With the influence of insurance industry structural transformation, the integral development of internet insurance is suffocated. The old development pattern is incapable of adapting to the industry development demand of the new era. Insurance companies should adjust strategies to strengthen intensive cultivation of product & channel and focus on insurtech to cater industry development tendency.
受保险行业结构转型影响，互联网保险整体发展受阻。以往 “短平快”的发展模式已不能适应新时代的行业发展需求，保险机构需要及时调整战略目标，加强对产品和渠道的精耕细作，重视保险科技的赋能布局，才能迎合行业发展趋势。
Traditional insurance companies usually customize product according to law of large numbers, however, “large and comprehensive” products can’t offer personalized guarantee for scenes segmentation. As a result, the gap between demand and supply creates an immeasurable blue ocean, which provides opportunities for business mode innovation.
以往传统保险公司多依据大数定律进行产品定制，“大而全”产品无法为细分场景提供个性保障。需求与供给之间的鸿沟造就了一个不可估量的蓝海市场，也为保险机构创新业务模式，催生行业新动能提供了机会。
Based on the market status, 3rd InsurTech Innovation Congress China 2019 (September 24-25, Beijing, China) attaches importance to product and channel innovation and explore the answers of how to achieve innovation subversion of the overall links for business model and business scenes by insurtech.
基于这样的市场判断，2019第三届中国保险科技创新国际峰会（9月24-25日，中国北京）重视产品与渠道创新话题讨论，分享如何运用科技手段，在商业模式、业务场景上，分别从保险流程的各个环节进行着颠覆创新。
Topic Highlights 议题亮点：
♦ Reimaging Insurance Products with Technologies
科技重构保险产品
♦ Health Insurance Products Innovation with Big Data and AI
基于大数据与人工智能的健康险产品创新
♦ Practice Sharing of Blockchain-Based Insurance Product Innovation
区块链保险产品创新实践分享
♦ Data- and Cloud-Driven Dynamic Pricing in Insurance
数据与云驱动保险动态定价
♦ Redefine Insurance Distribution: How will InsurTech Change the Landscape
重新定义保险营销：保险科技如何发力
♦ KYC and Precision Marketing in Insurance: to Explore the Values of Data and Analytics
了解你的客户与保险精准营销：挖掘大数据与数据分析的价值
♦ Insurance Distribution Evolution with Technologies: Digital Channels & New Retails
科技助力保险营销变革：数字渠道与新零售
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