

, won the honorary certificate of "Dedication Award" issued by the company. ,