|Developers:||AlphaInsurance of SG, RedMadRobot|
|Date of the premiere of the system:||2015/10/23|
|Last Release Date:||2019/01/24|
2019: 3.5 million Russians became owners of a personal account in mobile application
On January 24, 2019 the AlphaInsurance company reported that 3.5 million Russians became owners of a personal account in mobile application "AlphaInsurance of Mobile" or on the website alfastrah.ru by the beginning of 2019.
The personal account and mobile application not only allow clients to purchase insurance products online, but also to see the status of settlement of a loss and also to prolong the policy at which validity period comes to an end. In "AlphaInsurance of Mobile" it is possible to settle far off insured events on a comprehensive insurance, the CMTPL and passengers insurance without visit of office of the company. At a run delay payment happens instantly. Owners of policies of voluntary medical insurance can register in acceptance to the specialist or call the doctor on the house. The application is equipped with special function of an emergency communication: having clicked in emergency "SOS", the client where it was, will get access to the necessary specialist.
| ||Our company constantly works on improvement and expansion of services which allow clients to be in time more and save time. These options change our life, do it more convenient and cheaper. For this reason the number of users of online services AlphaInsurance continues to grow.|
Anton Kosachev, director of the department of e-commerce AlphaInsurance
7.85 million clients purchased policies AlphaInsurance in the online channel
On February 11, 2019 the AlphaInsurance company reported that in 2018 7.85 million clients purchased policies AlphaInsurance in the online channel (on the website of the company, through mobile application and through partners) that made 65.1% of their total quantity in 2017 (12.05 million).
According to the company, clients can purchase all range of products online: EOSAGO, economical products on a comprehensive insurance, accident policies, including the product "Children and Sport", insurance going abroad, passengers insurance, products of voluntary medical insurance, including protection against oncological diseases and a sting of a tick, proprietary insurance, responsibility to neighbors, special programs for tourists, travelers abroad and across Russia. For legal entities online well, including, liability insurance of tenants of a commercial real estate and cargo insurance for the period of transportation.
At the same time policies EOSAGO purchased 2.83 million clients (36%), policies of VZR – 0.43 million (5.5%), an insurance from accident – 0.2 million clients (2.5%).
AlphaInsurance fast payment of Android and Apple Pay, service of preserving of fellow travelers and their fast autocompletion, scanning of documents, autocompletions and prolongations of policies on vehicles which are already insured in the company is available to clients.
| ||Purchase of policies online helps clients to save time and money, at the same time to receive the high level of service and settlement of losses.|| |
1.6 million documents for automatic filling of data EOSAGO
On December 26, 2018 the AlphaInsurance company reported that users "AlphaInsurance of Mobile" and online services AlphaInsurance in 2018 loaded into a system 1.6 million documents for automatic filling of policies EOSAGO given upon purchase.
That upon purchase EOSAGO data were autocompleted, it is necessary to photograph documents, and the technological solution Smart IDReader will enter data in the corresponding fields on the website of the company or in mobile application "AlphaInsurance of Mobile".
| ||The set of the documents loaded by clients speaks about great popularity of this service, it helps to avoid errors and considerably saves time. Client data – one of the most high-critical resources for our company. Therefore we pay special attention to questions of their safety. Both technical solutions, and organizational measures are directed to it. Besides, processing of client data gets under state regulation. We observe requirements of regulators and we undergo regular compliance audits by it.|
Anton Kosachev, director of the department of e-commerce AlphaInsurance
Start of a chat
On December 21, 2018 the AlphaInsurance company announced start of a chat in mobile application for clients. According to the company, can use a chat and contact thus specialists of department of maintenance online of clients as registered, not authorized users. Also from mobile application it is possible to call the employee and to receive answers to the interesting questions of the application. Besides, employees of department process by e-mail of a customer appeal from a personal account and from different forms of requests from the website of alfastrah.ru insurance company.
| ||For December, 2018 to our department of maintenance online of clients only 1.5 months. Our task – to provide to clients service of the high level. The department works round the clock.|
Olga Verevkina, head of AlphaInsurance customer support
Settlement of 2.6 thousand losses according to the CMTPL
According to AlphaInsurance company, since launch of mobile application "AlphaInsurance of Mobile" in December, 2017, the company settled through it 2.6 thousand losses according to the CMTPL. From them a half fell on losses according to the European Accident Statement. But if in February the share of the losses according to the CMTPL stated through mobile application and issued according to the European Accident Statement made 47%, in March — 54%, in April — 47%, in May — 43%, and in June — 57%, then in July it reached already 63%, reported on July 17, 2018 in AlphaInsurance. At the same time, for last half a year in offline through the European Accident Statement in the company 41% of all losses according to the CMTPL were issued.
