Opportunities:

1. Cost-Control: Unlike traditional annual or single-trip insurance plans, Pay-as-you-Travel allows you to insure yourself for the time you’re actually abroad, ensuring you don’t pay for coverage you don’t use.
2. Flexibility and Customization: Choose the coverage that suits your specific trip – Family or Single – and enjoy comprehensive protection, including medical emergencies, accidents, lost baggage, and roadside assistance. If you don’t need coverage for a particular trip, you can easily deactivate it, ensuring you’re only paying for what you need.
3. Tailored to Your Travel Dates: Coverage is activated automatically based on your travel dates. This allows for a seamless, flexible insurance solution without the hassle of complicated registration or excessive payments.
4. Simple, Convenient, and Online: It’s easy to buy travel insurance online or via an app. You get to pick the coverage types that match your needs and get real-time notifications about your policy’s activation.

Solution:

1. Easy Registration: A simple online process to register and choose between Single or Family options for unlimited coverage throughout the contract period. Registration is for free, quick and efficient.
2. Automatic Activation: Once registered, coverage is activated automatically when the customer’s device connects to the roaming network abroad. Customers receive an SMS notification confirming their coverage activation.
3. Coverage Flexibility: If the customer has selected Family coverage during registration, they can easily downgrade to Individual coverage for each specific trip, based on the nature of the journey.
4. Opt-out Option: Customers have the option to opt out at the start of any trip, ensuring they’re only paying for the days they need coverage.
5. Comprehensive Coverage: Coverage includes medical assistance, accident protection, luggage insurance, and roadside assistance within roaming areas, ensuring peace of mind throughout the trip.
6. Automatic Deactivation: Coverage automatically deactivates when the customer returns to their home A1 network, making it a hassle-free experience.
7. Easy Payment: Customers are only charged for the days they were covered, with payment conveniently included in their next monthly A1 bill – no upfront payment required before travel.

Impact:

• 1 Million Insured Travel Days: Since its launch in March 2023, Travel insurance for A1 Serbia customers has covered 1 million travel days across 134 countries, showcasing significant adoption and high customer satisfaction.
• 4 Times More Market Share and Growing: In a short period, we have captured almost four times more market share compared to last year, with steady growth month after month.
• 22 Days Average insured Travel Days: The annual average number of days covered on trips per customer is 22. This reflects not only the frequency of international travel among customers but also highlights the significant reliance on Travel insurance for A1 Serbia customers.
• Customer Base Has Tripled: The number of active customers has tripled compared to last year, with the customer base continuing to grow significantly each month. This growth is driven by a well-organized and structured proposition strategy, supported by A1 Serbia‘s management.

Conclusion: The Pay-as-you-Travel insurance offering from LAMIE and local insurer partner DDOR Novi Sad, together with A1 Serbia provides a modern, innovative, convenient, and cost-control solution that adapts to the evolving travel habits of Serbian citizens. With features like flexible coverage, automatic activation, and easy payment, it caters to the needs of both frequent travelers and those embarking on occasional trips, ensuring seamless travel protection.