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⑴ What are the platform applications of blockchain insurance in China

Blockchain technology has been applied to the art industry, legal industry, development industry, real estate industry and insurance industry.
Tongshe Huzhu is currently the first online mutual aid platform in China that applies blockchain technology. Based on the traditional mutual aid platform, with the help of blockchain technology, it realizes decentralized information sharing, innovatively achieves comprehensive and transparent operations, and provides Volkswagen builds a fair, just, open, safe and efficient open mutual aid information service platform.

It may be applied to more industries in the future.

⑵ What are the practical applications of blockchain technology

1. Financial field

Blockchain is used in international exchange, letters of credit, stock rights registration and Financial fields such as stock exchanges have potentially huge application value.

2. Internet of Things and Logistics Fields

Blockchain can also be naturally combined in the Internet of Things and logistics fields.

Through blockchain, logistics costs can be reduced, the production and delivery process of items can be traced, and the efficiency of supply chain management can be improved.

3. Public service fields

Blockchain is closely related to people’s production and life in public management, energy, transportation and other fields, but the centralization of these fields Characteristics also bring some problems, which can be transformed using blockchain.

4. Digital copyright field

Through blockchain technology, works can be authenticated, prove the existence of text, video, audio and other works, and ensure the authenticity and uniqueness of ownership. sex.

5. Insurance field

In terms of insurance claims, insurance institutions are responsible for fund collection, investment, and claims settlement, and often have high management and operating costs. Through the application of smart contracts, there is no need for the policy holder to apply or the insurance company to approve it. As long as the claim settlement conditions are triggered, the insurance policy can automatically settle claims.

6. Public Welfare Field

The data stored on the blockchain is highly reliable and cannot be tampered with, so it is naturally suitable for social welfare scenarios.

⑶ What fields are blockchain suitable for?

The first one is the information security industry.
The second one is the bill business field
The third one is the payment and settlement business.
Fourth, identity/account authentication business.
Fifth, each node participating in the maintenance of the equity proof blockchain can obtain a complete data record. Using the characteristics of reliable and collective maintenance of the blockchain, the rights of the owners of equity can be confirmed.
Blockchain technology is really powerful. With the advancement of the times, this technology may change the development direction and trend of the financial industry, and because the blockchain technology itself has large capacity, high-speed computing, security, and convenience And other characteristics have laid a strong foundation for the advancement and popularization of technology.

⑷ Application of blockchain in insurance companies

Although the application of blockchain technology in the insurance industry is mostly in the technical verification stage,However, the rapid development of application scenarios already indicates that this technology will have a transformative impact on the insurance industry. Some IT giants such as Microsoft, IBM, Oracle, Alibaba, Tencent, etc. have begun to deploy in the field of blockchain, and some have even launched products or services based on blockchain technology.
According to the "In-depth Analysis Report on Business Model Innovation and Investment Opportunities in China's Blockchain Industry" by the Qianzhan Industry Research Institute, the current application of blockchain in the domestic and foreign insurance industry mainly includes the following categories: The first category is the use area Blockchain technology can complete insurance contracts in accordance with established rules when a certain condition is triggered when data is scattered at multiple points, such as flight delay insurance, unemployment insurance, etc.; the second category is in the field of reinsurance and co-insurance. In the transaction matching and settlement of mutual insurance business, blockchain is used to enhance the efficiency and transparency of transactions and settlements; the third category is used to track the production/growth process of commodities, using the traceability characteristics of blockchain for tracking The farming process of agricultural products or the production and circulation of valuables.
In the long run, the application of blockchain in the insurance industry has broad development prospects and numerous business convergence points, and is very likely to bring about revolutionary and disruptive changes.

Extended reading: [Insurance] How to buy, which one is better, and step-by-step instructions to help you avoid these "pitfalls" of insurance

⑸ Alipay launches mutual insurance blockchain technology to test the insurance industry

Recently, Alipay has launched “Mutual Insurance”. This insurance product is mainly aimed at Ant members. It is understood that as long as the user’s sesame score reaches 650 or above, it can be used. For specific use, users need to take photos and upload relevant vouchers to mutual insurance. The guarantee committee will publicize the certificate on the premise of protecting user privacy. If there is no objection to the publicity, the guarantee fund will be obtained.

This insurance is jointly launched by Alipay’s Ant Insurance and Xinmei Life Mutual Insurance Co., Ltd. Xinmei Life Mutual Insurance Co., Ltd. is the first company in China to have a mutual insurance license. The company is supervised by the China Insurance Regulatory Commission.

Compared with traditional insurance, the biggest feature of mutual insurance is the introduction of blockchain technology, which ensures the fairness and safety of the product. It is understood that the entire insurance compensation process is conducted through blockchain technology under the witness of judicial appraisal centers, electronic certificate centers, courts and other relevant institutions, ensuring that the information cannot be tampered with. The introduction of blockchain makes the operation of mutual insurance more professional. ization and legalization. In addition to using advanced technology, Mutual Insurance also retains the risk control measures of traditional insurance business, such as setting waiting periods and manually reviewing the authenticity of user information.

In addition, mutual insurance compensation is mainly for major diseases, such as malignant tumors, cancer, leukemia, etc. Data shows that the proportion of people insured by health insurance in my country is currently low, and many people do not pay enough attention to health insurance. The threshold for participation in mutual insurance is low, and users can participate directly through their mobile phones. At the same time, relying on Alipay's large user group, health insurance can be promoted The importance of insurance and improve users’ awareness of insurance participation.

Mutual insurance does not involve shareholders, and throughImproving service systems through Internet technology is of great significance to protecting users' health rights and promoting the development of a healthy society.

⑹ An important entry point for insurance application blockchain is

An important entry point for insurance application blockchain is the use of encryption technology by blockchain. A modern insurance system must have a sufficient number of risk individuals and a collection of insurance funds so that risks and losses can be effectively dispersed. In the operation of insurance, the core appeal is to realize and coordinate the collection of individuals, reach a collective consensus, and manage insurance funds fairly and fairly. Blockchain also has significant social characteristics. Its important premise is the consensus of the entire network, that is, the collective consensus of all participants. At the same time, decentralization makes this sociality not dependent on a tangible center, but realized through distributed technology. Self and democratic management. Blockchain uses encryption technology to build a credit system based on computing. This kind of trust is more objective, independent and credible.