CARITA, Indonesia: Bantuan yang sangat
dibutuhkan mengalir ke bentangan garis pantai Indonesia yang dilanda tsunami
Selasa (25 Des), tetapi pekerja kemanusiaan memperingatkan bahwa air bersih dan
persediaan obat-obatan berkurang ketika ribuan pusat evakuasi sementara yang
penuh sesak.
Kekhawatiran tentang krisis kesehatan
masyarakat terjadi ketika jumlah korban jiwa akibat bencana yang dipicu gunung
berapi Sabtu mencapai 400 dengan ribuan lainnya terlantar dari rumah yang rata.
"Banyak anak-anak sakit demam, sakit
kepala dan mereka tidak punya cukup air," kata Rizal Alimin, seorang
dokter yang bekerja untuk LSM Aksi Cepat Tanggap, di sekolah setempat yang
diubah menjadi tempat penampungan sementara.
"Kami memiliki obat yang lebih sedikit
dari biasanya ... Tidak sehat di sini untuk pengungsi. Tidak ada cukup air
bersih. Mereka membutuhkan makanan dan orang-orang tidur di lantai."
The tsunami kuat melanda di malam hari dan
tanpa peringatan, menyapu pantai-pantai populer di Jawa Sumatera dan barat
selatan dan hotel wisata dibanjiri dan permukiman pesisir.
Korban tewas terakhir mencapai 429, dengan
1.485 orang terluka dan 154 lainnya hilang.
Para ahli telah memperingatkan bahwa lebih
banyak gelombang mematikan dapat menghantam wilayah yang dilanda bencana.
Banyak pengungsi terlalu takut untuk pulang,
takut bencana lain.
"Aku sudah di sini tiga hari," kata
Neng Sumarni, 40, yang tidur dengan ketiga anaknya dan suaminya di lantai
sekolah bersama tiga lusin lainnya.
"Aku takut karena rumahku tepat di dekat
pantai."
Abu Salim, dengan kelompok sukarelawan Tagana,
mengatakan para pekerja bantuan berusaha keras untuk menstabilkan situasi.
"Hari ini kami fokus pada membantu para
pengungsi di tempat penampungan dengan mendirikan dapur umum dan
mendistribusikan logistik dan lebih banyak tenda di tempat-tempat yang
cocok," katanya kepada AFP, Selasa.
"(Orang) masih tidak memiliki akses ke
air yang mengalir ... Ada banyak pengungsi yang melarikan diri ke tempat yang
lebih tinggi dan kami masih tidak dapat menjangkau mereka."
Seorang bayi minum susu di pusat Pengungsian
Internal di Carita, di kabupaten Pandeglang di provinsi Banten pada 24 Desember
2018. (Foto: AFP / Adek Berry)
Bantuan mengalir di sebagian besar melalui
jalan darat sementara dua kapal pemerintah sedang dalam perjalanan ke beberapa
pulau di dekat pantai Sumatra untuk membantu puluhan warga yang terdampar.
Para pejabat mengatakan bukti menunjukkan
bahwa letusan di gunung berapi Anak Krakatoa yang bergemuruh di Selat Sunda -
antara Jawa dan Sumatra - menyebabkan sebagian kawah runtuh dan meluncur ke
laut, memicu tsunami.
Tidak seperti yang disebabkan oleh gempa bumi,
yang biasanya memicu sistem peringatan, tsunami yang dipicu gunung berapi
memberi pemerintah sangat sedikit waktu untuk memperingatkan penduduk tentang
ancaman yang akan datang.
Badan penanggulangan bencana Indonesia awalnya
mengatakan tidak ada ancaman tsunami sama sekali, bahkan ketika gelombang
pembunuh itu jatuh ke darat.
Ia kemudian dipaksa untuk mengeluarkan koreksi
dan permintaan maaf karena menunjuk pada kurangnya sistem peringatan dini untuk
tingginya angka kematian.
Jurubicara badan bencana Sutopo Purwo Nugroho
mengatakan pada hari Senin: "Kurangnya sistem peringatan dini tsunami
menyebabkan banyak korban karena orang tidak punya waktu untuk evakuasi."
Sementara itu, tim penyelamat menggunakan
tangan kosong, penggali dan alat berat lainnya untuk mengangkut puing-puing
dari daerah yang dilanda bencana dan memburu mayat, karena harapan menemukan
lebih banyak korban yang selamat berkurang.
Tsunami adalah bencana alam besar ketiga di
Indonesia dalam enam bulan, setelah serangkaian gempa bumi dahsyat di pulau
Lombok pada bulan Juli dan Agustus dan gempa-tsunami pada bulan September yang
menewaskan sekitar 2.200 orang di Palu di pulau Sulawesi, dengan ribuan lainnya
hilang dan diduga mati.
