互联网保险新风向：95后成购险主力 消费者面临产品选择困难

Group 1 - The core viewpoint of the report indicates that the online insurance purchase rate in 2024 is 78%, nearly matching the offline rate of 79%, with expectations that online purchases will surpass offline in the next two years [1] - Among consumers born after 1995, the online insurance purchase rate reaches 84%, surpassing those born after 1985 for the first time, highlighting a shift in consumer behavior [1] - Approximately 60% of consumers born after 1995 have purchased accident and critical illness insurance, and nearly 50% have life insurance, reflecting their focus on health protection [1] Group 2 - About 57% of consumers are using insurance for wealth management, making it the second-largest wealth management method after bank wealth management [2] - The main concern for consumers when purchasing insurance has shifted from "inadequate claims service" to "difficulty in product selection," with over 60% expressing difficulty in choosing suitable products [2] - The emergence of intelligent insurance recommendation tools has alleviated this issue, with 40% of consumers utilizing these tools for better decision-making [2] Group 3 - The rapid development of internet insurance faces challenges such as unclear platform qualifications, improper data usage, and poor customer service experiences, which affect industry credibility and consumer satisfaction [3] - Issues like the misuse of insurance technology, lack of transparency in algorithms, and misleading marketing practices pose new regulatory challenges [3] - Regulatory bodies are urged to adopt a prudent and risk-oriented approach to ensure that innovation in internet insurance develops in a healthy and sustainable manner [3]