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市場調查報告書

保單管理BPO的趨勢及策略

Trends and Strategies in Policy Administration BPO (Strategic Focus)

出版商 Datamonitor
出版日期 2008年05月 商品編碼 67223
內容資訊 英文 26 pages
價格
本報告書已不再販售

本報告已在2011年07月19日停止出版。

簡介

目前面臨激烈競爭環境,必須提高競爭力的保險公司除了希望能透過改善傳統的保單管理流程加快商品開發的腳步外,還努力降低成本。其中,做為改善保單管理流程的策略之一備受矚目的就是保單管理業務的商業流程委外(BPO)。

本報告書內容包括:從供應企業及保險公司雙方觀點分析保單管理BPO市場的結果、以美國及歐洲市場為主的保單管理BPO利用現況及未來展望、各BPO供應企業的策略分析、針對各方面的建議等。內容綱要摘記如下:

概要

  • 發展因素
  • 摘要

關鍵訊息

  • 促進保單管理BPO普及的主要因素是降低成本及重視核心業務
  • 利用有彈性的保單管理流程可以確保商品開發快速化及其成長力
  • 以改善業務為目的的業務委外的重要性
  • 平台功能成為BPO提供業者確保利益的重要手段
  • 協助BPO提供業者有效降低銷售成本及風險的平衡組合基金

市場商機:精簡化及高度彈性是21世紀企業的必要條件

  • 競爭激烈化當中突顯降低成本的重要性
  • 成熟化的美國市場及歐洲市場中新產品及新市場的必要性
  • 法規限制複雜化及多樣化使得高度彈性的保單管理系統更為必要
  • 大型保險公司或中小型保險公司都注重保單管理BPO
  • 阻礙保單管理BPO真正全面普及的各種因素

保單管理BPO的發展

  • BTO:新水準的BPO
  • 過去的發展狀況:在英國BPO會發展的理由

對顧客的影響

  • 降低成本及提高彈性
  • 保險公司可以致力於發展核心業務
  • 提高對特定銷售企業依存度的保險公司
  • 顧客及代理店的關係有可能減弱

商品開發

  • 利用平衡組合基金降低銷售費用及市場風險
  • 平台功能成為BPO提供業者確保利益的重要手段
  • 建構提供國際性服務的網路可以解除保險公司的不安
  • 建議
    • 利用管理帳簿用的平衡組合基金
    • 利用因應人壽保險及非人壽保險保單的平衡組合基金
    • 開發/利用/強化平台IP
    • 建構提供國際性服務的網路

附錄

  • 調查方法
  • 相關資料
  • Datamonitor的諮詢服務

圖表

目錄

Overview

Introduction

To be competitive, insurers need to transform their legacy policy administration process so that they can get to market quicker and lower their costs. One strategy for addressing these issues is business process outsourcing (BPO) of the policy administration function.

Scope

  • This report looks at policy administration BPO from the perspective of both the provider and the insurer.
  • The report covers both life and non-life policy administration.
  • The report is globally orientated but speaks a great deal to the US and European market.

Report Highlights

  • Insurers must match innovation and expansion with a policy administration platform that can cost-effectively improve time-to-market. Old, rigid systems do not suffice, highlighting the potential value of working with an outsourcer.

The increasingly competitive marketplace along with the long-term deterioration of wage arbitrage elevates the importance of business transformation outsourcing (BTO).

Only 4% of insurers with fewer than 1,000 employees currently outsource their policy administration; however, 22% are considering it.

Reasons to Purchase

  • Gain an understanding of the current market adoption for policy administration BPO, and explore how it could likely change.
  • Explore different strategies that BPO providers are taking.
  • Overview
    • Catalyst
    • Summary
  • Key Messages
    • Reducing costs and concentrating on core functions is driving policy administration BPO
    • A flexible policy administration process can improve time-to-market and enable growth
    • Transformative outsourcing will become increasingly important
    • Platform utility is an increasingly important way for BPO providers to protect margins
    • A balanced portfolio can afford BPO providers lower costof sales and fewer market risks
  • Table of Contents
  • Table of figures
  • Market Opportunity: Lean and Flexible - 21st Century Requirements
    • Increased competition highlights the importance of cost reduction
    • Maturing markets in the US and Europe drive the need for new products and new markets
    • Complex and disparate regulations call for a flexible policy administration system
    • Small and large insurers alike are interested in policy administration BPO
    • Full-scale market adoption has been hindered by real as well as unfounded concerns
  • Policy Administration BPO Evolution
    • BTO: Taking BPO to the next level
    • Historical evolution: Why the UK is a BPO hotbed
  • Customer Impact
    • Reducing cost and increasing flexibility
    • Enabling insurers to concentrate on core competencies
    • Making insurers over-dependent on one vendor
    • Potentially diminishing the customer and/or agent relationship
  • Go to Market
    • A balanced portfolio lowers cost of sales and mitigates market risk
    • Platform utility will become an increasingly important way for providers to protect margins
    • A global delivery network can help alleviate some fears among insurers
    • Recommendations
      • Gain a balanced portfolio of open and closed books
      • Gain a balanced portfolio of life and non-life policies
      • Develop / acquire / enhance platform IP
      • Build a global delivery network
  • APPENDIX
    • Methodology
    • Further reading
    • Ask the analyst
    • Data monitor consulting
    • Disclaimer
  • List of Figures
    • Figure 1: Per capita premiums
    • Figure 2: Premium volume of US, UK Japan, BRIC and emerging markets (2002-2006)
    • Figure 3: Business drivers for retooling the policy administration function
    • Figure 4: Current and planned policy administration outsourcing
    • Figure 5: Current and planned BPO adoption rates by function
    • Figure 6: Levels of policy administration BPO
    • Figure 7: Current and planned policy administration BPO in UK, North America and Europe
    • Figure 8: Benefits / risks balance for policy administration BPO
    • Figure 9: Balanced portfolio of open and closed books
    • Figure 10: Delivery center country destinations, ranked 1-4 (4 being best)
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