Programs and performance of cooperative insurance managers
According to the financial news report According to the public relations of Cooperative Insurance, Mohammad Hossein Yousefi, head of life insurance management of this company, announced in a conversation: “In Cooperative Insurance Life Insurance, the most complete and comprehensive insurance policy will be provided in the country and features such as exemptions, pension payments, Accident insurance coverage, supplementary insurance, etc. are included in this insurance policy.
He also believes that the reason for not using life insurance is people’s ignorance of its benefits and he believes: “One of the reasons why life insurance has not grown is that parallel markets such as gold, currency and construction are active, while in other countries these It is not active and people prefer to buy life insurance, and the most important thing is that many people in our country do not know about life insurance and it is a national task to introduce life insurance to the people, and if life insurance is activated, it will also contribute to the public budget of the government. It helps and reduces the government’s obligations to pension funds. “Life insurance is for lifetime, not just for after death.”
In this regard, Yousefi explained: “The order of the CEO is to focus more on small insurances with an emphasis on life insurances, and based on this, we made policies for this action and we are trying to make all the branches Let’s direct it towards life insurance”.
The head of Cooperative Insurance Life Insurance also stated: “Currently, Rasht, Ahvaz, Tabriz and Isfahan branches are doing better in this field, and we are considering to create areas for transferring the experiences of these branches to other branches as well.”
Yousefi continued: “Another desirable action carried out by this unit was the recruitment of representatives with potential who showed significant activity in the InsureTalk competition and were used to develop the sales network.”
Achieving goals despite challenges
Assal Ashtari, head of liability and engineering insurances, also pointed out the necessity of supporting insurances that are less noticed and stated: “Today, economic growth and social progress are not possible without paying attention to the main sectors of society, including labor and capital; In between, handicrafts have a significant role, because this art-industry is considered a source of household income in many cases and seeks to preserve local culture and authenticity.
Emphasizing that the insurance industry can play an important role in reducing the risk of the tourism and handicraft industry, he said: “In the insurance industry, efficient arrangements for industries such as tourism and handicrafts have not been considered and there is a lot of work to be done.”
Ashtari went on to say that the reason for the non-development of these fields was “the state of the insurance system” and said: “Also, due to economic conditions, many projects have been stopped and as a result, the possibility of activity in this field has been limited.”
The head of liability insurance and engineering of Cooperative Insurance added: “It should be mentioned that the branches of Tabriz, Mashhad, Kermanshah, Rasht and Shiraz have performed very well, but it must be acknowledged that we are witnessing significant activity in the field of liability in all branches. ».
Strengthening retail sales in the medical field
Roza Saeedi, head of medical insurance at Cooperative Insurance, emphasized that in order to promote the sale of medical insurance, “strengthening retail sales is more desirable” and stated: “In general, it is not expedient to enter the medical market at any price. Because we don’t want to lose and we prefer to provide better services to people.
He added: “We are a commercial insurance company and as a commercial insurance company we must seek profitability; When it comes to treatment, we have to go to social insurance. Their role should be more colorful. In my opinion, in the long term, we should look for a universal supplementary insurance, and the commercial insurance company should be considered as a third insurance company and as a comprehensive insurance company.
Cultivation for better sales
Hasan Puraskandari, director of fire insurances of Cooperative Insurance, explained in the conversation: “Given the need to create culture as much as possible for the general public to benefit from insurance services and also to strengthen insurance coverage in the event of accidents, In addition to expanding the sales network, we have also worked to increase sales in the field of residential, non-industrial, warehouse and industrial fires and to increase the motivation of branches, representatives and brokers.
Forward to international activity
Soheila Sharfi, the director of cargo, ship and aircraft insurance of Cooperative Insurance, also stated: “The response to customers and the principle of customer satisfaction are among the factors that not only led to the improvement of the Cooperative Insurance brand, but also accompanied the insurance industry on the path of excellence. and also provides grounds for international growth”.
He further stated: “On this basis, in the field of cargo, our view is to upgrade our activities from national to transnational level so that the foreign customers of Cooperative Insurance will also see this company as a well-known and professional insurance operator in providing know the service”.
Digital transformation in all insurance processes
Mustafa Zahti Pak, the director of car insurances of this company, as another manager who spoke to this conversation, said: “Providing online services in all processes, whether issuing insurance policies or paying damages, is positive and this action will bring satisfaction to customers.”
He also referred to the unit under his management and the digitization of services to inquire and pay compensation to the victims of traffic accidents and said, “The most basic action in this regard is to conduct the initial visit in person and online, and the insurer, the images of the car Send yourself to the insurance company; In fact, it may not be possible for us to be able to offer insurance services completely online and to reduce the number of violations and staging that is done in this field to zero, but by providing the necessary infrastructure, we can reduce the number of violations and Moved to online services.
The director of car insurances of Cooperative Insurance further stated: “Cooperative Insurance has made significant progress in the field of issuing and selling digital insurance policies. Cooperative Insurance is one of the first companies that started cooperation with start-ups and was able to exploit the space well. In my opinion, cooperative insurance has experienced a win-win process in the field of issuing insurance policies and paying digital damages.