Wij willen met u aan tafel zitten en in een openhartig gesprek uitvinden welke uitdagingen en vragen er bij u spelen om zo, gezamelijk, tot een beste oplossing te komen. Oftewel, hoe kan de techniek u ondersteunen in plaats van dat u de techniek moet ondersteunen.

Tesla said Wednesday it has launched an insurance product, promising owners of its electric vehicles to deliver rates 20% and even as high as 30% lower than other insurance providers.

For now, the product known as Tesla Insurance, will only be available to owners in California. The business will expand to additional U.S. state in the future, Tesla said without naming where or providing a timeline.

The announcement follows Tesla CEO Elon Musk’s promise back in April that the company would launch an insurance product “in about a month.” At the time, he said it would be “much more compelling than anything else out there.”

The company argues that Tesla Insurance will be able provide insurance at a lower cost by leveraging the “advanced technology, safety, and serviceability of our cars.” In short, Tesla is saying that it deep insight and familiarity with its own vehicles gives it a better understanding of the technology and repair costs. This helps eliminate fees taken by traditional insurance carriers.

Tesla says the cost of each policy will be based on an individual’s driving record and “other factors that can typically impact a person’s insurance rates.” The company says it won’t, however, use or record vehicle data, such as GPS or vehicle camera footage, when pricing insurance.

That policy seems in direct conflict with Musk’s comments during a first-quarter earnings call with analysts in April when he said Tesla has an “information arbitrage opportunity, explaining that it’s able to capture driving data, giving the company direct knowledge of the risk profile of the driver and car.

If customers want to buy Tesla insurance they might have to agree to “not drive the car in a crazy way,” Musk said at the time. He later added that they can drive crazy, they’ll just have a higher insurance rate.

Tesla insurance won’t cover commercial services such as using the vehicle for ride-hailing or car-sharing services.

Owners looking to insure multiple Tesla vehicles may also be eligible for further discounts, the company said,

Existing Tesla customers in California, and eventually owners in other states, are able to purchase a policy through a dedicated webpage. Customers ordering new vehicles can request a quote prior to delivery once a VIN has been assigned to their Tesla Account, according to the company.


TechCrunch

French startup Alan announced new products, international expansion plans and a brand refresh at a press conference this morning. The company also announced plans to overhaul some of its tech stack to improve the overall user experience.

Alan is a software-as-a-service startup that offers health insurance in France. The company wants to create a well-designed insurance product with transparent pricing and policies to make healthcare more accessible. The startup has obtained an official health insurance license and raised around $ 86 million over the years.

Until today, Alan offered insurance products to companies and freelancers. The startup is greatly expanding its potential user base by addressing new markets.

“Our users are smart. We already had users for all products that we’re launching today, but they were working around the rules,” co-founder and CEO Jean-Charles Samuelian said.

First, Alan is launching specific insurance products for the hospitality industry (hotels and restaurants). Companies and employees can sign up directly from the mobile app as people working in the hospitality industry don’t sit in front of a computer all day long.

These insurance products are now compliant with legal requirements for the hospitality industry. There are two different tiers, Alan Cerises with basic coverage for €30 per month and Alan Pomme with better coverage for €55 per month. As always, companies pay at least 50 percent of health insurance, employees pay the rest.

Alan is also launching an insurance product for individuals, not just freelancers. And it opens up three new segments — individuals who don’t work for a French company or have specific needs, retired people and public servants.

Starting today, teachers, retired people looking for a digital insurance product and other individuals can sign up to Alan. Pricing depends on your age. It ranges from €46 per month if you’re 18, €62 per month if you’re 30, €83 per month if you’re 50, €133 per month if you’re 70, etc.

Alan Lockup Horizontal Green RGB Large

When it comes to branding, Alan has worked with James Vincent on a new logo, a new color palette, a new mascot design, etc. The company is also launching a TV ad.

“Our mission is to be more than a health insurance company, we want to be your health ally,” Samuelian said.

Alan also shared some details about future product updates and business updates. The company is going to expand to other countries starting next year.

After looking at other European markets, Alan is going to focus on Spain and Belgium first. The startup doesn’t need to re-apply to a local license as it can passport its insurance license all around Europe.

