KOTA
KINABALU, 24 Des - Sabah akan meninjau larangan merokok nasional yang
diberlakukan pada tahun depan setelah Sarawak mengklaim bahwa negara Malaysia
timur memiliki otonomi atas masalah ini.
Wakil Kepala Menteri dan Menteri Pemerintahan dan
Perumahan Daerah negara bagian Datuk Jaujan Sambakong mengatakan bahwa ia akan
membawa masalah ini ke Kabinet negara sebelum melanjutkan lebih jauh.
“Ini harus menjadi pandangan kolektif karena ini bukan
hanya masalah nasional tetapi juga lokal. Saya akan mendapatkan saran dari
Kabinet serta jaksa agung negara bagian.
"Saya perlu mempertimbangkan ini meskipun saya
adalah pemerintah daerah dan menteri perumahan," katanya ketika ditanya
oleh wartawan di sini.
Jaujan diminta untuk mengomentari pendirian Sabah setelah
pemerintah daerah Sarawak dan menteri perumahan Datuk Dr Sim Kui Hian
mengatakan bahwa Sarawak memiliki otonomi atas masalah tersebut berdasarkan
Peraturan Pemerintah Daerah.
Sim mengatakan larangan itu tidak berlaku untuk negara
kecuali jika mengadopsi kebijakan baru yang mulai berlaku bulan depan.
"Sampai kita mengadopsi (larangan merokok), itu
tidak berlaku (di Sarawak)," katanya seperti dikutip di Borneo
Post .
Namun, Menteri Kesehatan dan Kesejahteraan Sabah, Datuk
Stephen Wong mengatakan bahwa karena kesehatan berada di bawah hak prerogatif
pemerintah federal, arahan tersebut dapat ditegakkan.
“Semua undang-undang di bawah Kementerian Kesehatan
berlaku di seluruh negeri. Undang-undang federal tentang area dilarang
merokok berlaku untuk Sabah. Tidak perlu diadopsi oleh negara oleh hukum,
”katanya.
Kementerian Kesehatan federal akan memberlakukan mulai 1
Januari tahun depan larangan merokok di semua restoran, termasuk perusahaan
udara terbuka.
Mereka yang ditemukan merokok di daerah terlarang akan
menghadapi denda hingga RM10.000 atau dua tahun penjara, sementara restoran
yang memungkinkan pelanggan untuk menyalakan denda wajah hingga RM2.500.
Namun, Kementerian Kesehatan mengatakan bahwa enam bulan
pertama tahun 2019 akan berfungsi sebagai "masa tenggang", ketika
pelanggar akan dididik daripada dihukum segera.
Sumber : Yahoonews
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
effectively, insurers are going above and beyond customers’ expectations by
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.
