Chapter 146 Elderly care institutions are coming in droves (5k 2-in-1 plus meals, please ask for a monthly pass)
"Zero deductibles, full core coverage, this is called protection!"
A man about 37 years old in a certain city saw the news that Metaverse Intelligent Control established Yuandun Intelligent Insurance, which made him no longer hesitate and decided to buy a small Yuan robot to take home.
He has wanted to buy one for a long time. The financial conditions of this man and the owner are similar, and he is not a high-net-worth group.
But it’s not completely unaffordable, it’s just that it’s a bit difficult to increase expenses by nearly 800,000 yuan all at once, and a loan of more than 100,000 yuan is needed.
The biggest reason why I have not placed an order so far is that the Xiaoyuan robot is not guaranteed.
Furthermore, he had inquired a long time ago that there is no commercial insurance supporting service for Xiaoyuan Robot on the market. There is no commercial insurance supporting service for something worth hundreds of thousands, which makes him afraid to buy it so far.
Because he was worried that if something went wrong or had an accident after buying it, he would not have the money to repair it.
When the money is spent and it is still unused, there will be no place to cry.
But this time when he saw the establishment of Yuandun Zhibao, the insurance content and terms far exceeded his expectations, he finally no longer hesitated.
Most of the commercial insurances on the market have a deductible mechanism. The deductible means that it is stipulated in the insurance contract that the insured needs to bear the amount or proportion of the loss himself before receiving compensation from the insurance company.
Yuandun Intelligent Insurance chooses zero deductible, that is, after the insured accident occurs, the insured does not need to bear any out-of-pocket expenses, and the insurance company will fully compensate the losses within the scope of liability.
In addition to zero deductibles, core comprehensive coverage is also critical. The important thing is that there are not so many twists and turns.
The second is the 72-hour speedy claim settlement. You no longer have to worry about arguing with the insurance company. The insurance terms clearly stipulate that as long as the responsibilities are clear and the loss is determined, the compensation will be paid directly within 72 hours.
"The annual premium of 10,000 yuan is not cheap, but it is not expensive either." The man said to himself: "The coverage and the speed of claim settlement are worth it!"
After a while, he changed into a going-out outfit and left his residence to go to a Metaverse Intelligent Control offline store in the city to place an order.
When the insurance terms of Xiaoyuan Robot were announced, consumers generally felt that the annual premium of 10,000 yuan was not expensive at all, because the core full coverage is the coverage promised by Yuandun Intelligent Insurance. Normally, the premium is no less than 20,000 yuan per year.
Coupled with other service terms, such as zero deductibles and speedy claim settlement, it only costs 10,000 yuan, which makes it extremely affordable.
Yuanjie Intelligent Control's operation has greatly increased customers' trust in the company's products and brand loyalty, and it is intuitively reflected in the obvious further increase in the sales of Xiaoyuan Robots in the following days.
With the establishment of Yuandun Intelligent Insurance, customers who have purchased Xiaoyuan Robots have received calls from Yuanjie Intelligent Control in the past few days. Customers were informed that the company's products have commercial insurance supporting services.
There is no hard sell, it is just to inform users whether they want to be insured or not. It is up to the users to decide. This is not compulsory insurance.
But without exception, all customers who have purchased Xiaoyuan robots have decided to purchase insurance, because no one can guarantee that there will be no accidents within 10 years, and the coverage is indeed worthwhile, so they can have no worries.
One week later.
Meng Qiuyan opened the door of the chairman's office, entered the room and looked at Lu An walking slowly, and said with a smile: "If I had known that the effect was so good, we should have established Yuandun Zhibao last year."
Hearing this, Lu An shook his head and said, "Only by doing the right thing at the right time can it be effective."
Last year, when Xiaoyuan Robot had just been launched, it would have been a bad time for Metaverse to enter the insurance business directly.
If nothing else, high-tech companies will definitely be criticized for not doing their business and cross-border commercial insurance. Several major insurance giants in the industry will also be unhappy. You have stretched your hand too far.
But today, half a year later, the right time, place and people are available. Yuandun Zhibao was established at this time. The timing is the best.
