Once the five days of free coverage offered at the time of activation have expired, consumption is charged through a rechargeable wallet placed on the credit card of the service owner and a notification is received when the credit is about to run out.
L’user experience dentro l’app
The wallet was developed by the insurtech Neosurance scaleup and, as stated by the CEO, Pietro Menghi, it is an absolute first in this sector at an international level: “There are similar products for cars or micro-mobility but this is a pioneering project, which arises from a network of alliances also including subjects traditionally far from the world of insurance, but very close to the new lifestyles of consumers ».
An application of the concept of open insurance, this is the logic of the service, which is realized with the integration of the policy into customer journey Enel’s Homix app. In short, insurance becomes a piece of user experience. “Our plus – explains Menghi – is to bring the insurance experience to the customer in the moment of need, when he leaves the house, and to bring the management of the service completely inside the app, from checking the minutes used to recharging the wallet. “.
Under the banner of intuitiveness, safety and ease of use, which are the cornerstones of a line of new solutions that Neosurance is working on, alongside partners from other sectors (retail, utility, telco), to enrich its own offer in the home, health and mobility sectors.
Scalability beyond borders
It is difficult to quantify today how many Homix Smart Protection subscribers will be. In terms of potential in the short term, according to Menghi, we are talking about tens of thousands of users as a target that can be reached within the next twelve months, also in relation to the penetration of the Homix solution in homes: “The idea is to distribute the service also in foreign markets where Enel sells its platform, starting with Brazil, Romania and Spain, and beyond the border of Enel’s direct customers, in the B2B area and in collaboration with other partners ».