Alan has also been working on a big overhaul of its tech stack. The company has been working with a third-party company to handle payments and reimbursements in order to launch more quickly.

But Alan started working on its own payment system. 30 percent of the engineering team is going to work on that project from May 2019 to December 2019. And the goal is to make payments 10 times faster after the switch. Sending a dentist or optician quote to see if Alan is going to cover you is going to be much faster as well.

There are now 126 people working for Alan. 2,850 French companies use Alan to cover 37,000 people. It represents $ 31 million in annual recurring revenue (€28 million). And the company still has a ton of cash on its bank account — around $ 61 million (€55 million).

Over the next 12 months, the company wants to cover 100,000 people and have a team of 250 employees. In other words, things are looking good.


TechCrunch

Quip, maker of electric toothbrushes, is making use of its most recent acquisition to launch a dental insurance alternative to customers in New York City this summer. Called Quip Care, the service operates on the back of Afora, a dental insurance alternative startup Quip acquired last May.

With Quip Care, the goal is to modernize the dental care experience, Quip CEO Simon Enever told TechCrunch.

“People are used to being able to pick up their phone to book, pay for and track every aspect of their daily life,” Enever said. “We believe that seamlessness is something we can bring to dentistry.”

Additionally, the plan is to make prices more transparent so that people know exactly what they’ll pay before the treatment. There are two services as part of this launch: Quipcare and Quipcare+.

Basic Quipcare uses a pay-as-you-go model that enables you to find in-Quip network dentists, see pre-negotiated rates for non-preventative care upfront, pay for the care, accrue reward points and view dental records. Quip says Quipcare patients can expect prices of 30-40% less than the average dental care in their area. Enever said Quipcare can be an option for people without insurance or those with insurance who have already hit their annual maximum.

Quipcare+, on the other hand, is a preventative care plan that costs $ 25 per month. Quipcare+ includes two preventative check-ups annually as well as x-rays. This plan is more so geared toward people without dental insurance, though, Quipcare+ isn’t necessarily cheaper.

In San Francisco, I pay about $ 7 per month for dental insurance via my employer. But even if I didn’t go through my insurer, Covered California says I could get a comparable plan with covered preventive check-ups for $ 16.06 per month. What you’re essentially paying extra for are transparent pricing and the booking platform. Quipcare+ is similar to One Medical in that what you’re mostly paying for is convenience. One Medical is by no means cheaper than having regular insurance but the convenience they offer via app-based, same-day appointments and a plethora of locations can’t be beaten.

Quipcare is rolling out this summer in New York and plans to roll out more broadly next year. Thanks to the Afora acquisition, Quip already has hundreds of providers on board for Quipcare. And before launching Quipcare, Quip already had 40,000 providers on its Dental Connect platform.

“The key here is working with providers who are committed to making the finding, booking, paying experience as good as possible,” Enever said.

Quip began as a subscription-based electric toothbrush service that replaces toothpaste and brush heads, partly because you’re apparently supposed to change your toothbrush every three months. But Enever has said for years that Quip’s mission has always been to provide an end-to-end solution the makes preventative care simpler. Quipcare is just that.

To date, Quip has raised more than $ 60 million in funding from Sherpa Capital, TriplePoint Capital, NFP Ventures and others.


TechCrunch

Tesla CEO Elon Musk says that the company is in the process of completing a “small acquisition” that will help it release its own insurance product, something it said in April that it was only around “a month” away from bringing to market. One month is at least two months when translated from Musk time to rest-of-us time, so that tracks.

Musk made the remark at Tesla’s Annual Shareholders Meeting, adding that the company is “pretty close to being able to release [its insurance product],” and that in addition to this acquisition in progress, Tesla also has “a bit of software to write” to make it ready for market.

Insurance for Tesla vehicles can be expensive when sourced from traditional insurance providers (it ranked 15th highest in the U.S. in a recent third-party survey) but Tesla says it has a key advantage when compared to third-parties that will help it price insurance for its customers correctly – ample and detailed information about their driving habits.

No word yet on who the acquisition target is, but it makes sense that Apple might seek to pick up a small insurer to supplement its own driving and user data, rather than trying to build an insurance business in-house from scratch.


TechCrunch

Created by R the Company. Powered by SiteMuze.