线上购险率有望超过线下！互联网保险如何接住“泼天的富贵”

Core Insights - The "2024 China Internet Insurance Consumer Insight Report" reveals significant changes in the internet insurance sector over the past year and forecasts future growth potential [1][3][10] Consumer Behavior - In 2024, the online insurance purchase rate among the "post-95" generation reached 84%, making it the highest among all age groups [3][4] - The online purchase rate increased from 73% in 2023 to 78% in 2024, while the offline purchase rate decreased from 85% to 79% [4][10] - Nearly 60% of consumers are focusing on upgrading existing insurance products rather than purchasing new ones, indicating a shift towards "refined configuration" [4][5] Investment Trends - Approximately 29% of consumers increased their investment in savings-type insurance in 2024, contrasting with only 2% who increased real estate investments [5][10] - Insurance is becoming the second most favored wealth management method after bank wealth management [5] Industry Growth - The insurance industry is projected to exceed 10 trillion yuan in the coming years, driven by increasing consumer awareness and investment [3][11] - In 2024, the original insurance premium income reached 5.7 trillion yuan, with a year-on-year growth of 5.7% [10] Digital Transformation - 57% of consumers prioritize cost-effectiveness when purchasing insurance, reflecting a more rational approach to product selection [7] - The use of intelligent and personalized insurance recommendation tools has increased, with 40% of consumers utilizing such tools for better decision-making [8] Regulatory Environment - Recent government policies aim to enhance the digital and intelligent levels of inclusive insurance services, focusing on improving coverage for low-income groups and specific risk populations [8][9] Future Outlook - The internet insurance market is expected to continue its rapid growth, with a projected premium income of 3.663 billion yuan in the first seven months of 2024, marking a 15% increase from the previous year [10][11] - The industry is shifting from a sales-oriented approach to a user-value-oriented model, driven by the demands of younger consumers [11]