互联网信息技术的迅猛发展推动了消费者预期与行为的改变,同时也对保险行业带来了重塑。从互联网与保险的融合历程来看,互联网与保险的结合初期以渠道为切入点,逐步发展到产品设计、流程优化、营销创新等环节,现在开始延伸到联合服务提供完整生态链条。根据国外保险行业与互联网的结合模式, The rapid development of Internet information technology has promoted the change of consumers’ expectation and behavior, at the same time, it has brought the remodeling to the insurance industry. From the Internet and insurance integration process point of view, the combination of the Internet and insurance early to channel as a starting point, and gradually developed to product design, process optimization, marketing innovation and other links, and now extends to the joint service to provide a complete ecological chain. According to the combination of foreign insurance industry and the Internet,