Chapter 548 Is There Any Work for Computer Majors?

"Principal, our Star Critical Illness Insurance sold 70,000 copies on the first day."

"According to the market department's estimate."

"The sales of Star Critical Illness Insurance can reach up to 15 million within a year."

"But it is difficult to continue to rise rapidly."

"After all, the price is indeed very expensive, 10,000 per person per year. With the current income level in China, not many families can afford it."

"But the students are already planning to launch a new insurance model with low coverage, excluding some rare diseases from the coverage, and only keeping the top 20 incidence rates, with the price controlled at around 3,000 per year."

"It will be named Star Critical Illness Insurance No. 2."

"This is considered People-friendly version. "

"Secondly, the country is now promoting commercial pension insurance, and Tianhai City has also contacted us, hoping that we can also enter this field."

"Some students are already developing the model."

"As for car insurance, we don't plan to enter for the time being. This type of insurance is too risky. If the protection is too good, it may lead to an increase in the probability of car accidents."

"But we will get involved in life insurance and accident insurance."

"We plan to launch the first batch of insurance products this year, and then slowly increase them..."

In the conference room, the teacher in charge of Xingchen Financial Company talked about the current situation of his insurance department and future development plans.

Ye Chen was very satisfied with this.

Xingchen Critical Illness Insurance sold 70,000 copies on the first day.

That's 700 million yuan.

If there are really 15 million users, that's a full 150 billion in funds.

The most important thing is that insurance needs to be renewed.

That is to say, 150 billion is received every year.

And in the first five years after the insurance was issued, the compensation rate was very low.

It will basically take ten years before the high incidence of compensation will come.

Therefore, before this, the funds available to Xingchen Academy will reach a terrifying number.

The most important thing is that this is just one product of Xingchen Critical Illness Insurance.

There will be more products in the future, covering more people.

For example, as the teacher said, critical illness insurance with more affordable pricing.

There are also life insurance, accident insurance, and commercial pension insurance.

These are all very profitable insurance types.

For example, life insurance will only be withdrawn or compensated at a certain age.

In the early stage, it is basically collecting money all the time.

The same is true for commercial insurance.

And based on the rate of return of its own financial company.

This money has always been in the hands of Xingchen Academy, and the scale will only get bigger and bigger.

This made Ye Chen sigh.

The insurance industry is indeed profitable.

But even with such huge profits, insurance companies still want to cheat.

It can only be said that there are too few people who know how to be content.

"Students from the investment department shorted a number of domestic insurance companies listed on the Hong Kong stock market before Xingchen's critical illness insurance was launched."

"The stock prices of various companies are still falling now."

"It is estimated that their critical illness insurance renewal rate performance next month will be very ugly."

"And when we launch more insurance products, they will fall again."

"Students have made arrangements in advance, and I am afraid they will make a lot of money this time."

The teacher continued.

Ye Chen's smile became even bigger.

To open a chip major, the money required is indeed too much.

The more money your own financial company makes, the better.

"What are the reactions of various insurance companies?"

Ye Chen was quite curious about the response methods of various insurance companies.

Hearing this, the teacher smiled lightly: "They reacted quickly and have planned to transform. I heard that Ping An and Life Insurance are going to launch an insurance that completely copies our coverage..."

"The pricing will be about 10% lower than ours, to compete with us for the market and fight a price war."

Hearing this, Ye Chen curled his lips.

Domestic companies will always only play the price war.

But the question is, what right do companies have to engage in price wars with each other?

The biggest expense for each insurance company is sales expenses.

Some sales expenses can even account for 30% of the insurance premium.

Xingchen Insurance, its own company, has no sales expenses.

Without sales expenses, the profit margin of its insurance products is only 20%.

Your sales expenses are so high?

Are you really not losing money?

Or are you just fighting a price war to lose money?

But if you play like this, when the high-incidence period of claims comes, will you be able to pay the money?

Anyway, Ye Chen is not optimistic about these competitors.

Xingchen Financial Company never engages in price wars.

Only reputation and high-quality after-sales service cards.

You can lower the price as much as you like.

Ye Chen is not worried about the impact of these competitors.

The teacher's view is the same.

Although Xingchen Financial Company has just entered the insurance field.

The other party is the giant in the market.

But the reputation and credibility of Xingchen Academy can cause a dimensionality reduction attack on these insurance companies.

Those who can afford Xingchen critical illness insurance will not feel sorry for the little money and buy the cheaper one.

After all, what if they change to another company and need to pay compensation, but the insurance company cannot pay?

And those who cannot afford Xingchen critical illness insurance will not buy it for a mere 10% discount.

Therefore, the price war of the opponent is meaningless.

And then, whether Xingchen Financial Company launches life insurance, commercial pension insurance, or accident insurance.