Meng Qiuyan sat down and said: "According to the sales department's report, in the last week after the establishment of Yuandun Zhibao, the weekly sales of Xiaoyuan Robots rose sharply to 6,131 units, an increase of 22% compared to the 5,025 units in the previous week."
She added: "According to last week's data, the new customer portraits include more middle-income and upper-middle-income families, indicating that the market audience is expanding."
· Obviously, this shows that the users of Xiaoyuan Robot are sinking, and some users who have not reached the high net worth threshold have also begun to purchase.
This situation is largely due to Yuandun Zhibao insuring Xiaoyuan Robot, and the insurance terms make customers very satisfied.
There was even a large number of netizens on the Internet asking Yuandun Intelligent Insurance to enter the field of automobile insurance, as well as other property and casualty insurance segments. Many insurance companies and friends were paying close attention to Yuandun Intelligent Insurance's trends.
It can be seen that the insurance services provided by Yuandun Zhibao are highly satisfied by the majority of consumers.
With all-round protection, many potential consumers who were waiting and watching no longer hesitated and began to place orders to purchase Xiaoyuan robots.
Meng Qiuyan quickly ignored this matter, looked at Lu An and said: "There is also good news. Recently, the company has received many phone inquiries and purchase intentions from mid-to-high-end nursing institutions. Tomorrow, an inspection team composed of several nursing institutions will come to Metaverse Intelligent Control for investigation."
Lu An nodded and said: "The elderly care institution business is no smaller than the market size of high-net-worth families, at least it is comparable."
Meng Qiuyan smiled and said: "It seems that Xiaoyuan's robot business is about to usher in a stronger growth point."
Metaverse Intelligent Control has completed a thorough market research on elderly care institutions. Data shows that the number of elderly people over 60 years old in China has exceeded 230 million, of which the number of disabled or semi-disabled elderly people has exceeded 42 million.
There are so many elderly people, but the elderly care institutions that are the main provider of elderly care services have long been faced with the embarrassment of a shortage of nursing workers.
Not only is there a shortage of professional caregivers, but also the manpower is tight to meet daily care needs.
Many nursing homes are facing a shortage of nursing workers. One nursing worker takes care of 7 elderly people. Even based on the ratio of 1:7, the gap of nursing workers needed by the 42 million semi-disabled or disabled elderly people alone is as huge as 6 million.
Specific to high-end institutions, due to high professionalization requirements and insufficient attractiveness of salary, the shortage of nursing staff is more acute than that of ordinary institutions, resulting in the dilemma of finding professional nursing staff at high prices.
Because many people, especially young people, do not want to join this industry, especially young people,
From 5 a.m. to 9 p.m., ward rounds are conducted every two hours at night, and they are on call almost 24 hours a day.
The labor intensity is high, social prejudice is heavy, and professional dignity is low.
The label of "taking care of others" can be said to be deeply ingrained, especially caring for the elderly with disabilities and dementia, which is regarded as "inferior" by many people.
Young people are not willing to work at all. Nowadays, many caregivers are rural women over 50 years old. Young people would rather do triathlons, run couriers, or run couriers.
They don’t want to get into the industry of delivering food or opening Didi.
My family doesn’t support it either, thinking it’s a shame to do this.
·The elderly suddenly die or fall, and the family members hold the responsibility while the institution shirks the responsibility. Caregivers are often the ones who take the blame.
Having worked in this industry for a long time will cause great psychological trauma. Because you have been facing aging, death, illness, etc. for a long time, you are prone to depression, insomnia, and even emotional breakdown. Every once in a while, you will see an old man go from being able to speak to being unable to move, and then to passing away. Not everyone can bear that feeling of powerlessness.
And there is almost no career development because the general promotion path is too narrow, from caregiver to nursing monitor to nursing director. The ceiling is extremely low. This series of industry pain points makes many people unwilling to enter this industry at all.
The emergence of the Xiaoyuan robot and its work functions are simply the answer to the current dilemma of finding nursing staff in elderly care institutions.
The impact of the large-scale use of robots in nursing homes on society is relatively minimal, because few people are willing to do the job of taking care of people and carrying toilets. You can just do it with robots.
Many people would even strongly agree that this kind of work should be done by robots.
The weekend of June 22nd.
