火险保险产品细分市场策略的实施

Elida Mahriani, H. Hendrianto, Nurlaili Arista
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引用次数: 0

摘要

保险公司向公众提供的火灾保险产品是为火灾造成的财产损失提供保护和保证。细分模型营销策略包括适用于市场火灾保险产品的优势营销策略。具有或高或低的财产火灾风险的人是目标市场。在这种细分模式营销策略的应用中,虽然在营销产品上取得了成效和成功,但由于公众对财产火灾保险的认识不足,导致保险产品没有达到显著的销售目标。该公司的营销策略采用直接渠道和间接渠道营销策略,其中直接渠道营销是通过代理商、员工或其他员工进行的,间接渠道营销是通过经纪人或经纪服务进行的。由于所销售的产品不同,营销策略也不同。火险营销采用三种细分模式,第一种是一般企业细分,目标人群是商场、银行等大众。第二,特殊的企业细分,其目标是在政府方面,如DPRD建设。第三是零售细分,目标是个人,如住宅。从这三个细分市场来看,火灾保险产品是公众感兴趣的,也有很好的销售率。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
Implementasi Strategi Pemasaran Model Segmentassi Terhadap Produk Asuransi Kebakaran
The presence of fire insurance products offered by insurance companies to the public is to provide protection and guarantee for loss or damage to property caused by fire. The segmenting model marketing strategy includes the dominant marketing strategy applied to market fire insurance products. People who have a low or high level of property fire risk are the target market. In the application of this segmenting model marketing strategy, although it has been effective and successful in marketing products, there are still obstacles that result in insurance products not reaching significant sales targets due to the lack of public awareness of their property fire insurance. The marketing strategy in this company uses direct channel and indirect channel marketing strategies, where Direct channel marketing is carried out by agents, staff or other employees and indirect channel marketing is carried out by broker or brokerage services. Because the products marketed are different, the marketing strategies are different. Fire insurance marketing uses three segmenting models, namely the first is general corporate segmentation where the target is in terms of the public such as malls and banks. second, special corporate segmentation where the target is in terms of government such as the DPRD building. And the third is retail segmentation where the target is in terms of individuals such as residential houses.  From these three segments, fire insurance products are of interest to the public and also have a good sales rate.
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