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Here’s an extract from the audio:  ,
Andrea Heng:  ,
So we have the usual offenders correctly. There’s health insurance, health, travel, all the important things, so to speak, correctly? But nowadays we’re hearing about things like animal plan, digital insurance, and yet climate change related programs. So first of all, help me understand. Why have there lately been so many new forms of plan?  ,
Helen Shen:  ,
That’s a really great problem to get started with. I think it’s two points. One, we’re seeing super flexibility. Buyers want that. You do n’t only want that for insurance, but you want that for your clothes. For every tiny point you hold, you want that. And how can plan and financial services hardly get up? So we’re seeing a lot of trends where people say,” I do n’t want something that is the same across for everyone.” I’m special. Make sure I have coverage with me as well. That’s one. The next point is that technology is expanding as well. Technology enables us to create some of these products much more quickly than we were ready to do so 20 years earlier. Additionally, tech enables us to obtain a lot more customer information. And because coverage is at its core based on data, we are able to apply this information. It’s about possibility, it’s about fatal function, and we’re using this data quite nicely to provide our customer that kind of customisation to what they need.