Itu juga terjadi kurang dari seminggu sebelum
peringatan 14 tahun tsunami Boxing Day 2004, salah satu bencana paling
mematikan dalam sejarah yang menewaskan sekitar 220.000 orang di negara-negara
sekitar Samudra Hindia, termasuk sekitar 168.000 orang Indonesia.
Negara kepulauan yang luas adalah salah satu
negara yang paling terpukul bencana di Bumi karena posisinya mengangkangi apa
yang disebut Cincin Api Pasifik, tempat lempeng tektonik bertabrakan.
Sumber: AFP / hs
Three Marketing Automation Benefits for
Cross-Selling Insurance Policies
Marketing automation
has become a game changer for the insurance industry, as it helps insurers
shine the brightest in a crowded landscape. It helps guide prospects through
the buyer’s journey, providing personalised and purposeful content delivered at
optimal times along the way. Engaged communication is a large portion of
marketing automation and insurers can additionally benefit by using the
platform to cross-sell insurance policies to existing customers.
According to the book Marketing Metrics, the probability of
selling to a new prospect is five-20%, while the probability of selling to an
existing customer is 60-70%. This translates to the insurance industry through
cross-selling, upselling for bundle discounts and higher liability coverage.
Cross-selling policies, in particular, are key to the insurance industry’s
growth, especially for profitability and increased customer retention. Multiple
policies qualify customers for additional discounts and lead to a stronger
sense of trust in the insurance company. When policies are promoted
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caring for their future insurance needs.
Cross-sell the right policies to the right customers
It’s the responsibility of the insurer to address future
insurance needs to the appropriate customers, including for policy
cross-promotion. For example, if insurers are selling personal lines of
insurance, a growing family will have different policy needs than a retired
couple. Customers value policies that are relevant to them at their current
stage of life, rather than ones that they have no need for.
Similarly, knowledge is power. It is essential to know whether
existing customers already have policies that you’re cross-selling - otherwise,
you’re at risk of losing credibility and the trust of your customer.
Marketing automation and its database of your existing customers
helps segment and determine what policies are most relevant to which customers.
Delivering the right cross-sell, to the right policyholder, at the right time
shines a positive light on you as the customer’s insurer, because you’re
recognising the subtle - but big - difference in promoting, say, a homeowner’s
policy vs. renter insurance.
Lead management helps shorten the conversion cycle
Tighter alignment between marketing and sales ensures
greater success in galvanising more policies in a shorter amount of time. This
is an indication of lead management, which integrates a Customer Relationship
Management (CRM) platform with the marketing automation tool.
Marketing automation alone helps sell 10% more policies per
household, and lead management is number one at 13% more policies per
household. Insurers nurture their customers along the cross-buying journey with
marketing automation by addressing which additional policies are best suited
for their circumstances and why. For top and steady results, insurers then
employ lead management for warm leads that progress into sales. When you’re
able to recognise the warm leads (engaged customers that express interest)
through behavioural analytics, you can help navigate them promptly through the
buyer’s journey.
Use content marketing to trigger automated campaigns
Take advantage of your content marketing by setting up
triggers for automated cross-promotion campaigns. For example, if customers
clicked on a link about life insurance in last week’s enewsletter, a drip
campaign about the importance of life insurance and how to choose the right
policy starts appearing in their inbox. Alternatively, host a webinar about
whether an umbrella policy is right for someone and segment your existing
customers to receive a separate campaign once they register, which is tailored
around bundles and can apply pre-collected data for further personalisation.
When your customers are gathering information on your website beyond the
policies they already have, they are probably curious about what else is out
there. Marketers will then be able to deliver relevant emails based on the
information from their browsing history.
These automated campaigns can even be as simple as one that
begins 90 days before customers’ policy renewal dates: the optimal time for
them to review their current policy and see if any changes need to be made.
However, this can also be seen as your opportunity to learn more about their
evolving circumstances. This helps your database stay updated and helps you, as
their insurer, understand which policies are most relevant for their needs.
Marketing automation, combined with CRM integration to equal
lead management, gives insurance groups of all types and sizes the behavioural
analytics and stored data they need to effectively cross-sell policies. The
introductory promotion of an additional policy can help or hinder the existing
customer relationship - it can be viewed as a self-serving sale sent to
everyone on an email list, or it can reflect that you are meeting your
customers where they’re at in their lives, looking out for their best interests,
and anticipating their future insurance needs.
