Digital Bank
Travel Insurance

Seamless cross-device integration for a consistent and user-friendly online banking experience.

Travel Insurance

# Personal Contributions

1- Increase Online Purchase Conversion Rate 40%

2- Enhance User Risk Education and Transparency

3- Speed Up Purchase & Reduce User Time

4- Promote Cross-Platform Service Integration

Introduction

This project aims to optimize the online purchase process for travel insurance by simplifying steps and information display, reducing the time users need to complete a purchase. The focus is on minimizing input fields, improving system response speed, and providing intuitive guidance to enhance the overall user experience and conversion rate

temporary policyholders/Mobile user
Pre-order buyers/Desktop user

Persona Definitions

After reviewing the online travel insurance purchase flows of various providers, I created an initial prototype and conducted user interviews. Most users tended to drop off at the “Insured Information” step, mainly due to difficulties in gathering required details and the excessive number of form fields. This pain point was also reflected in behavioral data — the “Insured Information” page had the longest average completion time, followed by the product selection step.

Persona

This project optimizes the online travel insurance flow through three key personas: price-sensitive young users, risk-aware planners, and family-oriented buyers. These personas highlight distinct needs and behaviors, guiding design decisions to improve user experience and boost conversion.

Amber

Marketing

Price-Driven Buyers

Basic

Age

26 years old

Job

Marketing

Insurance Usage Frequency

Always

Location

Taipei,TAIWAN

Work background

Love independent travel, use comparison sites for deals, check social media for insurance, prefer fast and simple purchase process.

Price-sensitive
Fast-paced behavior
Mobile-first
Low engagement

Goals and needs

# Complete purchase within 3 minutes

# Find cheapest plan with basic coverage

# Clear pricing and simple comparisons

# Easy mobile use and payment

Pain points

# Don’t understand policy terms or jargon

# Overwhelmed by too many form fields

# Hesitate without discounts or preset options

# Frustrated by redoing after errors

David

Engineer

Risk-Aware Planners

Basic

Age

37 years old

Job

Engineer

Insurance Usage Frequency

Always

Location

Taipei,TAIWAN

Work background

Frequently travels for work and extreme sports. Experienced delays and claims, understands coverage well. Prefers to compare and assess risks despite limited time.

Real-time alerts
High need for clarity
Customizable needs
Insurance-aware

Goals and needs

# Coverage matches actual travel risks (e.g., driving, extreme sports)

# Clear plan comparisons and policy summaries

# Customizable add-on modules

# Set alerts for key fluctuations and deadlines

# Real-time cost and coverage updates during process

Pain points

# Policy details are too complex and hard to compare

# Add-on options lack flexibility or clear explanation

# UI makes comparing plans inconvenient

# No clear overview after customizing coverage

Amy

Own-brand E-commerce

Group/Family Applicants

Basic

Age

52 years old

Job

Own-brand E-commerce

Insurance Usage Frequency

Prefer in-person despite using online service .

Location

Taipei,TAIWAN

Work background

E-commerce owner and mother of two, managing family travel plans. Insuring multiple members at once saves time and reduces errors.

Multi-person coverage
Ease of use priority
Two-handed operation

Goals and needs

# Complete all family members’ info in one go

# Save frequent member details (e.g., spouse, children)

# Show family discounts or group plans

# Clear progress bar and summary for multiple applicants

Pain points

# Repetitive fields for each person cause confusion

# Cannot save member info, must re-enter every time

# No multi-person friendly form flow

1

Solution

2

Solution

3

Conclude

4

More

Visual Plan Comparison & Instant Quote

Show coverage differences visually with real-time premium estimates, helping users quickly compare, understand, and choose the best plan.

Smart Add-on Recommendations

Personalize add-ons based on past purchase habits to simplify choices and boost conversions.

Collapsible Beneficiary Section

Allow users to add multiple beneficiaries and view payout ratios in a collapsed view, reducing visual clutter while keeping info easy to review.