“95后”成为线上购险率最高的客群

Group 1 - The core consumer group for online insurance purchases is the young demographic aged 20-30, particularly represented by the "post-95" generation [1] - In 2024, the online insurance purchase rate increased to 78%, up from 73% in 2023, while the offline purchase rate decreased to 79% from 85% [1] - Consumers are increasingly focusing on upgrading existing insurance products, with 60% opting for enhanced coverage rather than new purchases, indicating a shift towards refined insurance configurations [2] Group 2 - Insurance is becoming a key component of wealth management, with 29% of consumers planning to increase investments in savings-type insurance in 2024 compared to 2023 [2] - The trend of upgrading insurance products is driven by a deeper understanding of risks, leading to a transition from basic coverage to comprehensive protection solutions [2] - The importance of cost-effectiveness in insurance purchasing decisions is highlighted, with 57% of consumers prioritizing value for money [3] Group 3 - The online purchase rate for insurance among consumers in third-tier cities and below rose from 70% to 75%, indicating a growing trend of insurance accessibility through the internet [3] - The concept of "inclusive insurance" is gaining traction, focusing on providing risk protection for vulnerable groups, with commercial insurers leveraging digital technology to innovate and expand services [4] - Future development of inclusive insurance will depend on understanding consumer risk preferences and establishing partnerships to enhance digital capabilities [4]