Coetzer Pieter
Sanlam.
J Insur Med. 2008;40(2):130-5.
Over the past 10 years, unique business imperatives in South Africa have led to innovative risk product design, some of which are still unfamiliar to the rest of the world. The main drivers are: the unique mix of first- and third-world societies in our country, and an energetic marketing force operating in an already highly saturated insurance market. As a result, new product design has become one of the most effective ways to grow new business volumes in this competitive environment. This article reviews some of the unique products available and their advantages, target markets and disadvantages. The products that are discussed include lump sum total and permanent disability benefits, extended critical illness products, cover for impairment of function as well as risk products for people living with HIV/AIDS.
在过去十年中，南非独特的商业需求催生了创新的风险产品设计，其中一些对世界其他地区来说仍不为人知。主要驱动因素包括：我国第一世界和第三世界社会的独特组合，以及在已经高度饱和的保险市场中运作的充满活力的营销力量。因此，在这种竞争环境下，新产品设计已成为增加新业务量的最有效方式之一。本文回顾了一些现有的独特产品及其优势、目标市场和劣势。所讨论的产品包括一次性全额和终身残疾福利、扩展的重大疾病产品、功能损害保险以及针对艾滋病毒/艾滋病患者的风险产品。