It can crush the existing products of other insurance companies.

After all, when any citizen considers buying insurance, the most important thing they care about is the credit of the insurance company.

Therefore, it is good for other insurance companies to maintain their current basic market.

The only possibility for them to turn the tables is that Xingchen College will go bankrupt one day, run out of money, and be unable to repay.

But how could this happen?

...

In the following days.

Xingchen critical illness insurance continues to be popular.

The physical examination departments of the second-class and third-class hospitals across the country are overcrowded.

These people all come for physical examinations to buy Xingchen critical illness insurance.

This even forced Xingchen Financial Company to speed up the recruitment of employees and accelerate the layout planning of national outlets.

In order to provide better after-sales service to insurance buyers across the country as much as possible.

At the same time.

Xingchen Financial Company has issued a commission to the artificial intelligence major of the college.

I hope that the artificial intelligence major can develop an AI specifically used as an insurance customer service.

After all, there are really too many insurance buyers who ask online.

After all, the pace of life is fast nowadays, and most people can solve it online with their mobile phones, so they will never go offline.

There are too many needs for consultation.

The AI ​​that financial companies need does not need to be omniscient.

But it needs to have a deep and thorough understanding of its own insurance products, and its logical thinking must be strong enough.

After all, there is no formula for the insured's prompts.

You can't predict how the other party will ask questions.

It's even more impossible to predict what kind of messy questions the other party will ask.

For example, my second uncle's wife's nephew is 60 years old, can he still buy this insurance?

If the AI ​​is not smart, it is estimated that it will be confused by the relationship chain.

It is impossible to answer normally.

Not to mention some details and hypothetical questions.

Most of the AI ​​on the Internet now can only process and summarize.

But it is difficult to answer more hypothetical and imaginative questions.

It is not qualified to be a customer service.

Therefore, many companies that have begun to use AI as customer service are particularly disliked by consumers.

Because these AIs can't do anything.

They can only send you a link to solve some simple operational problems.

If the problem is complicated.

Then they will just ask you to describe the problem in more detail over and over again.

Or the answer given is completely irrelevant to your question.

Nowadays, shopping websites, Internet giants, and even mobile communication companies use AI as customer service to save manpower.

But those who have tried it know how stupid these AIs are.

In the end, you still have to find human customer service to solve the problem.

It is a complete waste of users' time.

So financial companies need a smarter AI that can at least solve problems for 95% of customers.

Rather than artificial retardation.

It will only bring more trouble to consumers.

This requirement is obviously not simple.

But after discussing, the teachers of artificial intelligence took on this job.

I plan to let the students conceive first.

Wait until the third-year students officially start internships in the college's artificial intelligence company.

Then officially start the project.

Because if this project can solve.

It seems to only solve the needs of Xingchen Financial Company.

But in fact, when AI reaches this ability.

As long as the machine learns relevant knowledge, it can serve as customer service for all companies.

The most important thing is that it can go further.

For example, the principal of our school always mentions something like an intelligent robot that can take care of the elderly and children.

And if you want to take care, you must be able to communicate and understand human words.

This customer service system is an opportunity.

Even if Xingchen Financial Company did not make this request, they will definitely get involved in the future.

In addition to the demand for intelligent AI customer service.

Xingchen Financial Company also hopes that the college can develop a set of intelligent hospital interaction system at that time.

So as to realize the intercommunication of patient information.

In simple terms, it is that A has a physical examination in Hospital A, and there is a problem. He thinks that Hospital A is not strong enough, so he goes to Hospital B for treatment.

But when he arrives at Hospital B, he has to tell the doctor about his problem again and do another examination.

Some new hospitals even have to create a new file for the first time.

Waste of money, time, and energy.

If it can be interoperable, then when he arrives at Hospital B, Hospital B can directly retrieve his medical records, then know the problem, and check the results of the last examination.

Make judgments and treatments faster.

And this is also a good thing for insurance companies.

When the insured purchases insurance, he only needs to give the insurance company the authority to view his own hospital information once.

The insurance company can confirm whether the other party meets the insurance standards more quickly.

This will save a lot of manpower and material resources.

It can also save time for patients and hospitals.

Even safer.

After all, doctors can also see what medicines patients have taken before and what they are allergic to through patient information.

Thus, medical accidents can be avoided.

For some patients who are transferred to other hospitals, the doctors who take over can also understand the patient's condition better through online information.

This is absolutely beneficial and has no harm.

After knowing the expression of the financial company, Ye Chen also thought this proposal was good.

It can speed up the information operation of society, improve efficiency and experience.

It is also a good thing for the future Xingchen Affiliated Hospital.

After all, once Xingchen Affiliated Hospital becomes famous, patients from all over the country will come to see the doctor.

