从“事后补偿”到“全程守护”：境内旅游保险加速服务范式升级

Core Insights - The Chinese tourism industry is expected to recover, with domestic tourist numbers projected to exceed 115% of 2019 levels by the summer of 2025, and overall summer consumption estimated to reach 1.8 trillion yuan [1] Group 1: Industry Challenges - Traditional "post-compensation" travel insurance models are facing challenges due to increasing demand for "immediate rescue" and "full peace of mind" services from travelers [1][2] - Recent incidents, such as theft during travel, highlight the inadequacies of existing insurance products, which primarily focus on economic compensation rather than proactive risk prevention and emergency assistance [2] Group 2: Service Paradigm Shift - Leading insurance companies are integrating resources to provide pre-travel risk alerts and safety information through apps and platforms, aiming to help travelers avoid potential risks [3] - The industry is shifting towards a new standard that emphasizes rapid professional rescue services, with products like Ping An's "Travel Safety Guardian Plan" offering 24/7 response and quick claims processing [3][4] Group 3: Value-Added Services - Insurance services are evolving beyond mere compensation to include practical services such as online consultations, emergency medication delivery, and medical guidance, enhancing the overall customer experience [4][5] - Ping An's comprehensive safety net includes pre-travel alerts, immediate rescue capabilities, and efficient claims processing, addressing various travel-related risks [4][5] Group 4: Adaptation to Diverse Travel Scenarios - The tourism industry is diversifying, leading to the need for flexible insurance solutions that can adapt to various travel scenarios, including high-risk activities and the aging population [5] - Ping An's insurance products are designed to cover a wide range of activities and risks, ensuring comprehensive protection for travelers [5] Group 5: Transforming Perceptions of Insurance - The upgrade in service paradigms aims to transform travel insurance from a low-perception, high-threshold product into a valued partner in safety throughout the travel experience [6] - The future of travel insurance is envisioned as a proactive partner that provides risk alerts, immediate assistance, and comprehensive coverage, enhancing the overall travel experience [6]