AlphaInsurance will settle the losses stated through "AlphaInsurance of Mobile" by the direction of the car on repair. The direction is sent on STOA at once, and the client receives the SMS notification on its readiness. The term of consideration of such losses is only one working day.
| ||The simplified procedure of a design of road accident allows participants to save the time and not to create a noise on the road to other drivers — Alexander Haragezov, the director of the department of insurance payments of AlphaInsurance company noted. — Use of mobile application gives the chance not to come to office of insurance company, having minimized not only temporary, but also monetary costs.|| |
The European Accident Statement is the simplified procedure of a design of accident which is not requiring presence of the traffic police officer and allowing to minimize time spent on site by road accident after collision. It is possible to use it when only two cars participated in road accident, both owners have the CMTPL, there are no victims, the damage is caused only to cars of participants of road accident, and circumstances of road accident, character and the list of visible damages of vehicles do not cause disagreements of participants of the road accident.
Availability to clients AlphaInsurance Life
Now all holders of policies AlphaInsurance Life can use the AlphaInsurance of Mobile application. In the application the client can find the main information on the insurance contract, and together with a personal account to keep track of profitability, to pay due installment, to receive payment upon termination of the insurance contract, without leaving the house and also access to other services of AlphaInsurance Life company.
| ||We consider that the client should have an opportunity not only monitor work of the money as method, convenient for it, but also have an opportunity quickly to manage them. Mobile application "AlphaInsurance of Mobile" is one of the most available points of entry for our clients. It is important to note that we are not going to be satisfied with what has already been achieved. Automation of services of an after-sale service is one of our key tasks — Yury Gruzinov, the deputy CEO said AlphaInsurance Life.|| |
"The AlphaInsurance of Mobile" is free of charge available in App Store and Google Play to mobile devices running iOS and Android. According to AlphaInsurance, since launch it was set by more than 500 thousand times, the number of active users exceeds 70 thousand human.
Settlement of 1.8 thousand losses on a comprehensive insurance
Mobile application AlphaInsurance allows to settle far off insured events on a comprehensive insurance without visit of office of the company. It is enough to client to select the policy of a comprehensive insurance from the list, to fill an application form about a loss and to send a photo of damages (not necessarily from the place of accident). The request is instantly submitted specialists of insurance company. After that the client will receive the push-notification with number of a loss, and representatives of insurance company will call to approve service station for repair of a car. The address STOA and write time will be also sent to the user of the application by the push-notification. The client can keep track of the status according to the address in real time.
| ||AlphaInsurance of the first of the Russian insurance companies offered the clients settlement of losses and the IP telephony in mobile application. The number of users "AlphaInsurance of Mobile" grows monthly, also the number of the addresses settled online through the application increases — Anton Kosachev, the associate director of department of e-commerce told AlphaInsurance. — Earlier clients were afraid to buy insurance policies in network, preferring to come to office. Online was required to service of settlement of losses in a comprehensive insurance some time too to gain customer confidence.|| |
According to the company, since launch of mobile application "the AlphaInsurance of Mobile" it was set by more than 320 thousand times. The number of active users of the application in October, 2017 was 52.4 thousand people.
The number of users exceeded 320 thousand
Since launch of mobile application "the AlphaInsurance of Mobile" it was set by more than 320 thousand times, reported at the end of November, 2017 in AlphaInsurance company. The number of active users of the application in October, 2017 was 52.4 thousand people.
Using mobile application clients can prolong policies, settle losses online via the smartphone without visit of office of the company and use the IP telephony for free calls to insurance specialists from abroad. A loss on a comprehensive insurance from January till October, 2017 clients said already 1.4 thousand times and 34.6 thousand times called through the application. On average through the application about 12 losses in day are declared, and this digit grows.
Functions of an emergency communication of "SOS" (268.3 thousand clicking) and signing up to the specialist in clinic (39.3 thousand uses) remain the most popular options "AlphaInsurance of Mobile". If in January, 2017 owners of policies of voluntary medical insurance registered in appointment of 2.4 thousand times, then in October already of nearly 6 thousand times — the number of uses of this option grows every month.
