4. Our strategy rests on four solid pillars
and bank-insurance is one of them
4
5. What does it actually mean to be
an integrated bank-insurer?
Our mission:
We help our clients realise their dreams
and protect them.
5
6. Everything on mobile
Digitalization is now truly for everyone
New level in customer experience
We make every product and service
available to our clients’ mobile phones,
banking and insurance as well
6
8. property type
ZIP code
m2
Home insurance: simplification to make it fit for mobile
Pricing
in 3 clicks
basic, normal,
premium
packages
3 packages
to choose from
8
9. Bank-insurance mobile innovations as a driver
of competitive advantage for K&H in Hungary
9
Extreme simplification
No compromise on
underwriting criteria
Appreciated by clients
Home Travel MTPL
Inputs needed
to get a quote:
Type of home
Zip code
Size in m2
Type of travel
Start & end date
Number of travelers
Plate number
Bonus category
Start date
10. Share of direct within captive sales to grow
100% direct
100% direct
40%
25%
100% captive intermediary
100% captive intermediary
60% captive intermediary
75% captive intermediary
2019 2022
10
11. Next level: Integrated insurance products,
with only one click!
Problem:
E2E digital cash loan without
payment protection insurance (PPI)
Solution:
One simple screen added
Result:
Higher cross-sell ratio than in branches
11
PPI monthly
premium
Monthly loan
instalment incl.
PPI
Information about
coverages
Only one „yes”
click
12. Few clicks for the customer is only
the tip of the iceberg for us
Client-side simplification
is key
Internal simplification
is another story…
12
13. After sales services: online, in one place
Service center
Claim handling
Fee payment
Document
handling
14. Digi is perfect for the happy flow
We do not modify the
product, but simplify
the process
80% of cases are
covered
For the rest we offer
the personal channel
14
15. The million-dollar question: how far should we go with
digitalization? Where to keep personal sales?
Assisted sales is the bridge
between digital and personal sales
Helps educating clients
Counts in the sales persons’
scorecard
15
16. Summary
Bank-insurance instead of insurance
Bring products to mobile with extreme
simplification
Next steps: after care and claim handling
to mobile
First on the Hungarian
market!
16