At almost the same time, inspection groups from many well-known domestic senior care chain groups came to Jianing City to conduct research at Yuanjie Intelligent Control.
In order to receive these inspection groups today, Yuanjie Intelligent Control has set up a special exhibition hall at the company headquarters.
At this moment, Fu Chen, as the engineer and technical consultant of Xiaoyuan Robot, received several teams from major elderly care institutions that came to inspect, and answered questions for the inspection team.
In the dedicated exhibition hall, several demonstration scenes are being played on a huge screen.
"In order to better serve the scenario of elderly care institutions, we have added a caregiver mode to the software level of the Xiaoyuan robot." Fu Chen introduced to Zhou Minghua and other leaders of several inspection groups: "For example, it has the ability to accurately feed and prevent food monitoring."
Fu Chen introduced to everyone: "The coordination of the micro-pressure sensors integrated on the fingers of the Xiaoyuan robot nurse and the visual perception system can analyze the movements of swallowing muscles and throat vibrations in real time. Once an abnormality is detected, the feeding action will stop immediately." When the old man intends to get up, the robot caregiver will respond quickly. "
"When the old man sits up and his legs are suspended in the air, the robot's arms covered with temperature-sensitive materials have formed a stable support and can accurately sense even the slightest instability in the old man's center of gravity."
Members of the inspection team present could not help but nod their heads, and some were amazed at the capabilities of the Xiaoyuan robot.
「Night security patrols and emergency response are also key points——」
Fu Chen introduced with a smile, and then motioned to the inspection team and others to watch a demonstration.
On the screen, a robot caregiver is seen walking in the corridor. The head sensor emits an invisible low-energy beam for vital sign monitoring and sweeps across the room.
The dull sound of an object falling to the ground and the faint sound came from another room. The robot caregiver responded quickly and accurately identified the room where the sound came from. The access control system was linked to unlock. Access control requires agency authorization.
The robot caregiver quickly enters the room and simultaneously transmits alarms and real-time images to the duty center.
At the same time, the robot caregiver quickly assessed the condition of the fallen elderly man. Instead of moving rashly, it activated emergency communications and comforted the elderly man while waiting for professional medical care.
Zhou Minghua immediately said: "Professional, even more professional than the experienced nurses in the industry."
People from several inspection groups present whispered to each other, talked, and nodded repeatedly. They were quite satisfied with the professional nursing capabilities displayed by the Xiaoyuan robot nurse.
Not only is it more professional than humans, the most important thing is that the robot can really respond 24 hours a day, and it will not get tired or take advantage of the situation.
Moreover, there is no need to pay wages to the robots.
· The only daily expenses are electricity bills. Compared with other electrical equipment, Xiaoyuan robot consumes more electricity, but compared with wages, the electricity bill is nothing.
Another expense is to send it to Metaverse Intelligent Control’s authorized service center for annual inspection once a year, including the Xiaoyuan housekeeping service robot purchased by consumers.
The company recommends that the vehicle be inspected once every six months, and it is mandatory to submit it for inspection at least once a year. Otherwise, if there is a problem later, it will affect the insurance compensation.
Robotics also require regular "physical examinations" to ensure normal use, normal operation of various functions, and elimination of potential hidden faults.
Because the product is targeted at people, especially the elderly and children who need care at home.
Users need to pay a "physical examination" fee of RMB 2,000 for inspection once, which is considered as the maintenance cost of the robot. If the robot is inspected once a year, the normal service life is 10 years, and the total expenditure is a minimum of RMB 20,000 and a maximum of RMB 40,000.
An hour later, the company’s director Fang Yuzhou received a group of inspection groups into a large conference room.
Based on comprehensive pricing based on factors such as the number of robots purchased by the organization, the risk level of the deployment area, and the coefficient of disability and dementia areas, it is estimated that the premium for each robot caregiver is approximately RMB 20,000 to RMB 30,000 per year."
As soon as these words came out, the people present suddenly expressed their disbelief.
Zhou Minghua, who was present at the meeting, immediately interrupted: "Mr. Fang, isn't this right? Why is the premium two to three times that of a single user? Isn't it 10,000 yuan per year?"
