《报告》：延迟退休政策叠加银行降息，激发年轻消费者对商业养老险的热情

Core Insights - The "2024 China Internet Insurance Consumer Insight Report" indicates that the top five insurance products held by consumers remain unchanged from the previous year, including critical illness insurance, accident insurance, car insurance, life insurance, and commercial health insurance, with the trend expected to continue for the next two years [1] - Nearly 40% of consumers are expected to purchase new insurance products, driven by national policies and increased awareness of risk protection [1] Product Trends - Critical illness insurance has the highest upgrade rate in 2024, with nearly 30% of holders opting for upgrades, particularly among the 20-40 age group and high-income individuals seeking higher coverage and broader protection [2] - Accident insurance serves as an entry-level product for young people and a safety net for the elderly, with significantly higher new purchase rates among the 20-30 and 60+ age groups compared to others [2] - Car commercial insurance ranks among the top three for upgrade and replacement rates, with young consumers and those in first- and second-tier cities leading these trends, primarily due to affordability and convenience of online comparison [2] Regional Insights - Demand for life insurance is robust in third-tier cities and below, with new purchase, upgrade, and replacement rates exceeding those in first- and second-tier cities, particularly among consumers aged 41-50 [2] - The commercial health insurance sector is innovating in terms of relaxed health declarations, benefiting those with pre-existing conditions and consumers aged 60 and above, who have the highest rates of new purchases, upgrades, and replacements across all age groups [2] - Delayed retirement policies and bank interest rate cuts are stimulating interest in commercial pension insurance among younger consumers, with the 20-30 age group leading in new purchase and upgrade rates [2]