EY+全球互助保险市场扫描：相互差异化的关键原则-英-28页_1mb

EY Global Insurance Mutual Market Scan：Principles of Mutual Differentiation

Methodology

• Based on market and organizational insights:
  • EY global network advisors
  • EY Global benchmarking survey (36 countries, 110 participants)
  • Deep-dive markets maturity assessment
  • Analysis of 30+ mutual case studies across the framework

Principles of Mutual Differentiation

1. Driving a Purpose-Led Strategy

• Focus on long-term value over profitability.
• Four pillars of long-term value: Human wellness, member value, societal impact, ecosystem productivity.
• Organizational initiatives reflect purpose-led strategy.
• Measured through strategic KPIs tied to these pillars.

2. Being Member-Centric (Owner vs. Customer Distinction)

• Member is both a customer and an owner (customer uses services; owner participates in governance).
• Customer-centric:
  • Focus on sales, experience, and short-term engagement.
• Owner-centric:
  • Involves members in governance, strategic plans, and decision-making.
• Differentiated by offering surplus allocation, unique engagement models.

3. Value Creation for Core Members and Periphery

• Distribute financial benefits through:
  • Cash dividends
  • Premium reductions
  • Surplus allocations to high-value tiers
• Use predictive analytics and tiering to reward loyalty.
• Value creation drives growth and innovation.

4. Social and Economic Change

• Fundamental to brand and purpose.
• Social curator role: Serve local communities and underserved segments.
• Examples: Local sponsorships, partnerships with marginalized groups.
• Social KPIs:
  • % insured below poverty line
  • % minority insured
  • % insured at retirement age or older
  • Social investment ratio

Mutual Framework Areas of Focus

• Policyholder/member engagement
• Financial benefit
• Community orientation
• Value-added services
• Governance and funding structure
• Product and policy differentiation
• Portfolio strategy and innovation

Interim Conclusions and Areas of Future Focus

Key Insight: Mutual insurers differ from stock insurers in:

• Purpose-driven strategy over profit
• Owner-centric engagement model
• Value-based tiered distribution
• Local/regional social impact focus

(Analysis to be continued further in the report)

^(Report continues with maturity assessment and contact information for discussion points)^