Fang Yuzhou smiled and said: "Be patient, wait until I finish what I said."
Hearing this, Zhou Minghua stopped talking and stretched out his hand to make the gesture you said.
Fang Yuzhou looked around the crowd and said: "The insurance premium is higher than that of a single user because the scenarios are different, but we provide zero worries. The core components of the robot caregiver will be damaged due to non-human damage or damage to third parties due to their own faults, such as the elderly, In the event of damage to visitors or property,
Yuandun Insurance, a subsidiary of Metaverse Intelligent Control, shall bear primary and full liability for compensation.”
The elderly, especially those with disabilities and dementia, have a high probability of problems, which means the risk level is high.
In the past, it was possible to shift the blame, even to the caregivers.
But if you switch to a robot caregiver, this trick will be impossible, and there is no way to blame it, because when the robot caregiver is working, it is equivalent to recording work around the clock, leaving traces. The iron-clad video testimony is from the first-person perspective. Whoever takes the blame belongs to whom, and there is no way to throw away the blame.
This is also the reason why Metaverse Intelligent Control dares to assume the primary and full liability for compensation. Firstly, it has great confidence in its own products, and secondly, it is not afraid of being blackmailed. There are videos throughout the whole scene. Whether it is the responsibility of the robot caregiver, there are videos to prove it.
If it is really the responsibility of the robot caregiver, Metaverse Intelligent Control also accepts it, and it will be compensated as it should be.
Human caregivers often become scapegoats because they are unable to take videos of their work and leave traces at the same time while working. Sometimes it is not clear at all, and it is easy to fall into the trap of self-certification.
At this moment, Zhou Minghua and others thought about it for a while, but they felt that it was not too outrageous and they could accept it.
Relatively speaking, the total risk coefficient faced by the elderly care institution is higher, and there is nothing to say about the high premiums.
They, the operators of the elderly care institutions, are not very resistant. At most, they can just pass on this part of the cost to the customers of the elderly care institutions.
Fang Yuzhou continued: "The other is the exclusive fast track. If the organization reports the case, Metaverse Intelligent Control has a dedicated engineer to respond within 2 hours, giving priority to providing spare machines, and completing core maintenance and replacement within 72 hours."
“Secondly, data empowerment management, under a strict privacy protection framework, our company can provide anonymous group health trend reports summarized by robots, such as regional average activity volume and common risk periods, to assist nursing homes in optimizing resource allocation and risk management.”
With the passage of time, Fang Yuzhou finished introducing the entire solution and let the visiting delegation of senior care institutions consider it themselves.
Finally, Zhou Minghua asked: "Mr. Fang, when will your company be able to deliver the goods?"
Fang Yuzhou smiled and said: "We have a lot of ready goods. We have already expanded our production capacity in advance, and our warehouse There are now no less than 50,000 robots in stock, ready for shipment at any time.
In fact, it is not an expansion of production capacity, but the original production capacity can achieve a monthly output of more than 30,000, and when the production capacity is full, it can produce 5.
thousands.
· Xiaoyuan Robot did not rush into large-scale production when it was launched. However, three months later, it was confirmed that the product had no risk of inventory backlog, so it began to expand production capacity. Otherwise, many workers would have no work to do. Once the production line was started, it could not easily stop production.
Now consumers don’t have to wait to buy Xiaoyuan robots, every offline store has them in stock.
If you go to an offline store to buy, you can pick up the goods and take them home the same day you place the order.
Zhou Minghua had no doubts anymore and said on the spot: "Our company is purchasing 6,500 robot caregivers."
The colleagues present were all surprised, and Fang Yuzhou also looked at him with suspicion.
Although the quantity is only 10,000, the unit price is 788,800, and the purchase amount for 6,500 units is 5.127 billion. There are not many elderly care institutions with such strong strength, but the elderly care institution run by Zhou Minghua is one of them.
Next, other inspection groups of elderly care institutions present also expressed their purchasing intentions and began to place orders one after another.
A total of 16 elderly care institutions came this time, all of which are mid- to high-end elderly care institutions.
The strength of the other 15 companies is slightly weaker, basically the purchasing volume is between 1,000 and 1,500 units,
(Ps: There is another update)