Besides, through the application for the specified period clients of AlphaInsurance of 308 times said a loss according to policies of assurance of passengers and 24.3 thousand times seized the opportunity to study instructions to policies.
2016: Mobile application "the AlphaInsurance of Mobile" stepped over a boundary of 100 thousand users
Pa of 11 months from start of mobile application "AlphaInsurance of Mobile" downloaded it more than 106,808 clients AlphaInsurance.
In 2015 AlphaInsurance of the first of the Russian insurance companies offered clients settlement of losses and the IP telephony in mobile application "AlphaInsurance of Mobile". All information on the policies purchased by the client – a comprehensive insurance and the CMTPL, property and VHI, the insurance which is going abroad and passengers – remains in a personal account of insured.
For the end of August, 2016 number of active users "the AlphaInsurance of Mobile" exceeded 69 thousand human. From them more than 65% use the application regularly.
"For clients mobile application is the tool which helps to cope with emergency situations and in general facilitates work with all insurance products. The big percent of the users returning of a month by a month demonstrates that the application is really convenient and demanded, - Alexander Prokopchuk, the director of the department of e-commerce tells AlphaInsurance.
What does success of the application consist in? It not only allows to settle far off insured events on a comprehensive insurance and passengers insurance without visit of office of the company. For example, the client can declare a loss and in real time keep track of the status according to the address, prolong the policy at which validity period comes to an end. The application also has a special function of an emergency communication – having clicked in emergency "SOS", the client in what place in the world it would not be at present, will receive an operative communication with the necessary specialist. More than 33% of total number of the clients of the company who installed the application used this function.
With the help "AlphaInsurance of Mobile" owners of policies of voluntary medical insurance can register in acceptance to the doctor or call the doctor on the house. Already more than 13 thousand clients with policies of VHI of the company became users "AlphaInsurance of Mobile", and to the doctor using the application more than 5 thousand used service of record human.
Unfortunately, an opportunity to study conditions and rules of insurance through mobile application was much less demanded – only 2.97% of users used it.
"We continue to expand functionality of the application and already with its help simplified logistics for clients of medical network ALPHA — the Center of Health. At visit of clinic of ALPHA — the Center of Health network in mobile application the client will have notifications reporting a way to the necessary doctor, the appointed procedures, they will also tell about available to it in this clinic actions and discounts", - Alexander Prokopchuk added.
2015: The AlphaInsurance of Mobile is mobile application for clients of AlphaInsurance insurance company
The AlphaInsurance of Mobile gives the chance to pass a full stroke of settlement on a comprehensive insurance and the policy of assurance of passengers without visit of office of the company. The user can send the statement with the description of damages, pictures from the place of accident and photos of references directly through mobile application. The request is submitted specialists of insurance company. After that the status of settlement can be kept track in a personal account.
Screenshot of application (2014)
The application has the button of the help of "SOS". It is possible to use it worldwide. By its clicking, the client will be connected to the necessary specialist who will help with solution. The application will automatically determine the client's coordinates.
The VoIP technology integrated into the application allows to talk free of charge from abroad in the presence of connection to Wi-Fi. An emergency call it is possible to create applications from the main screen, the button is available also in not authorized mode. In the application there is a list of actions which need to be made at a loss occurrence.
With the help AlphaInsurance of Mobile management of insurance policies for clients will become much more convenient and simpler. All purchased policies: a comprehensive insurance, HOSAGO (Obligatory civil liability insurance)|the CMTPL]], VHI, insurance which are going abroad of passengers, property will be stored in a personal account of insured. Exactly here the client will be able to manage them: declare a loss, in real time to keep track of the status on a loss on insurance of a car and prolong the policy at which validity period comes to an end.
"We always aim to ask interaction of the client with the company, to make it the most convenient, transparent and clear for it. Application launch — an important event for our company. We begin to develop absolutely new format of providing service which will create high value added for insurers, to increase their involvement and loyalty to the company. The AlphaInsurance of Mobile is a product which represents our approach to customer interaction — "Service of the future in the present". The company provides to the clients that service quality which they will only expect from us in the long term — Tatyana Puchkova, the deputy CEO noted AlphaInsurance. — We aimed to create this assistant for our clients — the application which they will constantly use, to feel our care. I hope that the audience will appreciate result of works of our big command".