美国代写论文-差旅保险公司

Medibank差旅保险公司可以考虑根据客户的不同年龄段划分产品。不同年龄段的人往往会在旅游保险合同中设定一系列包含各种内容和事实的方向。作为一个重要的例子，对于年长的游客，保险的内容应该包括与紧急情况和事故有关的医疗索赔。另一方面，由于这个年龄段的人往往比较粗心大意，公司必须考虑扩大针对青少年丢失或被盗物品的保险范围。未来，Medibank公司可以考虑与其他旅游机构合作，建立针对体育活动的个人安全专项保险。此外，为了考虑到旅行目的的多样化，本组织必须考虑将每一个旅行者按照其旅行目的加以划分，不论是为了旅游目的还是为了商业目的。这不仅将扩大Medibank的目标市场，也将有助于增加Medibank盈利的机会。接下来有关美国代写论文-差旅保险公司的论文范文供留学生阅读。

There are several stakeholders affected by the decision of pricing and these will have to be considered in the strategy of pricing. Being in an industry driven by risk, actuaries were crucial in the traditional decisions of pricing. However, there is a control of several other parties as well. The team of channel management, within closer proximity of brokers and agents that have direct interaction with the customers, also has some stake in the process of pricing as well. Also, having direct implications with the bottom line of the company, there is huge consideration of finance. Finally, the team of senior management also has key involvement in the strategic decisions of pricing. Therefore, effective collaboration is of huge significance to keep each and every stakeholder in alignment, while ensuring that decisions of pricing reflect a consensus of cross functionality. With a compressed cycle of development to market pricing, the Medibankwill gain the ability of staying ahead in the company, while quickly responding to the changing dynamics of the market. Automating the execution of price will be enabling the Medibank for the acceleration of step, in order to move prices from the phase of development to the field and through testing (Lam 2014). Wherever the possibility lies, it is moving to optimize real time pricing further results in the empowerment of the insurer, for reaching maximum responsiveness and agility by the constant incorporation of market input within their decisions of pricing. Further ahead, for gaining competitive edge in the industry, Medibank will have to consider using the optimization of price. And pricing of insurance product is considerably more in comparison with just the process of rating. This also involves the use of tools like predictive analytical models, analysis of impact, and simulation of what-if scenario for increasing the accuracy of rating and improving the profits. The following components are essential for implementing the optimization of price (Leggat & Leggat 2002):
Landscape of competition: Optimization of price involves the crucial need to thoroughly understand the competition, buying preferences of customer, data of customer, and strategies of industry pricing.
Analytics processing: The recently available tools of analytics such as tools of dashboard assist Medibank for obtaining a better understanding and evaluation of crucial elements of risk.
Management of data: The quality perceived in data, specifically related to claims, customer, and historic policy, in combination with external availability of big data can be considered as the key for utilizing the optimization of price.
Predictive modelling: Medibank should use analytical tools for the creation of impact analysis and what- if scenarios in the prediction of future behaviour and improvement of underwriting performance.

Place and Distribution
The company has a number of options for using them as channels of distribution and place. Some of these include direct marketing, online portals via internet, banc assurance, insurance brokers, Trade Specific Agents, and insurance agents. Currently, the company involves a number of insurance agents and trade specific agents, while following direct marketing and enabling the use of online portals. Apart from individual portals of the company, the company can consider the use of independent portals. These clearly do not have an involvement of any functions of sales distribution, and need not make registration with the ARB of the GIA. Passive portals do not have an involvement in any functions of sales distribution that are as follows (Lovelock et al. 2014):
They do not tend to be providing advice on product or sale, but there is provision of static information of the product related to the respective insurers, without commenting upon features of product that include premiums not being deemed for the provision of advice on the product.
They do not have involvement in collecting proposals and premiums.
They do not consider issuing documents of policy in favour of the insurers.
The key base of setting fees should not be the premiums.
The insurer can further consider establishing and using personal lines of direct marketing for the different coverages. This will ensure that information about the insurance package is considered, and hence there will be online availability of insurance policy wording and insurance product quotations.

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