By then, through this system.

Our own doctors can also understand the patients faster and treat them in a targeted manner.

Instead of asking the patients without knowing anything.

After all, most patients do not have rich medical knowledge and find it difficult to describe the problems they encounter.

Some even have ulterior motives and do not say what they should say.

For example, if a woman is pregnant, she deliberately does not tell the doctor, and then takes the medicine prescribed by the doctor to treat the disease. Even if she recovers, she cannot keep the child.

At this time, she will sue the doctor for not understanding the situation and treating her randomly.

Extorting money.

It can be said that with this medical intercommunication system.

It will greatly improve the medical services across the country.

However, the teachers of artificial intelligence said.

They cannot do this job.

This is what computer science should do.

Unless you want to add a large model to this medical system, such as based on the patient's physical examination and past medical records.

Predict what disease the patient may have.

Predict the probability of recurrence of the patient.

Predict what problems the patient may have and what examinations should be done.

Otherwise, their artificial intelligence majors can't do this.

Ye Chen nodded, thinking this was a good idea.

In Ye Chen's opinion, this is the positive development direction of artificial intelligence, helping all mankind live better.

Instead of linking artificial intelligence with advertising and the like.

It's all about cutting leeks.

Ye Chen is very optimistic about this medical intercommunication system.

So he handed it over to the computer science teacher.

Let the teachers look at the needs and estimate when their students can start to make such a system.

It can only be that the computer science students are really miserable.

This is only the first year, and the principal Ye Chen has already arranged the work for them in the future.

...

Xingchen critical illness insurance continues to be popular.

But there are also many people who think it is too expensive.

Because the annual premium of 10,000 per person is indeed not cheap.

Most ordinary families, even a family of three, have to spend 30,000 in premiums a year.

This is definitely a huge expense.

So many families only bought Xingchen critical illness insurance for their children.

Many netizens are calling for Xingchen Financial Company to launch a critical illness insurance with a lower coverage and cheaper premium.

After all, the popularity of Xingchen critical illness insurance these days.

It has also popularized relevant insurance knowledge for many people and deepened their insurance awareness.

They also feel that they need insurance.

But there are too many scandals about other insurances these days.

So they think that since they are buying insurance, it is better to buy Xingchen Academy's insurance.

Direct one-step.

Otherwise, it is better not to buy.

But Xingchen critical illness insurance is relatively expensive and cannot be afforded at all.

So they hope that Xingchen Financial Company can launch a critical illness insurance product that most people can afford.

Even if the benefits are lower.

But at least if something happens, they can have some protection.

Just when netizens were talking about it.

Speculating whether Xingchen Financial Company would comply with their requirements and launch a cheap critical illness insurance.

A bigger news appeared.

It instantly attracted the attention of all netizens.

"The first person who needs to be compensated after the first insured person of Xingchen Critical Illness Insurance has appeared!"

After seeing this news.

Netizens were undoubtedly shocked.

What a joke?

You know, Xingchen Critical Illness Insurance has only been on sale for more than 20 days, not even a month!

Getting sick in such a short time?

Why are they so unbelieving?

So the first reaction of many netizens was that someone was cheating on insurance.

Most of them used means to bribe the staff of the physical examination hospital and tampered with the physical examination data, thereby deceiving Xingchen Financial Company and successfully insuring.

This kind of thing is not uncommon in the insurance industry.

Most netizens are disgusted with this kind of insurance fraud.

After all, if there are more people who do not follow the rules and exploit loopholes, it will only lead to a decline in welfare.

The most famous example of this is Pitaya, the world's number one mobile phone company.

When the other party first came to China, the after-sales treatment was the same as that of the whole world.

But it is said that there are second-hand dealers who took advantage of Pitaya's after-sales policy and replaced millions of new mobile phones with old machines in a year.

Directly caused huge losses to Pitaya.

Then the after-sales policy changed. If there was a problem, they would not replace the new one, and the after-sales service became more stringent.

It can be said that these people who played tricks harmed the interests of everyone.

It prevented everyone from enjoying their normal rights and interests.

In this case, it is normal for everyone to hate such people.

So for a while, the Internet was full of criticism.

Some people believed that Xingchen Financial Company must strictly check the patient's information.

If the problem was found, it would be made public directly, and the other party must not be allowed to get into trouble.

After all, if the premiums were all taken by such people.

Then people who really get sick in the future will have no money to use.

So everyone felt that Xingchen Financial Company must take it seriously.

Killing the chicken to scare the monkey.

However, in the midst of public indignation.

Xingchen Financial Company issued a separate announcement.

The announcement stated that the previous examination case of the first claimant was verified to be completely true.

There was no insurance fraud.

Please don’t put too much pressure on the patients... (End of this chapter)