【财经分析】数智化赋能互联网保险升级 普惠保险需求正在线上释放

Core Viewpoint - The insurance industry in China is increasingly playing a vital role in the modernization of the national governance system, driven by the integration of digital and intelligent technologies in internet insurance, which is fostering significant advancements in product design, service models, and risk management [1][4]. Group 1: Internet Insurance Growth - The online insurance purchase rate in 2024 has risen to 78% from 73% in 2023, while offline purchase rates have decreased from 85% to 79% [2]. - The rapid growth of online insurance is attributed to the development of digital consumption habits and the transformative impact of AI technology on consumer experiences throughout the insurance purchasing process [2][3]. Group 2: Consumer Insights - In the pre-purchase phase, nearly 10% of consumers are using AI models to gather insurance information; during the purchase phase, 40% are utilizing personalized insurance recommendation tools; and 36% have experienced the convenience of intelligent claims tools, leading to an overall claims satisfaction rate exceeding 95% for the first time in 2024 [3]. - The demand for inclusive insurance is being increasingly met online, with rising online purchase rates across various demographics, indicating a broadening of the consumer base for internet insurance [4][5]. Group 3: Regulatory Support and Market Dynamics - Recent policy documents have reinforced the regulatory framework for the insurance industry, promoting the healthy development of internet insurance and its role in enhancing social security and supporting the real economy [4][6]. - The acceptance of internet insurance intermediaries among younger consumers has surged, reflecting a shift in consumer behavior and a potential reshaping of the competitive landscape within the industry [6]. Group 4: Future Outlook - The insurance industry is expected to experience new opportunities for growth as it embraces technological advancements, particularly in health insurance, aligning with national strategies such as "Digital China" and "Healthy China" [7].